Personal Checking

Qualifications: To earn your rewards just do the following transactions and activities in your Twin Oaks Rewards Checking account during each

Monthly Qualification Cycle:

Have at least (1) direct deposit / ACH debit or bill pay transaction post and settle

Have at least (12) debit card purchases post and settle

Be enrolled in and agree to receive e-Statements

Transactions and activities must post and settle to the account during each Monthly Qualification Cycle and may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. “Business Day” means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by CB&T as ATM transactions, non-retail payment transactions and purchases made with non-CB&T issued debit cards. “Statement Cycle” (1st Wednesday of the month) means the period of time for which CB&T provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. “Monthly Qualification Cycle” will follow the same schedule as the Statement Cycle.

Rewards: When Twin Oaks Rewards Checking qualifications are met during a Monthly Qualification Cycle, the accountholder will receive $3.00 cash back on total debit card purchases that post and settle during the cycle period for purchases under $250.00. For total purchases $250.00 and up, the accountholder will receive $7.50 cash back on debit card purchases that post and settle during the cycle period. $7.50 is the maximum reward amount. (2) Reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees, you must contact us within thirty (30) calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. Cash back payments will be credited to the account on the last day of the current statement cycle. ATM fee reimbursement will be credited to the account once qualifications are met and will continue to be credited through the end of the current statement cycle. When Twin Oaks Rewards Checking qualifications are not met, you will not receive cash back on debit card purchases and ATM fees are not refunded. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings.

Additional Information: $100 minimum deposit is required to open the account and no minimum balance is required to obtain the account’s rewards. Monthly receipt of electronic statements is a condition of this account. This account is not to be used for commercial purposes and there is a limit of (1) account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying schedule of Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. electronic statements) may be required to meet some of this account’s qualifications. Contact a CB&T service representative for additional information, details and enrollment instructions. Member FDIC.

Qualifications: To earn your rewards just do the following transactions and activities in your Twin Oaks Growth Checking account during each Monthly Qualification Cycle:

Have at least (1) direct deposit / ACH debit or bill pay transaction post and settle

Have at least (12) debit card purchases post and settle

Be enrolled in and agree to receive e-Statements

Transactions and activities may take one (1) or more Business Days from the date of the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by CB&T as ATM transactions, non-retail payment transactions and purchases made with non-CB&T issued debit cards.”Statement Cycle” (1st Wednesday of the month) means the period of time for which CB&T provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. “Monthly Qualification Cycle” will follow the same schedule as the Statement Cycle.

Rewards: $100 minimum deposit is required to open the account and no minimum balance is required to obtain the account’s rewards. Monthly receipt of electronic statements is a condition(s) of this account. This account is not to be used for commercial purposes and there is a limit of one (1) account(s) per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying schedule of Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. electronic statements), may be required to meet some of this account’s qualifications. Contact a CB&T service representative for additional information, details and enrollment instructions. Member FDIC.

When Twin Oaks Growth Checking qualifications are met during a Monthly Qualification Cycle, (1) an interest rate of 1.9803% will be paid on the portion of your daily balance that is up to $15,000 and the annual percentage yield for this tier is 2.00%. An interest rate of 0.1515% will be paid on the portion of your daily balance that is greater than $15,000 resulting in annual percentage yield for this tier ranging from 2.00% to 0.39%, depending on the account’s balance and (2) you will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees you must contact us within thirty (30) calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When Twin Oaks Growth Checking qualifications are not met, the interest rate paid on the entire balance will be 0.01% with an annual percentage yield of 0.01% and ATM fees are not refunded. Interest will be credited to the account on the last day of the current statement cycle. ATM fee reimbursement will be credited to the account once qualifications are met and will continue to be credited through the end of the current statement cycle.

APY = Annual Percentage Yield. APY calculations are based on an assumed total account balance of $15,000 plus$100,000. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings.

Additional Information: $100 minimum deposit is required to open the account and no minimum balance is required to obtain the account’s rewards. Monthly receipt of electronic statements is a condition(s) of this account. This account is not to be used for commercial purposes and there is a limit of one (1) account(s) per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying schedule of Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. electronic statements), may be required to meet some of this account’s qualifications. Contact a CB&T service representative for additional information, details and enrollment instructions. Member FDIC.