Changes effective May 1, 2012

Changes effective May 1, 2012

at

(888) 234-4994 or visit us online at www.stmartinbank.com.

Notice of Important Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

Personal Deposit Services

Business Services

Overdraft Options

Schedule of Fees

General Information

Important Changes

Other Services

Deposit Reclassification & Investments

Banking Centers & Hours of Operation

Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

If your account is currently...

It will change to this account

Commercial Checking

Business Checking

Money Market

Business Money Market

Statement Savings

Business Statement Savings

If your account is currently...

It will change to this account

Budget Checking with Direct Deposit

eChecking

Budget Checking No Direct Deposit

Regular Checking

Prime Checking

NOW Checking

Super Now Checking

NOW Checking

Student Checking

Kasasa Tunes Checking

Let’s Review Some Important Changes!

We have updated some of our products and services. Please review this brochure for the

changes made to the products and services offered by St. Martin Bank and Trust Co. Some of

the service fees may have changed and some of the balances to avoid service fees may have

changed. The charts shown within this brochure for personal and business services reflect

information for each type of account.

The Overdraft Options explains our overdraft policy in detail. The options include our standard

overdraft privilege practices as well as other overdraft coverage options. The Schedule of

Fees and Other Services list additional fees for services offered.

Please review these changes which will become effective May 1, 2012.

We have consolidated some of the existing deposit account types. We have done our best to

match these current account services and benefits with newer products. Please review the

chart shown below to determine if your current account product type has changed. If you see

another account which may better suit your needs, please call us at 888-234-4994 or stop by

any of our banking centers to discuss further.

Personal Deposit Accounts*

Notice to existing personal and business Passbook Savings customers: Your account will

incur a semi-annual service fee of $10 if the minimum daily balance in the account is less than

$250.00.

Business Deposit Accounts*

*Specific account details, including fees and other charges can be found within this brochure.

Important Changes

Convenience Services

St. Martin Bank provides a variety of services for your convenience.

Mastercard Debit Card

 Use your debit card wherever Mastercard is accepted and the purchases come out of your checking account.

 Use your debit card to withdraw cash from any ATM machine where you see the Cirrus or Shazam emblem.*

Online Banking and Bill Pay

 FREE access to your account balance and transaction history 24/7.

 Stay in control of your bills by scheduling online bill payments.

 Sign up for eStatements and mobile Text Alerts.

 Transfer funds anytime, from anywhere.

Mobile Banking

 FREE access to your account balance and transaction history 24/7.

 Sign up for mobile Text Alerts.

 Transfer funds anytime, from anywhere.

InfoLink Voice Banking

 FREE access to your account balance and transaction history 24/7 via touch tone phone.

 Transfer funds, check balances, review checks and deposits which have cleared and posted.

 Dial 1-877-343-2265 to access Info-Link.

*A surcharge may be assessed by the owner of a non-St. Martin Bank ATM, plus a $2 fee will be assessed on any withdrawal or balance inquiry made at an ATM not owned by St. Martin Bank.

USA PATRIOT Act

Important Information About Procedures for Opening a New Account:

On October 26, 2001, the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act was signed into law, commonly known as the USA PATRIOT Act. To help the government fight the funding of terrorism and money laundering activities, the Act requires all financial institutions to obtain, verify, and record information which identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information which will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

As a financial institution, we are required to do our part to protect the country from terrorists and other types of criminal activity. St. Martin Bank cannot and will not waive these requirements.

Please help us to protect our country.

Our Relationship with You

Maintaining a good relationship with our customers is very important to us. Please contact us if you have a problem with any account or service.

Identification

To open an account at the Bank, you will need two current forms of acceptable identification. With limited exceptions, the Bank requires an appropriate social security number or taxpayer’s identification number. Deposit accounts for fiduciaries, partnerships,

corporations and assumed business names must also provide the Bank with valid documentation of trust agreements, court orders, partnership agreements, certificates of limited partnership, articles of

incorporation, and assumed business name statement in addition to any other documentation deemed necessary by the Bank.

General Information

Personal Deposit Services

Type Kasasa Cash &

Kasasa Cash with Stmt

Kasasa Tunes e-Checking NOW Checking &

NOW Bonus Checking Designed for

Those Who

Want to earn a high rate of interest on their checking account and receive refunds on ATM fees.

Want to earn iTunes credits.

Are interested in “going green” and want no monthly service fee.

Want to earn interest on their checking account with no qualifications to meet. Minimum Deposit to Open Account $50.00 $50.00 $50.00 $50.00 Avoid Monthly Service Fees

N/A N/A N/A $1,200 minimum daily balance on NOW $2,500 minimum daily balance on NOW Bonus Checking reduces service fee to $6.99

Monthly Service Fee

$0 for Kasasa Cash. $3 for Kasasa Cash with

Stmt. $0 $0 $11.99 (NOW Checking) $14.99 (NOW Bonus Checking) Transaction Limitations

Unlimited Unlimited Unlimited Unlimited- $0.15 per debit cleared in excess of 40 during any statement cycle where the minimum daily balance is less than $1,200 in NOW or $2,500 in NOW Bonus.

Minimum Balance $0.01 N/A N/A $0.01

Special Features Free online banking & bill pay. Earn massive interest and ATM fee refunds when monthly qualifications are met during the qualification cycle. To qualify just: have at least 10 debit card purchases post and clear; have at least 1 direct deposit or recurring, third-party payment post and clear; receive eStatements; access Kasasa 360 online. Unlimited ATM withdrawals from any SMB ATM or one carrying the Community Cash logo.

Free online banking & bill pay. Earn iTunes downloads and ATM fee refunds when monthly qualifications are met during the qualification cycle. To qualify just: have at least 12 debit card purchases post and clear; receive

eStatements; access online banking using secure login. Unlimited ATM withdrawals from any SMB ATM or one carrying the Community Cash logo.

Free online banking & bill pay. Receive eStatement through secured login in online banking. No statements will be mailed. Unlimited ATM withdrawals from any SMB ATM or one carrying the Community Cash logo.

Unlimited check writing and debit card purchases with minimum daily balance shown above.

Unlimited ATM withdrawals from any SMB ATM or one that carries the Community Cash logo. Notice of Important Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

Type Bonus Checking Regular Checking & Platinum Checking

Kasasa Saver Money Market Savings

Designed for Those Who Want membership privileges and accidental/death dismemberment coverage.

Want a flat rate for their check writing needs.

Have a Kasasa Cash account and want to earn interest in Saver. Works with Kasasa Cash to earn interest.

Keep a high balance and want an interest rate which adjusts with the market.

Want to build their savings without a fixed term. Minimum Deposit to Open Account $50.00 $50.00 $50.00 $50.00 $50.00 Avoid Monthly Service Fees

N/A $800 minimum daily balance on Regular Checking.

$100 minimum daily balance on Platinum Checking.

N/A $2,500 minimum daily balance.

$250 minimum daily balance.

Monthly Service Fee $10 (Single coverage) $11 (Joint coverage) $12 (Family coverage) Regular Checking $5, if minimum daily balance is between $400 and $800. $10, if minimum daily balance is below $400. Platinum Checking $5, if minimum daily balance is below $100. $10.00 $5 assessed quarterly. Transaction Limitations

Unlimited Unlimited- $0.15 per check cleared in excess of 40 during any statement cycle where the minimum daily balance is less than $800 in Regular Checking.

Unlimited in Platinum.

Point of Sale and electronic debit transactions are not allowed. ATM & Online Transfers are allowed.

No more than 6 debits/ withdrawals/transfers unless made through ATMs, in-person, by mail or messenger. $10 per debit, transfer or check cleared after 6 allowed.

$3 per withdrawal after 5 teller withdrawals in quarterly period. Point of Sale and electronic debit transactions are not allowed. ATM & Online Transfers are allowed.

Minimum Balance to Earn Interest

N/A N/A $0.01 $2,500 $50

Special Features Unlimited check writing and debit card purchases. Unlimited ATM withdrawals from any SMB ATM or one that carries the Community Cash logo.

Unlimited ATM withdrawals from any SMB ATM or one that carries the Community Cash logo.

Interest and ATM fee refunds from Kasasa Cash are deposited directly into Saver. When you qualify on Kasasa Cash, you qualify on Saver. Saver can be tied to a Kasasa Cash to gain access at an ATM.

Unlimited ATM withdrawals from any SMB ATM or one that carries the Community Cash logo.

Savings account can be tied to a SMB Checking account to gain access at an ATM.

Personal Deposit Services, continued

Notice of Important Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

We fit banking solutions to your business needs and make doing business as simple as possible.

Business Loans

SMB prides itself on its lending division. The Bank’s capable and creative staff makes the loan

application process simple and convenient.

Business loans are tailored to meet individual needs. Because of the Bank’s local Board of Directors,

quick turnaround can be delivered on loan requests.

Loans are originated for many varied purposes including:

Agricultural

Commercial Real Estate

Working Capital, Equipment Loans, Expansion Loans, Lines of Credit

Letters of Credit

Small Business Loans

SBA 504 and SBA 7 (a) Low Doc

And other business needs

Checking & Savings Solutions

We offer deposit accounts to meet your needs based on type of activity and account features.

Cash Management Services*

Do you need the flexibility of accessing your account online anytime? Do you want to spend less time

gathering account information, submitting payroll and tax payments, getting payroll completed or

collecting on monthly billing? You business could benefit from cash management services.

Online Banking offers the ability to Transfer Funds, View Statement History, Get Real-Time Balance

Information, and View Check Images.

Cash Management gives your business the ability to manage multiple users and access levels, setup

and manage direct payments and direct deposits, and submit electronic tax payments.

Merchant Card Processing Services*

Provides the ability to accept credit and/or debit card payments for your retail sales or monthly

recurring services. Improve availability and broaden your sales with the acceptance of major credit/

debit cards.

Remote Deposit Capture*

Business customers with their primary checking account at St. Martin Bank can transmit checks for

deposit from their business place using special software and scanning equipment. Ask us how!

Touch Tone Banking

Telephone service which gives you 24/7 access to your account information.

*Additional fees may apply to Cash Management Services, Merchant Card Processing Services, and

Remote Deposit Capture.

Business Services

Type Business

Checking Analysis Checking NOW Checking

Business Money Market Business Statement Savings Designed for Businesses Who

Are looking for economical checking accounts and maintain a minimum daily balance of $2,500 or more or an average ledger balance of $5,000 or more.

Require more complex deposit services with transactions which may include night deposits, higher check writing and/or deposit item volume, coin and currency needs, or cash management services.

Are sole

proprietorships, non-profit organizations, or governmental entities who may earn interest.

Keep a high balance and want an interest rate which adjusts with the market.

Want to build their savings for future business needs without a fixed term.

Minimum Deposit to Open Account $50.00 $50.00 $50.00 $50.00 $50.00 Balance to Avoid Monthly Service Fees $2,500 Minimum Daily Balance or $5,000 Average Ledger Balance

None $1,200 minimum daily balance $2,500 minimum daily balance $250 minimum daily balance Monthly Transaction and Service Fees $10.00 Plus $0.20 per debit item clearing the account. $10.00 Service Fee $ 0.16 Checks & Debits $ 0.10 Items Deposited $ 5.00 Returned Item $25.00 Cash Mgt $ 0.16 Originated Debits & Credits $ 0.55 Currency, per strap $ 0.09 Coin, per roll $ 2.00 Weekly, per Stmt $11.99 $10.00 $7.50 assessed quarterly Transaction Limitations

None None Unlimited - $0.15 per check cleared in excess of 40 during any statement cycle where the minimum daily balance is less than $1,200.

No more than 6 debits/ withdrawals/transfers, unless made in-person, by mail or messenger.

$10 per debit, transfer or check cleared after 6 allowed.

$3 per withdrawal after 5 teller withdrawals in quarterly period. Earns Interest Minimum Balance to Earn Interest No No Yes $0.01 Yes $2,500 Yes $50

Credit Allowance No Yes*

*Based on investible balance (collected balance less Federal Reserve

requirements). Monthly credit allowance is calculated and applied towards the

accumulated

transaction and service fees. The rate of credit is 75% of the 91-day T-bill yield.

No No No

Business Services, continued

Notice of Important Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

At times, unanticipated expenses or unforeseen circumstances can leave you short on cash. St. Martin Bank offers overdraft solutions when needed.

Our Customer Overdraft Policy

An insufficient balance could result in several ways, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; ( 4) the imposition of bank fees and/or charges; or (5) the deposit of items which are held and not yet available

according to our funds availability policy. We are not obligated to pay any items if your account does not contain sufficient funds; however, if you maintain your account in good standing which is defined as making regular deposits and generally keeping a positive balance, you are not in default on any loan or other obligation to the Bank and there are no legal orders, liens or levies outstanding, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fees. The paying of your overdraft is considered our standard overdraft practices known as Overdraft Privilege and is not a line of credit.*

We also offer overdraft protection plans, such as a link to a savings account or signing up for a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

What are the standard overdraft privilege practices that come with my account?

We may authorize and pay overdrafts for checks and other transactions made using your checking account number as well as automatic bill payments.

We do not authorize and pay overdrafts for ATM transactions and everyday debit card transactions, unless you tell us to do so.** If we do not authorize and pay an overdraft, your ATM and everyday debit card transactions may be declined.

Avoiding Overdrafts on Your Account

Overdraft Privilege should not be viewed as encouragement to overdraw your account. We encourage you to manage your finances responsibly.

What if I want St. Martin Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you must tell us to do so. If you do not authorize us to pay overdrafts on these types of transactions, the transaction may be declined.

What if I authorize St. Martin Bank to pay overdrafts on my ATM and everyday debit card transactions then change my mind?

If you change your mind, contact us at 1-888-234-4994 or visit our website at www.stmartinbank.com then click on the Reg E Opt In link shown at the bottom of our homepage.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

We will charge you a fee of $28 each time we pay an item causing an overdraft or each time an item is returned unpaid as nonsufficient (NSF). The total fees we will charge you for overdrawing your account if using our standard overdraft privilege practice is (6) overdraft fees per business day.** There is no limit to the number of NSF fees (for returned items) charged, but each NSF item will be charged an NSF fee.

Linked Accounts for Overdraft Protection

You can cover your overdraft on your personal checking account by transferring funds from another St. Martin Bank account. Ask us how to set this up. This will be an automated transfer from another checking, savings or money market account***. A fee will be assessed for each overdraft transfer that occurs.

Overdraft Protection—Line of Credit

An unsecured Line of Credit used as an overdraft protection for qualified applicants is available. Credit terms and conditions apply. Please see one of our representatives for more details and fees associated with this service. Please see our schedule of fees for detailed information on NSF and overdraft fees.

*St. Martin Bank & Trust Company is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment (or other negotiation or processing) by St. Martin Bank & Trust Company of any non-sufficient funds check or other item does not obligate or create an agreement or course of dealing for St. Martin Bank & Trust Company to pay any additional non-sufficient funds check or item or to provide prior notice of its decision to refuse to pay any additional non-sufficient funds check or item.

St. Martin Bank & Trust Company will have the discretion to pay overdrafts within the overdraft privilege limits, but payment by St. Martin Bank & Trust Company is a discretionary courtesy and not a right of the account holder or an obligation of St. Martin Bank & Trust Company. **For personal accounts only. ***Maximum of six transfers per month as per account limitation guidelines.

Overdraft Options

The following fees assessed at time of purchase or occurrence:

Online Banking Services

Online Banking Service………..

Free

Online Stop Payments……… $28.00

Bill Pay Services

Bill Pay Service………... Free

Bill Pay Debit Return for NSF………... $28.00

Research (per hour of research)……….. $25.00

ATM Transactions at ATMs not owned by SMB

A surcharge may be assessed by the owner of non-St. Martin Bank ATMs. St. Martin Bank

participates in Community Cash where member ATM owners do not assess a surcharge to those who

participate. Search online for Community Cash ATM to find participants and download the Community

Cash app for your smart phone.

Withdrawal/Transaction Fee………... $2.00

Inquiry Fee………. $2.00

Surcharge assessed at St. Martin Bank ATMs

for any cardholder not drawn on St. Martin Bank……… $3.00

Teller Services

Check Cashing & Savings Bond Redemption

Checks not drawn on St. Martin Bank………..……...

3%

With a minimum of………... $10.00

Government Checks, excluding tax refunds……….. $5.00

The Bank is not obligated to cash checks not drawn on St. Martin Bank or without proper identification

and we may refuse anyone.

Money Orders (Only sold to customers)………. $3.00

Cashier’s Checks (Only sold to customers)………... $5.00

Check drawn on us converted to Cashier’s Check………... $10.00

Gift Cards (Only sold to customers)……….. Purchase………. $2.75

Lost/Stolen replacement fee………. $5.00

Monthly inactivity fee (after 12 months no activity)………... $2.95

Travel & Reloadable Cards ……….. Purchase………. $5.50

Reload Fee, per load if not Direct Deposit………. $3.00

Companion Card, for Travel Card only………... $2.50

Lost/Stolen replacement fee………. $5.00

Domestic/International ATM Fees apply*

Youth Cards (Sold to customers for someone under the age of 18)………... $5.50

Reload Fee, per load if not Direct Deposit……….. $3.00

Lost/Stolen replacement fee………. $5.00

Domestic/International ATM Fees apply*

*Domestic fee $1.50; International fee $3.00, POS pin-based transaction fee $0.50. Some ATM

owners may charge an additional fee.

