Personal Checking

CLOVER CHECKING - Positively Free Checking Basic banking services absolutely free! $50 Opening Deposit No Minimum Balance No Monthly Activity Service Charge Pays interest on balances of $1000 and over

CLOVER CLASSIC - Classic Banking for a Classic Generation After years of careful planning and saving, you deserve special privileges and maximum value, plus interest on balance of $1,000 and over (no interest paid if balance falls below $1,000) For customers 50 and older. $50 Opening Deposit Free Clover Classic Checks & Cover Free Cashiers and Travelers Checks $10 off Safe Deposit Box Rent Free Personal Savings Account

CLOVER GOLD - Premier Interest on Checking If you're looking for higher liquidity, competitive interest and a complete package of free benefits, Clover Gold gives you maximum value. $50 Opening Deposit Free Clover Gold Checks & Cover $20 off Safe Deposit Box Rent .25% off consumer Loan Rate Free Stop Payments Free Cashiers and Travelers Checks Three ways to avoid the $15 Activity Service Charge Maintain $2,500 minimum daily balance Maintain a combined balance with other deposit accounts you own of $10,000 or more Maintain a Loan or Credit line Balance of $10,000 or more

* © 2010 Community Bank of Manatee. This offer will be for new and existing customers. Offer expires 12/31/10 but may be canceled at anytime. $500 minimum opening balance requirement. New money only. Limit one time offer per household. