Online Account Opening Disclosure of Account Terms & Agreements ________________________ ____________________ Important Information Regarding Your New Account

rev. 06-23-15

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE. 57-KAPOW INTEREST CHECKING RATE INFORMATION: Single Variable Rate. The interest rate on your account is 0.14% with an annual percentage yield of 0.14%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee.

MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account is opened in branch / $25-if account opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield. To Avoid Imposition Of Fees. A minimum balance fee of $25.00 will be imposed every month if the balance in the account falls below $2500.00 any day of the month. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

ELIGIBILITY. Free foreign ATM usage - Free reimbursement of ATM surcharge fees w/ a minimum daily balance of $2500.00.

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE. 58-MAXIMUM INTEREST CHECKING ACCOUNT RATE INFORMATION: Tiered Rate: Variable Rate Based Upon Total Balance. • Top Tier. If your daily balance is $ 250,000.00 or more, the interest rate paid on the entire balance in your account will be 0.20% with an annual percentage yield of 0.20%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. •

Intermediate Tier. If your daily balance is less than $ 250,000.00 and greater than or equal to $ 50,000.00, the interest rate on the entire balance in your account will be 0.15% with an annual percentage yield of 0.15%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account.

•

Second Intermediate Tier. If your daily balance is less than $ 50,000.00 and greater than or equal to $ 25,000.00, the interest rate on the entire balance in your account will be 0.15% with an annual percentage yield of 0.15%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account.

•

Bottom Tier. If your daily balance is less than $ 25,000.00 and greater than or equal to $ 5,000.00, the interest rate on the entire balance in your account will be 0.15% with an annual percentage yield of 0.15%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account is opened in branch / $25-if account is opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. To Avoid Imposition Of Fees. Combined minimum balance of $30,000 with qualified deposit and/or loan account to avoid a monthly maintenance fee of $30.00. Combined minimum balance is assessed from lowest balance in each eligible account per statement cycle. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

ELIGIBILITY. Free foreign ATM transactions. Foreign ATM surcharges refunded on all balances.

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE. 76-BOOMERANG CHECKING MINIMUM BALANCE REQUIREMENTS: To Open The Account. $0-if account opened in branch / $25-if account opened online To Avoid Imposition Of Fees. E-Statement service is required. Interruption of E-Statement service will result in a $6.00 monthly maintenance fee. BONUS - Accountholders will earn $.10 each time they use their debit card as a signature or PIN transaction (any and all ATM transactions excluded). Debit Card bonus will credit to the account the next business day after the statement cycle. Debit Card bonus will be titled on the statement as “Debit Card Bonus”. Fees may reduce debit card bonus earnings. Debit card bonus may be subject to IRS reporting 1099 MISC form. EFFECT OF CLOSING AN ACCOUNT. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. TRANSACTION LIMITATIONS. Five checks per statement cycle allowed, then $.50 per check charge over five.

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE 77-CLASSIC CHECKING

MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-if account opened online To Avoid Imposition Of Fees. Minimum daily balance of $99.00 or recurring Direct Deposit of payroll, pension or social security required to avoid a monthly maintenance fee of $12.00.

EFFECT OF CLOSING AN ACCOUNT. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee.

ACCOUNT TYPE. 75-HIGH INTEREST PAPERLESS (HIP) E-SAVINGS (page 1 of 2) RATE INFORMATION: The High Interest Paperless (HIP) e-Savings account requires the opening of a Sun National Bank Boomerang Checking account or Classic Checking account. If the required checking account is closed at any time after the opening of the High Interest Paperless (HIP) E-Savings account, this E-Savings account will convert to a Basic Savings account. Current rate information for the Basic Savings account can be found in the TRUTH IN SAVINGS INITIAL DISCLOSURE for Basic Savings by scrolling within this document.

Tiered Rate: Variable Rate Based Upon Total Balance. • Top Tier. If your daily balance is $ 250,000.00 or more, the interest rate paid on the entire balance in your account will be 0.25% with an annual percentage yield of 0.25%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. •

Intermediate Tier. If your daily balance is less than $ 250,000.00 and greater than or equal to $150,000.00, the interest rate on the entire balance in your account will be 0.25% with an annual percentage yield of 0.25%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account.

•

Second Intermediate Tier. If your daily balance is less than $150,000.00 and greater than or equal to $ 50,000.00, the interest rate on the entire balance in your account will be 0.25% with an annual percentage yield of 0.25%. Your interest rate and annual percentage yield may change. Determination of Rate At our discretion, we may change the interest rate on your account.

•

Third Intermediate Tier. If your daily balance is less than $ 50,000.00 and greater than or equal to $ 2,500.00, the interest rate on the entire balance in your account will be 0.25% with an annual percentage yield of 0.25%. Your interest rate and annual percentage yield may change. Determination of Rate At our discretion, we may change the interest rate on your account.

•

Bottom Tier. If your daily balance is less than $ 2,500.00 and greater than or equal to $ .01, the interest rate on the entire balance in your account will be 0.15% with an annual percentage yield of 0.15%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee.

ACCOUNT TYPE. 75-HIGH INTEREST PAPERLESS (HIP) E-SAVINGS (page 2 of 2) MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-account opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. To Avoid Imposition Of Fees. There is no minimum balance requirement and no monthly maintenance fee for this account. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle.

Excess Withdrawal Fee. A $15.00 per item fee will be assessed for transactions that exceed the 6 transactions

TRUTH IN SAVINGS INITIAL DISCLOSURE – SAVINGS ACCOUNT TYPE. 12-MAXIMUM SAVINGS RATE INFORMATION: Tiered Rate: Variable Rate Based Upon Total Balance. • •

•

•

Top Tier. If your daily balance is $ 50,000.00 or more, the interest rate paid on the entire balance in your account will be 0.25% with an annual percentage yield of 0.25%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Intermediate Tier. If your daily balance is less than $ 50,000.00 and greater than or equal to $ 25,000.00, the interest rate on the entire balance in your account will be 0.20% with an annual percentage yield of 0.20%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Second Intermediate Tier. If your daily balance is less than $ 25,000.00 and greater than or equal to $ 5,000.00, the interest rate on the entire balance in your account will be 0.20% with an annual percentage yield of 0.20%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Bottom Tier. If your daily balance is less than $ 5,000.00 and greater than or equal to $ .01, the interest rate on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time.

COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-if account opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. Excess Withdrawal Fee. A $15.00 per item fee will be assessed for transactions that exceed the 6 transactions ELIGIBILITY. Available to Maximum Checking account customers only.

TRUTH IN SAVINGS INITIAL DISCLOSURE – SAVINGS ACCOUNT TYPE. 15-BASIC SAVINGS RATE INFORMATION: Tiered Rate: Variable Rate Based Upon Total Balance. • Top Tier. If your daily balance is $ 25,000.00 or more, the interest rate paid on the entire balance in your account will be 0.15% with an annual percentage yield of 0.15%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Intermediate Tier. If your daily balance is less than $ 25,000.00 and greater than or equal to $ 5,000.00, the interest rate on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Bottom Tier. If your daily balance is less than $ 5,000.00 and greater than or equal to $ .01, the interest rate on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every 3 months. CREDITING FREQUENCY. Interest will be credited to your account every 3 months. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-if account opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. To Avoid Imposition Of Fees. A minimum balance fee of $7.00 will be imposed every month if the balance in the account falls below $300.00 any day of the month. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. Excess Withdrawal Fee. A $15.00 per item fee will be assessed for transactions that exceed the 6 transactions.

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE. 35-MAXIMUM MONEY MARKET RATE INFORMATION: Tiered Rate: Variable Rate Based Upon Total Balance. • Top Tier. If your daily balance is $ 50,000.00 or more, the interest rate paid on the entire balance in your account will be 0.35% with an annual percentage yield of 0.35%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Intermediate Tier. If your daily balance is less than $ 50,000.00 and greater than or equal to $ 25,000.00, the interest rate on the entire balance in your account will be 0.35% with an annual percentage yield of 0.35%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Second Intermediate Tier. If your daily balance is less than $ 25,000.00 and greater than or equal to $ 5,000.00, the interest rate on the entire balance in your account will be 0.20% with an annual percentage yield of 0.20%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Bottom Tier. If your daily balance is less than $ 5,000.00 and greater than or equal to $ .01, the interest rate on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-if account opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. Excess Withdrawal Fee. A $15.00 per item fee will be assessed for transactions that exceed the 6 transactions. ELIGIBILITY. Available to Max Checking account customers only..

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE. 17-BASIC MONEY MARKET RATE INFORMATION: Tiered Rate: Variable Rate Based Upon Total Balance. • Top Tier. If your daily balance is $ 25,000.00 or more, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Intermediate Tier. If your daily balance is less than $ 25,000.00 and greater than or equal to $ 5,000.00, the interest rate on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Bottom Tier. If your daily balance is less than $ 5,000.00 and greater than or equal to $ .01, the interest rate on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-if account is opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. To Avoid Imposition Of Fees. Must maintain a minimum daily balance of $1,500.00 to avoid a monthly maintenance fee of $15.00 BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. Excess Withdrawal Fee. A $15.00 per item fee will be assessed for transactions that exceed the 6 transactions.

TRUTH IN SAVINGS INITIAL DISCLOSURE – CHECKING ACCOUNT TYPE. 30-SUNRAY MONEY MARKET RATE INFORMATION: Tiered Rate: Variable Rate Based Upon Total Balance. • Top Tier. If your daily balance is $ 25,000.00 or more, the interest rate paid on the entire balance in your account will be 0.20% with an annual percentage yield of 0.20%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Intermediate Tier. If your daily balance is less than $ 25,000.00 and greater than or equal to $ 5,000.00, the interest rate on the entire balance in your account will be 0.15% with an annual percentage yield of 0.15%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. • Bottom Tier. If your daily balance is less than $ 5,000.00 and greater than or equal to $ .01, the interest rate on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%. Your interest rate and annual percentage yield may change. Determination of Rate. At our discretion, we may change the interest rate on your account. Frequency of Rate Changes. We may change the interest rate on your account at any time. COMPOUNDING FREQUENCY. Interest will be compounded every month. CREDITING FREQUENCY. Interest will be credited to your account every month. EFFECT OF CLOSING AN ACCOUNT. If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 180 days of opening, you will be charged a $ 20.00 fee. MINIMUM BALANCE REQUIREMENTS: To Open The Account. You must deposit $0-if account opened in branch / $25-if account is opened online To Obtain The Annual Percentage Yield Disclosed. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL OF INTEREST ON NONCASH DEPOSITS. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). TRANSACTION LIMITATIONS. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle. Excess Withdrawal Fee. A $15.00 per item fee will be assessed for transactions that exceed the 6 transactions.