For Reloadable & Youth Cards, after the second load, a personalized card is mailed to the customer.

Schedule of Fees

Account Reconciliation or Research, per hour……….. $25.00 Balance inquiries………. Free Chargeback of Item………. $5.00 Collections-Incoming/Outgoing* (Deposit Customer)………... $15.00 Collections—Outgoing (Non-deposit Customer)*……….. $25.00 *Plus direct costs for outgoing

Copies of Any Records, per item………... $0.50 Dormant Account, monthly after 12 months no activity………. $5.00 Debit Card Replacement………. $5.00 Early Closure Handling Fee

Club Account………. $2.00 Deposit Account, if closed within first 180 days……… $20.00 Forced Closed Account Handling Fee………... $25.00 IRA Transfer Fee………... $50.00 Loan Coupon Book, reprinted………..….. $5.00 Non-sufficient Funds (NSF) Fee if Paid or Returned, per item………... $28.00 Overdraft Fees

Daily Overdraft (Non-personal Accounts Only)………... $5.00 When overdrawn more than 1 day until balance becomes positive.

Paid within Privilege, per item, up to (6) items per day………... $28.00 Returned, per item………. $28.00 Overdraft Protection, Line of Credit

Origination Fee………... $50.00 Monthly Fee……….. $2.00 Overdraft Sweep Transfer, per transfer……… $5.00 Returned Mail, per piece………. $5.00 Revoked Authorization of Electronic Item………...$28.00 Safekeeping Services, per month, per receipt………. $5.00 Security Purchases or Sales, per transaction………... $30.00 Stop Payment Order (Good for (6) months)………$28.00 Tax Levy/Garnishment/Summons……… $65.00 Telephone Transfers……… $2.00 Transaction History Printout………... $2.00 Wire Transfer—Domestic

Incoming (Deposit Customer Only)………. $10.00 Outgoing (Deposit Customer Only)………. $19.95 Wire Transfer—International

Incoming (Deposit Customer Only)………. $10.00 Outgoing (Deposit Customer Only)*Plus direct costs from

receiving bank………..

Safe Deposit Box

Other Services

Box Size

Annual Rent with Auto-Payment from SMB Checking

Annual Rent without Auto Payment 3 X 5 $36.97 $61.94 5 X 5 $46.97 $81.94 3 X 10 $56.97 $101.94 4 X 10 $66.97 $121.94 5 X 10 $71.97 $131.94 10 X 10 $161.97 $311.94

Key Deposit Fee, initial fee

non-refundable $24.97 $24.97

Late Fee, after 30 days delinquent $10.00 $10.00

Notice of Important Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

Deposit Reclassification

The Bank may make a change in your Checking Account which will not affect your available balance, interest earnings, FDIC insurance, or bank statement. This Account will consist of a checking sub-account and a savings sub account. The Bank may periodically transfer funds between these two sub-accounts. If your Account is a Plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub- account will be non-interest bearing. The savings sub- account will be governed by the rules governing our other savings accounts.

Individual Retirement Accounts

SMB Individual Retirement Accounts are long range savings plans which can contribute to one’s financial security at retirement. SMB offers a traditional IRA and a Roth IRA.

Traditional IRA

The traditional IRA is an account which allows the investor to defer taxes on earnings until funds are withdrawn. Also, certain contributions are tax deductible in the year they are made. If the investor is under age 70 1/2 for the entire tax year and has earned income, he or she is eligible to establish a traditional IRA. A transfer fee of $50.00 will be imposed on an IRA transferred out of the Bank.

ROTH IRA

The Roth IRA is a non-deductible account featuring tax-free withdrawals for certain distribution reasons after a five year holding period. Since Roth IRA contributions are non-deductible and taxed in the year they are earned, investors expecting to be in higher tax brackets when they retire may benefit more from this account than from a traditional IRA. Basically, there are two requirements for eligibility to contribute to a Roth IRA: the investor must have earned income (or his/her spouse must have earned income) and the investor’s modified adjusted gross income cannot exceed certain limits. A transfer fee of $50.00 will be imposed on an IRA transferred out of the Bank.

