Truth in Savings Disclosure

PLATINUM INTEREST CHECKING

• You must deposit $50.00 to open this account.
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.
• Interest will begin to accrue on the business day you deposit noncash items (example, checks).
• The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Refer to the following Deposit Rate sheet for the interest rate and Annual Percentage Yield (APY) for each tier.
• Interest is compounded daily and will credit to the account monthly.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• A “maintenance service charge” of $6.00 will be imposed every month if the balance in the account falls below $1,500.00 any day of the month

FABULOUS 50 INTEREST CHECKING

• You must deposit $50.00 to open this account.
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.
• Interest will begin to accrue on the business day you deposit noncash items (example, checks).
• The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Refer to the following Deposit Rate sheet for the interest rate and Annual Percentage Yield (APY) for each tier.
• Interest is compounded daily and will credit to the account monthly.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day

BENEFITS CHECKING

• You must deposit $50.00 to open this account.
• A “Maintenance service charge” fee of $6.95 will be imposed each month for the following services:
  • Cell phone protection
  • CyberScout^® Identity Theft Resolution
  • Roadside Assistance
  • Accidental Death and Dismemberment Insurance and
  • Shopping, Travel & Entertainment Discounts

(These benefits are not automatic; you are responsible to sign up for these benefits. If you need assistance with signing up for these benefits, please contact us.)

ABSOLUTELY FREE CHECKING

• You must deposit $50.00 to open this account.

CHRISTMAS CLUB

• Southern Hills Community Bank offers a variety of Christmas Clubs. (weekly deposits of $5.00, $10.00, $20.00, $30.00, $40.00 or $50.00)
• Balance required to open the account:
  • $5.00 Christmas Club, you must deposit $5.00 to open the account.
  • $10.00 Christmas Club, you must deposit $10.00 to open the account.
  • $20.00 Christmas Club, you must deposit $20.00 to open the account.
  • $30.00 Christmas Club, you must deposit $30.00 to open the account.
  • $40.00 Christmas Club, you must deposit $40.00 to open the account.
  • $50.00 Christmas Club, you must deposit $50.00 to open the account.
• You may not make any withdrawals from the account prior to October 31st in the current year or the account will be closed and you will not receive the “Bonus.”
• A bonus will be paid on October 31st in the current year if you deposit the amount as follows:
  • $5.00 Christmas Club, you must have a balance of $250.00 by the end of the 50-week period to receive $5.00 bonus.
  • $10.00 Christmas Club, you must have a balance of $500.00 by the end of the 50-week period to receive $10.00 bonus.
  • $20.00 Christmas Club, you must have a balance of $1,000.00 by the end of the 50-week period to receive $20.00 bonus.
  • $30.00 Christmas Club, you must have a balance of $1,500.00 by the end of the 50-week period to receive $30.00 bonus.
  • $40.00 Christmas Club, you must have a balance of $2,000.00 by the end of the 50-week period to receive $40.00 bonus.
  • $50.00 Christmas Club, you must have a balance of $2,500.00 by the end of the 50-week period to receive $50.00 bonus.

STATEMENT SAVINGS

• You must deposit $50.00 to open this account.
• You must maintain a $100.00 balance in the account each day to obtain the disclosed Annual Percentage Yield (APY)
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.
• Interest will begin to accrue on the business day you deposit noncash items (example, checks).
• Refer to the following Deposit Rate sheet for the interest rate and Annual Percentage Yield (APY)
• Interest is compounded daily and will credit to the account quarterly.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• During any calendar month you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order of instructions, computer transfer, or by check, draft, debit card or similar order to a third party.

STATEMENT MONEY MARKET FUND

• You must maintain a $100.00 balance in the account each day to obtain the disclosed Annual Percentage Yield (APY)
• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.
• Interest will begin to accrue on the business day you deposit noncash items (example, checks).
• The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Refer to the following Deposit Rate sheet for the interest rate and Annual Percentage Yield (APY) for each tier.
• Interest is compounded daily and will credit to the account monthly.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• During any calendar month you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order of instructions, computer transfer, or by check, draft, debit card or similar order to a third party.