CONSUMER DEPOSIT ACCOUNT AGREEMENT TERMS. In this agreement ‘you,’ ’your’, and , ‘yours’ mean Depositor individually (jointly and severally if more than one). ‘We,’ ‘our,’ ‘ours,’ and ‘us’ mean SUN NATIONAL BANK. Unless the context clearly requires otherwise, a singular term includes the plural and vice versa, and a word of one gender includes the other. ‘Item’ is any check, draft, or order for the payment of money, oral or written, in electronic or other form. ‘Business day’ is any day we are open for carrying on substantially all of our banking business other than Saturday, Sunday, or Federal Reserve Bank holiday. ‘Such as’ means the terms that follow are merely examples and are not intended to limit the possibilities. ‘This agreement’ means this document and any of the following, periodically amended, that we give you: disclosures; such as Truth in Savings and electronic fund transfers; fee schedule(s); the signature card; and any agreement for banking services connected with this account. BINDING AGREEMENT. You have read this agreement and understand it is binding between you and us for a deposit account (‘the account’). MULTIPLE OWNERS. If there are multiple owners, each owner may do anything permitted with the account, such as: endorse items for deposit or collection, even if payable to another owner; pledge it as collateral for any obligation; move funds by check or other means; close it; authorize others to conduct transactions on it; and give instructions for transfers, stop payments, and all other matters relating to it. (No owner may cancel a stop payment entered by another owner.) Each owner appoints each other owner as attorney-in-fact to endorse and cash items. A notice sent to one owner is effective for all. You guarantee the signature of each owner. You will be responsible for any liability, such as an overdraft, a fee, or a refund to the government of a direct deposit, even though caused by another owner. Unless noted otherwise on the signature card, the account is owned jointly with right of survivorship and not as tenants in common. If one owner dies, we treat the survivor(s) as owner(s) of the full balance. If noted on the signature card that ownership is as tenants in common or without survivorship, we treat the survivor(s) and personal representative of the deceased as owners. Their shares will be equal unless we have agreed otherwise in writing. Only a married couple may own the account as tenants by the entirety, and only if noted on the signature card. If one spouse dies, we treat the survivor as sole owner. If the couple divorces, we treat them as owners jointly with right of survivorship. You will notify us immediately after you learn of the death or declaration of incompetence of any co-owner. SUBACCOUNTS. If the account is a demand deposit account or a negotiable order of withdrawal (NOW) account, it will be a master account consisting of two subaccounts: a transaction subaccount and a nontransaction subaccount. The two subaccounts and the transactions between them are for the purpose of improving our efficiency and have no effect on your account or your ability to use it. The amount of interest you earn, the fees you incur, and your periodic account statements are not affected. We will maintain information on the two subaccounts for regulatory reporting purposes only. All statements will consolidate the two subaccounts into the master account and show it as a single account. At the beginning of each statement period, we will allocate the balance in the master account between the two subaccounts based on formulae we can periodically change. All your items will be posted against the transaction subaccount. If additional funds are needed, we automatically (without charge) transfer available funds from the nontransaction subaccount. If excess funds accumulate in the transaction subaccount, we can transfer them to the nontransaction subaccount (again, without charge). Federal regulations limit preauthorized transfers from the nontransaction to the transaction subaccount to six per monthly statement period. In the sixth transfer in such a period, we move the entire balance in the nontransaction subaccount to the transaction subaccount for the remainder of that statement period. The full collected balance in both subaccounts will be available at all times to pay your items. ‘IN TRUST FOR’ TERMS. If the account is noted on the signature card as ‘ITF’ or ‘in trust for,’ you agree that at your death (or, if more than one owner, at the death of the last survivor) ownership passes to the designated

beneficiary/beneficiaries. You have not given us notice of the existence nor terms of a legal and valid trust other than the ‘in trust for’ description on the signature card. P.O.D. TERMS. If the account is noted on the signature card as ‘P.O.D.’ or ‘pay-on-death,’ you agree that at your death (or, if more than one owner, at the death of the last survivor) ownership passes to the designated pay-on-death beneficiary/beneficiaries. No beneficiary will have any rights until all owners have died. If an owner pledges the account as collateral for an obligation, the pledge prevails over any rights of any beneficiary. If more than one beneficiary is designated they shall share equally unless otherwise noted on the account. If a beneficiary predeceases the account owner, his or her interest shall immediately terminate and the percentage share of the surviving beneficiaries shall be increased on a pro rata basis. UTMA ACCOUNTS. If the account is noted on the signature card as established under the Uniform Transfers to Minors Act (UTMA), you understand there can be only one custodian and one minor per account. No other parties are permitted. Your responsibility to us under this agreement will not be limited to the amount in the account. ACCOUNT TYPE. The account type is noted on the signature card and Truth in Savings disclosure. If a savings, NOW, or Money Market account, we reserve the right to require seven days‟ written notice before any withdrawal. If a negotiable order of withdrawal (NOW) account, if any entity not allowed by federal regulations to have such an account becomes an owner, we will convert the account into a checking or savings account. If a Holiday Club account, we will send you a check for the balance or we will deposit the balance into an account you have with us in October each year unless otherwise directed. We have given you disclosures explaining applicable transaction limits, fees, interest rates, and balance requirements. You agree that our fees and charges need not be based upon the cost of providing the service or administering the event to which the fee or charge is associated, but may be based on other considerations such as the expense of providing account services, generally similar charges of other financial institutions with which we compete, revenues to the bank, and the deterrence of abuse of an account. SEVERABILITY. If the courts determine that any part of this agreement is illegal or unenforceable, you agree that the remainder will be enforced and the offending provision changed to make it enforceable. LAW, JURISDICTION, AND VENUE. The laws of New Jersey govern this agreement. The courts of that state have jurisdiction of any dispute in connection with this agreement. You agree that venue will be proper in the courts in the county and city of our office where you signed or delivered this agreement. WAIVER OF JURY TRIAL. You waive your right to a jury trial in any dispute with us. Such disputes may be tried before a judge only. WAIVER OF CLASS ACTIONS. You agree that the transactions of each depositor of this bank arises from a unique relationship between the bank and its depositor such that damages that may arise as a result of a violation or alleged violation of this agreement or the laws and regulations governing this agreement are not the same for all depositors and therefore not appropriate for class action treatment. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST THIS BANK EITHER AS A MEMBER OF A PUTATIVE CLASS OR AS LEAD PLAINTIFF IN ANY DISPUTE AGAINST THE BANK. ARBITRATION. You or we may require that any controversy or claim relating to this agreement, or breach of it, be resolved through arbitration administered by the American Arbitration Association under its commercial rules. Judgment on any award rendered by the arbitrator may be entered in any court having jurisdiction. CHANGES. We may change any term of this agreement by giving you notice as required by law. If the law does not require a particular type or period of notice, we can post the change in our lobby or other public area for five days before it takes effect. If you use the account after the effective date of a change, that indicates your acceptance of the change. ACCOUNT CLOSING. You or we may close the account at any time without cause. We may close it without notice to you if we reasonably believe it will prevent loss to us or you have violated this agreement. You will pay any fees and costs for closing the account, as well as any outstanding items. Our rights and your obligations survive any closing of the account or cancellation of this agreement. You will not claim we wrongfully dishonored items we return unpaid on or after the day the account was closed. NOTICES. We can send you communication at the last address you gave us in writing. You will send us communication at our address in this agreement. The postmark or postage meter date, except where this agreement requires that something be „actually received,‟ determines when communication occurred. You will notify us immediately of any change in your name, address, telephone number, or taxpayer identification number. NO ASSIGNMENT. You understand that neither the account nor your rights under this agreement can be assigned without our written permission. Your successors and assigns are bound by this agreement. Any actual or purported assignment of the account remains subject to our right of setoff.