HSA Accounts

Are available to eligible individuals with a high deductible health plan as described by IRS in Publication 969. This account is a NOW Checking Account. Monthly service fee is $2.50 per statement cycle. There is no minimum balance required to maintain the account.

Time Deposits

Time Certificates of Deposit offered with terms varying from 7 days to 36 months. Specials may be offered with additional terms. Rates may change on a weekly basis set by SMB. Interest can be paid to the certificate holder monthly, quarterly, or at term or can be compounded by adding to the certificate balance quarterly or at term.

Christmas and Vacation Clubs

SMB offers Christmas and Vacation Club Savings Accounts which earn interest based on a variable interest rate set by SMB. Minimum balance to open a club account is $2.00. Deposits can be made weekly for 50 consecutive weeks. No withdrawals are allowed from Christmas and Vacation Club Savings Accounts; however ,if an exception is made, a $2 handling fee will be assessed. Annually, the Bank will issue a check for the entire balance of the account including principal and interest. The check will be mailed to you directly or can be automatically deposited to a checking or savings account with the Bank.

Deposit Account Closing

If a deposit account remains at a zero balance for more than five business days, it will automatically close.

SMB Investment Center, LLC

Amid an ever-changing investment landscape, investors need an expert and experienced partner who can guide them through the intricacies of investing and financial planning by providing four key tenets:

 Solid, unbiased advice

 Meaningful, timely information and research

 Easy access to value-added investments and services

 Unparalleled client service

Services

Comprehensive Financial Planning including estate, college, business succession and retirement planning.

Products

Mutual Funds Asset Mgmt Accts Variable Annuities Fixed Annuities Individual Stocks & Bonds Foreign Securities Tax-Exempt Bonds Alternative investments Life Insurance Long Term Care Insurance Individual IRAs (Traditional , ROTH, SEP, and SIMPLE) 401K Plans Trust Accounts

The products offered by SMB Investment Center, LLC are not FDIC insured; products are not deposits, or other obligations, or guarantees of the Bank; and are subject to investment risks, including the possible loss of principal amount invested. Securities and Advisory Services offered through LPL Financial and its affiliates. Member FINRA/ SIPC.

For more information, please contact one of our licensed Financial Advisors at (337) 572-3674.

Deposit Reclassification & Investments

Notice of Important Changes Contents Important Changes General Information Personal Deposit Services Personal Dep. Services, Cont Business Services Business Services, Cont Overdraft Options Schedule of Fees Other Services Dep Reclass & Investments Bank Centers &

Main Office – St. Martinville

LOBBY

Monday thru Thursday - 9 am thru 3 pm Friday - 9 am thru 5 pm

DRIVE-UP

Monday thru Friday - 8 am thru 6 pm Saturday - 9 am thru 1 pm

Parks & Catahoula Branches

LOBBY & DRIVE-UP (No drive-up at Catahoula Branch) Monday thru Thursday - 9 am thru 1 pm

Friday - 9 am thru 5 pm

Johnston, Verot & Jennings Branches

LOBBY

Monday thru Thursday - 9 am thru 4 pm Friday - 9 am thru 5 pm

DRIVE-UP

Monday thru Friday - 8 am thru 6 pm Saturday - 9 am thru 1 pm

Banking Centers

301 S. Main St. 4421 Catahoula Hwy.

St. Martinville, LA 70582 St. Martinville, LA 70582

(337) 394-7800 (337) 394-7845

1021 Bridge St. 100 Albertson Parkway

Parks, LA 70582 Broussard, LA 70518

(337) 394-7850 (337) 266-7700

300 Verot School Rd. 2810 Johnston St. Lafayette, LA 70508 Lafayette, LA 70503

(337) 572-3600 (337) 234-4994

800 I-10 S. Frontage Rd. 357 Odd Fellows Road

Scott, LA 70583 Crowley, LA 70527

(337) 572-3625 (337) 788-2465

128 E. Academy 102 South Adams

Jennings, LA 70546 Welsh, LA 70591 (337) 824-2300 (337) 734-2226 805 Main St. Elton, LA 70532 (337) 584-2282

Hours of Operation