LIMITS AND FEES

The following fees and limits commonly apply to accounts and transactions.

ATM/Debit Card or PI N replacement $10.00
ATM/Debit Card Withdrawal Limitations – per card per day $400.00
Debit Card Point of Sale Limitations – per card per day $2,000.00 Check Printing: Fee depends on the number and style of checks ordered
Insufficient Funds/Return Items (Including ACH return items) $33.00
Overdraft $33.00
Overdraft Protection Transfers $5.00
Returned Deposit Items (per item) $10.00
A Returned Deposit Item or an Overdraft may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
Stop Payment (including ACH) $33.00
Official Check (each) $5.00
Copy of Check (each) $1.00
Copies (per page) $0.25
Fax (per page) $2.00
Copy of Statement or Interim Statement $2.00
Account Research/Reconciliation ($5.00 Minimum) $20.00/HR
Early Closing Fee (closed within 90 day of account opening) $20.00
Domestic Wire Transfer – Incoming $15.00
Domestic Wire Transfer – Outgoing $25.00
Garnishments $35.00
Dormant Account Charge if no over the counter activity for previous 12 months $5.00 (Activity does not include ACH transactions or interest posting)
Foreign Check Item Processing (per item) $30.00

Note: foreign check items are sent for collection at prevailing rates and fees.

FUNDS AVAILABILITY

This policy statement applies to "transaction" accounts (i.e. checking accounts). Savings accounts and Money Market accounts are not subject to Funds Availability.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made 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.

For determining the availability of your deposits, every day is a business day, except Saturday, Sundays and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply

Case-By-Case Delays- In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, 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.

Safeguard Exceptions - 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 $5,525 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 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 from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit, 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 $5,525 will be available on the ninth business day after the day of your deposit. lf your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
Funds from alt other check deposits will be available on the seventh business day after the day of your deposit.

ELECTRONIC FUNDS TRANSFER

This disclosure lists the types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. This disclosure tells you your rights and obligations for the transactions listed. You should read it carefully and keep it for future reference.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payments may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payment networks. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

Preauthorized credits. You may make-arrangements for certain direct deposits to be accepted into your checking or savings account(s).

Preauthorized payments. You may make-arrangements to pay certain recurring bills from your checking or savings account(s).

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 or pay bills.

Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Voice Access Transactions - types of transfers. You may access your account by telephone at 1-888-476-6574 twenty- four (24) hours a day using your personal identification number, a touch tone phone, and your account numbers, to:

• transfer funds from checking/savings accounts to checking/savings/Christmas Club accounts
• make payments from checking/savings accounts to loans with us
• get balance information about checking, savings, certificate of deposits, Christmas Club and loan accounts
• get transaction history about checking, savings, certificate of deposits, and loan accounts

ATM Card Transactions - types of transfers and dollar limitations. You may access your account(s) by ATM using your ATM card and personal identification (PIN) number to

• transfer funds from checking/savings accounts to checking/savings/Christmas Club accounts
• get cash withdrawals up to $400 per day from your checking or savings accounts
• get balance information about checking and savings accounts

Debit Card Transactions - types of transfers and dollar limitations - You may access your account(s) by ATM using your Debit card and personal identification number (PIN) to:

• transfer funds from checking/savings accounts to checking/savings/Christmas Club accounts
• get cash withdrawals up to $400 per day from your checking or savings accounts
• get balance information about checking and savings accounts.
• Some of these services may not be available at all terminals

Types of Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online or by phone), pay for services (in person, online or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions - dollar limitations - Using your card, you may not exceed $2,000.00 in transactions per day.