EXPENSES. You will pay any expenses we incur in good faith related to this agreement, such as fees on items sent for collection, foreign exchange charges, and unreimbursed research and copying fees when someone requires records about our relationship, and attorneys‟ fees we incur in good faith because of concerns about the account, whether or not litigation has begun, including such fees through trial and all appeals, plus court costs. You also agree to pay any expense that we incur, including attorneys‟ fees in responding to any subpoena, writ, government agency or judicial order, search warrant, or other order which we may be required to respond to regarding your account or your relationship with us. INDEMNIFICATION. You will indemnify us against, and hold us harmless from, any and all losses, damages, costs, and attorney fees that we incur because of your failure to abide by any of the terms of this agreement. NO WAIVER. Failure to insist on your strict performance of any obligation under this agreement will not create any duty on our part to continue to do so. You will not claim that we waived our right to insist on proper performance. OUR RIGHTS. You agree that our rights under this agreement are cumulative, not exclusive. We may exercise any of them without giving up the right to exercise others. RECORDING. You give us permission to record your communications with us. If you authorize someone to do business with us on your behalf, such as by power of attorney, you will be responsible for obtaining their permission to our recording their communications with us. SETOFF. You grant us the right to apply the balance to payment of any debt that any owner of the account owes us, without notice including direct obligations, such as cashed items charged back, promissory notes and agreements (including this one), and indirect obligations, such as guarantees and endorsements. The right of setoff does not apply to this account if it is an IRA or other tax-deferred retirement account. You understand that we can pay items into overdraft, impose overdraft fees, and apply any later deposits (including direct deposits of Social Security or other government benefits) to those overdrafts or overdraft fees. LEGAL PROCESS. If any owner or authorized signer is ever involved in a legal proceeding, such as divorce, garnishment, levy, or attachment, you will not hold us responsible for any damage you suffer from our actions in good faith reliance on any order or other legal process. Any garnishment, levy, or attachment is subject to our right of setoff. If a bankruptcy or similar proceeding is filed by or against any owner, we can place an administrative hold on part or all of the balance while we seek to have the automatic stay lifted. NO ACTIVITY. You understand that if you do not generate any transactions for 545 days, we may charge dormancy fees unless specifically forbidden by law. You understand that if the lack of activity continues for the period set by abandoned property law, we will pay the balance to the state. AUTHORITY. You will not grant anyone authority to conduct business with us on your behalf until we have reviewed the terms of authorization and have given you written acceptance. This includes authority such as power of attorney, bill-paying arrangement, or other method. You will not claim that we wrongfully dishonored items presented to us before we accepted the authorization. If you have not given us the proposed authorization for advance review, we may, in good faith, honor items and instructions from the person you authorized. You will not hold us responsible if someone you authorized to do business with us misapplies your money. You assume all risk of improper acts by such person. We can consider an authorization valid until we actually receive written revocation of it and have had reasonable time to review and act upon it. If we accept an authority, we may revoke our acceptance of that authority at any time at our discretion. If you voluntarily disclose information about the account that would permit someone to initiate a debit to the account (such as account number, bank routing number, and next unused check number) to someone who wants to sell you goods or services, then you will be deemed to have authorized us to pay any debit to your account that person initiates. TELEMARKETERS. Telemarketers and others trying to sell you goods or services may ask for information about your account, such as your account number, next unused check number, or our routing number. If you give any of that information to such a person, you agree that we may treat any debit to your account initiated by that person as having been authorized by you. CHECKS. You will not write a postdated check without giving us written notice, describing the check with reasonable certainty, at least five business days before you write the check. If you do not give us notice, we can pay the check when it reaches us, regardless of the date. You will use only approved checks and deposit slips. You will not attempt to create a „substitute check‟ for deposit into the account without obtaining our express written consent in advance. You will not write a check using ink of a color or type that is not legible when imaged or copied. You will not deposit any check that was written in such ink, or that has any other features that would prevent it from being imaged or copied clearly and completely. You will verify your name, address, telephone, and the numbers in the magnetic ink character line across the bottom of the face of each document in each order of checks and deposit slips. If there is an error, you will not use the affected

documents, but will notify us and the printer immediately. You will not hold us responsible for any amount beyond the replacement cost of the order (provided the checks were ordered through us). If we safekeep your cancelled checks and other items, we can destroy the originals and keep electronic or other images after a reasonable time has elapsed. We can destroy the images after a further reasonable time. Our sending you your statement or making it available will be the same for all purposes as though we had included the cancelled checks and other items with the statement. EXAMINATION OF ITEMS. You do not require us to comply with any restrictive legend on any item, such as, void if not cashed within 90 days,’ payment in full,’ or any other marking that is not one of the following: drawee bank name and location, payee name, endorser name, drawer signature, and the magnetic ink characters across the bottom front of the item. You will not hold us responsible for any items late return caused by an endorsement stamp or other marking outside the area allowed for it by law. You will not claim that we failed to exercise ordinary care because our procedures do not require sight examination of each item with an amount below a figure we set periodically. SIGNATURES TO COME. If you have asked us to create the account for multiple owners or authorized signers, we can limit use of the account until all have signed. LAWS, REGULATIONS. We are subject to extremely detailed laws and regulations. You will not hold us liable for anything we do or decline to do based on a good faith belief that it is required by law or regulation. Some laws allow parties to „contract out‟ of the law’s provisions and establish their own rules. You intend this agreement to do that whenever a term of this agreement conflicts with such a law. You will abide by the rules of any clearinghouse or automated clearinghouse that handles any part of a transaction. LIABILITY LIMIT. You will not hold us responsible for loss caused by an event beyond our control, such as war, terrorism, riot, labor trouble, natural disaster, computer problem, loss of electric power, communications, or transport. If we do not process a transaction in accordance with the terms of this agreement, our maximum liability shall be the amount of the transaction. In no circumstances will we be responsible for consequential damages for any action that we take or fail to take in regard to the account. DEPOSITED ITEMS. You understand all deposits are subject to verification and correction. We can accept an item for deposit or collection only, refuse it, or return it. In receiving items, we are acting only as your agent. We have no responsibility beyond ordinary care. You will not hold us responsible for default or negligence of our correspondents or loss of items in transit. Each correspondent we use will be liable only for its own negligence. If we give you credit for an item, we can revoke it if the item is not paid. Items deposited by mail will not be considered received by us until we actually receive them. You will not hold us responsible for loss of any item until we have received it under this standard. If an item requiring endorsement is deposited without it, you authorize but do not require us to supply it. You will reimburse us for loss or expense we incur because of any missing endorsement, whether yours or another’s, on a deposited item. We do not have to notify you of any nonrecurring ACH credits or wire transfers to the account. AUTOMATED CLEARING HOUSE TRANSACTIONS. Credit given by us to you with respect to an automated clearing house ‘ACH’ credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payment in the periodic statement we provide you. We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses ‘ACH’ and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New York, unless we have otherwise specified in a separate agreement with you that the law of some other state shall govern. FOREIGN ITEMS. If an item that is payable at a foreign bank or in a foreign currency is deposited, you will be responsible for all collection charges and exchange rate risk on it. You understand that we will not credit that kind of deposit until receiving the proceeds in United States currency. RETURNED ITEMS. We can charge for the amount of any deposited item that is returned unpaid. We can reprocess the item, but you do not require it. We can process a copy, electronic entry, or other evidence of the returned item. You waive presentment, notice of dishonor, and protest. ‘STALE’ ITEMS. We can pay an item presented to us more than six months after the date on the item, but you do not require it. If you do not want us to pay such an item, you will place a stop payment on it. STOP PAYMENTS. If you want us to stop payment on a check, you will provide the check number, date, payee name, and exact amount. You understand that if either the check number or the amount is not exact,

our check processing equipment may not catch the check in time; you will not hold us responsible. If you telephone your stop payment, you will confirm it in writing on our form within 14 days. We will have a reasonable time to act on any stop payment. You understand that a stop payment expires in six months. You will place a new stop payment if you do not want us to pay the check after the previous one expires. BANK STATEMENTS. You will promptly examine and reconcile each statement we send or make available. You will notify us immediately of any problem, such as forgery, unauthorized endorsement or debit, alteration or encoding error which results in a wrong amount being either credited or debited from your account that you find or reasonably should have found. If you do not notify us within 60 days after we sent or made available the earliest statement that gave an indication of the problem you will be responsible for any loss that your notifying us could have prevented unless you can establish that we failed to exercise ordinary care and that failure substantially contributed to the loss or that we did not act in good faith. Notwithstanding the above, if you fail to report any problem with your statement including a forgery, unauthorized endorsement, debit, alteration or encoding error within 365 days of when we send your statement or make it available to you the loss will be entirely yours and you can not assert a claim against the bank regardless of whether we exercised ordinary reasonable care with respect to the item paid. OVERDRAFTS. We do not have to let you overdraw the account. If we ever do, that does not mean we must continue to do so. You do not expect any notice of an overdraft beyond any normal periodic statement. CREDIT REPORTS. You authorize us to obtain reports about you periodically from organizations such as consumer reporting agencies, check reporting services, and other credit reporting entities, and to provide them information. INCOMPLETE ITEMS. If an authorized signer signs a check or authorizes any item that is not completed, you will not hold us responsible for paying it as completed by anyone unless we actually know it was completed in an unauthorized way. DISPUTED AUTHORITY. If anyone claims ownership over funds, and we have a good faith doubt about whether to recognize the claim, we can hold some or all of the balance until the claim is resolved. We can pay some or all of the balance into court in an interpleader or other action to determine ownership. You will not claim that we wrongfully dishonored items that were presented to us while such a dispute was pending. OTHER SERVICES. If you want services from us that are not covered by this agreement, you will sign an agreement with us for those services. CASHING YOUR CHECKS. Before we allow a person to cash an item, we can require identification, such as a driver’s license or passport. We can secure further identification by methods such as photography, fingerprinting, and other biometric or technological means. If the person does not provide or permit such identification, we can decline to cash the item and you will not claim that we wrongfully dishonored it.