Internet Banking Transactions - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at www.southernhillscommunitybank.bank and using your user identification, a password, and multifactor authentication, to:

• transfer funds from checking/savings accounts to checking/savings/Christmas Club accounts
• make payments from checking/savings accounts to loans with us
• get balance information about checking, savings, certificate of deposits, Christmas Club and loan accounts
• get transaction history about checking, savings, certificate of deposits, and loan accounts

Mobile Banking Transactions - types of transfers and dollar limitations - You may access your account(s) by your mobile device through our mobile app(s) and by using your user identification, a password, and multifactor authentication, to:

• transfer funds from checking/savings accounts to checking/savings/Christmas Club accounts
• make payments from checking/savings accounts to loans with us
• get balance information about checking, savings, certificate of deposits, Christmas Club and loan accounts get transaction history about checking, savings, certificate of deposits, and loan accounts

Bill Payment Transactions - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at www.southernhillscommunitybank.bank or with your mobile device through our mobile app(s) along with using your user identification, a password, and multifactor authentication, to:

• make payments from checking accounts to third parties (bill payment)

The number for our 24/7 Call Center for Internet Banking, Mobile Banking and Bill Payment is 866-987-8312.

LIMITS AND FEES:

• We do not charge for direct deposits to any type of consumer account.
• We do not charge for preauthorized payments from any type of consumer account
• Except as otherwise disclosed in this disclosure or our separate schedule of fees disclosure, as updated from time to time, we do not charge a fee for these electronic fund’s transfers.

ATM Operator/Network Fees. 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 funds transfer).

Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Statement Savings/Statement Money Market Fund accounts:

• During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to third parties by means of preauthorized or automatic transfer or telephone order or instruction, or by check, draft. ATM/Debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the Bank.

CURRENCY CONVERSION AND INTERNATIONAL TRANSACTIONS.

For point-of-sale (merchant) transactions using Visa network and ATM transactions using STAR, PULSE networks. When you use your Debit Card for this type of transaction and it settles in a currency other than US Dollar the charge will be converted into the US Dollar amount. The currency conversion rate used to determine the transaction amount in US Dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government- mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

(a) For ATM transactions using CIRRUS network. When you use your Debit Card for this type of transaction and it settles in a currency other than US Dollars, Mastercard/Cirrus will convert the charge into a US Dollar amount. The Mastercard/Cirrus currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard/Cirrus. The exchange rate Mastercard/Cirrus uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

DOCUMENTATION

Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.

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 (937) 780-2431 or (888) 898-9839 to find out whether or not the deposit has been made.

Periodic statements. You will get a monthly account statement from us for your checking and statement money market savings accounts. You will get a monthly account statement from us for your Statement Savings account, unless there are no transfers in a particular month, in any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. 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 or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.

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 3 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

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

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

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

1. where it is necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency or court orders; or
4. If you give us written permission

UNAUTHORIZED TRANSFERS

(a) Consumer liability.
Generally. Tell us AT ONCE if you believe your card and/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 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 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, 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 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.

Additional Limit on Liability for MasterMoney™ Debit Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen MasterMoney™ Debit Card if: (1) you can demonstrate that you have exercised reasonable care in safeguarding your card from loss or theft, and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to us.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, 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.

1. Tell us your name and account number (if any).
2. 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.
3. 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 for MasterMoney™ Debit Card point- of-sale transactions processed by CIRRUS and 20 business days if the transfer involved a 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 the transfer involved a new account, a point-of-sale transaction, 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 for MasterMoney™ Debit Card point-of-sale transactions processed by CIRRUS and 20 business days if the transfer involved a 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, or that a different error occurred, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

If you have inquiries about your account, please contact us at:

Southern Hills Community Bank, 45 East Main Street, P.O. Box 345, Leesburg, Ohio 45135
Phone: (937) 780-2431 or (888) 898-9839

BUSINESS DAYS: Monday through Saturday (Leesburg and Lynchburg offices closed Wednesday). Excluding Federal Holidays. Drive up services are available at 8:30 a.m. each day each office is open