Schedule of Fees (page 2 of 2) Schedule of Fees (page 2 of 2)

REGULATION CC FUNDS AVAILABILITY DISCLOSURE YOUR ABILITY TO WITHDRAWL FUNDS Our policy is to delay the availability of funds for checks you deposit into your account. During the time period it takes for us to make funds available to you, you may not withdraw the funds in cash and we will not use the funds to pay checks and other items presented for payments or fees and expenses that you have incurred. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Please keep in mind, however, that after we make funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. DETERMINING THE AVAILABILITY OF A DEPOSIT For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before the close of business on a business day that we are open (or before 3:00 p.m. for deposits made at an automated teller machine, and 7 a.m. for deposits at a night depository), we will consider that day to be the day of your deposit. However, if you make a deposit after these hours or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Type of Deposit

When Available

Electronic direct deposits (e.g. social security, payroll)

Day of deposit (Mon-Fri)

Wire transfers

Day of deposit (Mon-Fri)

Cash

Day of deposit (Mon-Fri)

Checks drawn on another account at Sun National Bank

Day of deposit (Mon-Fri)

First $200 of any ATM or next-day check deposit

Day of deposit (Mon-Fri)

U.S. Treasury checks

Next business day (Mon-Fri)

U.S. Postal Service money orders

Next business day (Mon-Fri)

NJ State or NJ local government checks

Next business day (Mon-Fri)

Cashier's, certified, or teller's checks

Next business day (Mon-Fri)

Federal Reserve Bank and Federal Home Loan Bank checks

Next business day (Mon-Fri)

Other checks and non-U.S. Postal Service money orders

Next business day (Mon-Fri)

Deposits made at an ATM owned by Sun National Bank

Next business day (Mon-Fri)

Deposits made at an ATM not owned by Sun National Bank

Fifth business day (after day of deposit)

LONGER DELAYS MAY APPLY For certain types of deposits, Regulation CC permits financial institutions to delay, for a “reasonable period of time,” the availability of funds. In some cases, we may not make all of the funds that you deposit by check available to you on the next business day. Depending on the type of check that you deposit, funds may not be available until the seventh business day after the day of your deposit. The first $200 of your deposits; however, may be available on the day of deposit. If we are not going to make all of the funds from your deposit available based on the above schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• • • • •

We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds to your account from electronic direct deposits, wire transfers, cash, and checks drawn on us will be available on the day we receive the deposit. For funds from deposit of cashier’s, certified, teller’s, traveler’s, US Postal Service money orders and federal, state and local government checks, the first $5,000 of a day’s total deposits will be available on the next business day if the deposit meets certain conditions. For example, the checks must be payable to you and you may have to use a special deposit slip. The excess over $5,000 will be available on the seventh business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. DEPOSITS AT AUTOMATED TELLER MACHINES • • •

Funds from any deposit (cash or checks) made at an automated teller machine (ATM) that we own (proprietary machine) will be available on the next business day. Funds from any deposit (cash or checks) made at an automated teller machine (ATM) that we do not own or operate (non-proprietary machine) will be available on the fifth business day after the day of your deposit. A total of $200 from the deposit will be available on the day of your deposit for proprietary or non-proprietary machines.

HOLDS ON OTHER FUNDS If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT Substitute Checks and Your Rights What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interestbearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at (856)691-7700 or write us at SUN NATIONAL BANK, Deposit Accounting, 226 Landis Ave, Vineland, NJ 08301. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include•

A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);

•

An estimate of the amount of your loss;

•

An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and

•

A copy of the substitute check or the following information to help us identify the substitute check: (identifying information, for example the check number, the name of the person to whom you wrote the check, the amount of the check).

ONLINE BANKING INTERNET DISCLOSURES Terms and Conditions Transfer Authorizations Statement

AUTHORIZATION: By accepting this disclosure, you authorize Sun National Bank to provide summary and detail account information and transfer funds back and forth between your accounts in accordance with the provisions of this authorization. OWNERS: In a joint account, either party, acting alone can access account information and/or cause a transfer to be executed. HONORING OF TRANSFERS: Sun National Bank in its sole discretion may refuse to honor any transfer and will incur no liability to you or anyone else that results from the refusal. Sun National Bank will make a reasonable effort to notify you if it does not honor a transfer request. TERMINATION: This authorization remains in effect until you or Sun National Bank terminates it. A termination by you will not be effective until Sun National Bank has received from you a signed written notice of the termination and Sun National Bank has a reasonable time to act upon it. Sun National Bank will terminate your access after 180 days of non usage. REGULATIONS: This authorization will be subject to all laws, regulations, and rules of the United States, and of the State of New Jersey, and to any changes in them that may in the future become effective. The rules and regulations for the accounts subject to transfer request together with any changes in the rules and regulations that may in the future become effective, also apply. These include the provisions of Regulation D Reserve Requirements of Depository Institutions and Electronic Funds Transfer Act. ACCESS LIMITATIONS: Refer these disclosures for additional limitations regarding transfer activity. You understand that we will not allow more preauthorized transfers than the maximum number specified in the Disclosure of Account. SECURITY: Sun National Bank reserves the right to take any security measures that it believes is necessary without further notice to you. You agree to abide by any security recommendations provided to you by Sun National Bank. AMENDMENT: Sun National Bank may change the terms of the Authorization and add new terms from time to time. Sun National Bank may also change the service charges from time to time. Each of the changes will be binding thirty days after the bank notifies you by mail. CONTINUING EFFECT: If any of the terms of this authorization are determined by a governmental authority to be ineffective, the rest of the terms will continue to be in effect. TRANSFERABILITY: This Authorization is neither transferable nor negotiable.

You agree to these terms when clicking AGREE within the online account opening application.

ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card or code, you can lose no more than $50 if someone used your card or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500.00. Limitation of Liability for Unauthorized VISA Point of Sale Transactions. Tell us AT ONCE if you believe your Sun National Bank Visa Check Card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized Sun National Bank Visa Check Card transactions that take place on the VISA system is zero dollars ($0.00). We may require you to provide a written statement regarding claims of unauthorized Sun National Bank Visa Check Card transactions. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see CONSUMER'S LIABILITY paragraph) only if we determine that you were grossly negligent or fraudulent in the handling of your account or Sun National Bank Visa Check Card. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). CONTACT IN EVENT OF UNAUTHORIZED TRANSFER. If you believe your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you will call 1-800-786-9066 or write SUN NATIONAL BANK, Customer Service Department, 226 Landis Avenue, P O Box 849, Vineland, NJ 08360. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, our business days are Monday, Tuesday, Wednesday, Thursday, and Friday. Federal Holidays are not included. TYPES OF TRANSFERS. You may authorize certain direct deposits to your checking or savings account. You may authorize certain bills and other payments to be deducted from your checking or savings accounts. A merchant may convert your check in payment for merchandise or services into an electronic funds transfer from your account. You may use your card or code to: •

Make deposits to your checking and savings accounts.

•

Pay for purchases at places that have agreed to accept the card or code.

•

Transfer funds between your checking and savings accounts.

•

Withdraw cash from your checking and savings accounts.

•

Pay your bills with merchants you have selected on our bill payment service.

•

Pay bills directly from your checking account in the amounts and on the days you request.

Some of these services may not be available at all terminals.

ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check • •

to pay for purchases pay bills.

LIMITATIONS ON FREQUENCY OF TRANSFERS. • All ATM and point-of-sale transaction limits are per calendar day. See next section. LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS. • Daily ATM Limit: $510.00 - Daily Point of Sale (POS) Limit: $1,000.00 - Combined Daily Limit: $1,510.00 per calendar day. •

For SunRay and SunGold Relationship Customers: Daily ATM Limit: $810.00 - Daily Point of Sale (POS) Limit: $2,500.00 - Combined Daily Limit: $3,310.00 per calendar day.

•

We may limit or refuse to complete a transaction when necessary for security reasons. Unlawful transactions, such as for the purpose of internet gambling will be refused.

FEES. • You will be charged $10.00 per card for the issuance of replacement access cards. •

If you use your card in a foreign country and/or to make a purchase in a foreign currency, you will be charged a currency conversion fee of 2.5% of the transaction amount.

•

If you conduct a transaction involving only U.S. dollars with the ATM/Debit card in a country outside of the United States of America, Puerto Rico or the U.S. Virgin Islands, there will be a transaction fee of 2.5% of the transaction amount that will appear on your monthly statement.

•

If you conduct a transaction involving multiple currencies with the ATM/Debit card in a country outside of the United States of America, Puerto Rico or the U.S. Virgin Islands, there will be a transaction fee of 2.5% of the transaction amount that will appear on your monthly statement.

•

You will be charged $2.00 for each withdrawal or balance inquiry that you make using an automated teller machine not owned by us.

•

Inactive ATM/Visa Check Card (6 months or longer with no activity) will be charged $2.00 per month / per card.

•

FOREIGN CURRENCY CONVERSION - The VISA exchange rate will be selected by VISA from a range available in the wholesale currency markets for the applicable processing date, and may vary from the rate VISA receives. You will be assessed a 2.5% International Transaction Fee on currency conversion.

•

See our schedule of fees for other applicable charges.

CONFIDENTIALITY. We will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers, or • In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant, or • In order to comply with government agency or court orders, or • If you give us written permission.

DOCUMENTATION. Terminal Transfers. You can get a receipt at the time you make any transfer that exceeds $15.00 to or from your account using one of our automated teller machines or point-of-sale terminals. Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company you can call us at 1-800-786-9066 to find out whether the deposit has been made. Periodic Statements. You will get a monthly account statement unless there are no electronic transfers in a particular month. In any case, you will get the statement at least quarterly. You will not receive a periodic statement if your account is a passbook account. Present your passbook and we will record any electronic deposits to your account. PREAUTHORIZED PAYMENTS. Stop Payments. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: call us at 1-800-786-9066 or write us at SUN NATIONAL BANK, 226 Landis Avenue, P O Box 849, Vineland, NJ 08360, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we can also require you to put your request in writing and get it to us within 14 days after your call. We will charge you $33.00 for each stop payment order you give us. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a transfer to or from your account on time, or in the correct amount according to your agreement with us, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: • • • • • •

If, through no fault of ours, you do not have enough money in your account to make the transfer. If the transfer would go over the credit limit on your overdraft line. If the automated teller machine where you are making the transfer does not have enough cash If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. There may be other exceptions stated in your agreement with us.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at 1-800-786-9066 or write us at SUN NATIONAL BANK, 226 Landis Avenue, P O Box 849, Vineland, NJ 08360 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will: • •

Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if VISA Checkcard point-of-sale transaction, and 20 business days if new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if point-of-sale transaction, or new account, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if VISA Checkcard point-of-sale transaction, and 20 business days if new account) for the amount you think is in error, so

that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. EXCHANGE RATE FOR FOREIGN TRANSFERS. If a transfer takes place outside of the United States and is in a foreign currency, Visa or MasterCard will convert the transfer into U.S. dollars by using their own currency conversion procedures. The exchange rate will be determined in one of two ways: (1) the exchange rate will be selected from the range of rates available in the wholesale currency markets for the central processing date (which may be different from the rate received by Visa or MasterCard), or (2) the exchange rate will be a government-mandated rate in effect for the applicable central processing date, plus any adjustment determined by the card issuer and disclosed separately in the fee section of the cardholder agreement. The currency exchange rate used may differ from the rate in effect when your transfer occurred or was posted to your account. ATM and Check Cards will be deactivated after 12 months of inactivity. Bill Payment services will be deactivated after 6 months of inactivity. On-line Banking services will be deactivated after 6 months of inactivity.

E-STATEMENT DISCLOSURES This agreement made between you & Sun National Bank is an addition to the Online Banking Service Agreement previously agreed upon. This agreement specifies that you are requesting to be enrolled in E-Statements through Sun National Bank‘s Online Banking Service. By enrolling in E-Statements, you have requested and Sun National Bank (Bank) has agreed to notify you via the valid email address you provide to the Bank, notice that all of your bank account statements and other information* are electronically available with the Bank‘s Online Banking Service. The Bank will send, electronically to the same email address, a message containing a notice of how to view available information by accessing Bank‘s Online Banking service. By receiving your statement electronically, you acknowledge that you will not receive a hard copy of your bank account statement or any images of your canceled checks. Your electronic bank account statement will provide the check numbers of each check that has cleared the paid amount of each check, and the date of payment posting. If you request a hard copy of either your bank statement or any check referenced in that statement, normal research fees will apply. If you request a copy of a check from the Bank, the Bank will provide a legible copy of the check within a reasonable period of time. You have the ability to view your canceled checks online with Bank‘s Online Banking Service by viewing your transaction history. To access the information on the computer that you use to view the information you must have Microsoft Internet Explorer 5.0 or higher or Netscape 6.1 or higher, and Adobe Acrobat Reader version 5.0 or higher. Cookies and java must be enabled to access our secure site. If you wish to receive a paper copy of a disclosure or other information* that is presented to you electronically, please call 1-800786-9066 or write to Sun National Bank, Attn: Online Banking Center, PO Box 849, Vineland, NJ 08360. Please be as specific as possible regarding the information you are requesting. Statements and notices will only be mailed to the address we have on file. There is no fee to request a paper copy of a regulatory notice or a copy of the changes of fees or terms on your account. If you wish to have a paper copy of a statement or check, normal research fees may apply. In the future if you wish to stop receiving your bank account information electronically, you must notify us in writing at the address listed above. Until that time this agreement will remain in effect until we receive a written request from you to cancel it. By enrolling, you agree to the terms stated above and are able to meet the minimum requirements for printing or retaining the information that is provided to you. You understand that you have a duty to exercise reasonable promptness in examining the electronic statement or the items referenced to determine whether any payment was not authorized because of an alteration of an item or because a purported signature by or on behalf of you or other signatory on the account was not authorized. The statute of limitations governing these responsibilities will commence at the time the email is sent by the Bank to you. You agree to inform us if your email address changes. *By accepting these terms and agreements you agree that other information may be delivered to you electronically at a later date and may include but is not limited to: regulatory disclosures, past due notices, NSF, loan notices, etc. You agree to the above terms & conditions when clicking I AGREE within the online account opening application.

ELECTRONIC BILL PAYMENT AUTHORIZATION If Bill Payment feature was selected during online account opening the following applies: I AUTHORIZE Sun National Bank to post payment transactions generated by PC from the Bill Paying Service to the account indicated on the form being sent electronically. If at any time I decide to discontinue service, I will provide written notification to Sun National Bank, Customer Care Center, 226 Landis Ave., Vineland, NJ 08360. My use of the Bill Paying Service signifies that I have read and agreed to the terms and conditions of this Internet Banking Disclosure and Agreement, provided to me electronically by the Financial Institution. I UNDERSTAND that payments may take up to 5 business days to reach the vendor and that they will be sent either electronically or by check. Sun National Bank is not liable for any service fees or late charges levied against me. I UNDERSTAND that I am responsible for any loss or penalty ($) that I may incur due to the lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account. I UNDERSTAND that Bill Paying is FREE Service to accounts opened online. I UNDERSTAND that charges for Stop Payments and Insufficient Funds transactions will follow the bank‘s fee schedule. These charges will be debited from my checking account.

You agree to these terms when clicking I AGREE within the online account opening application.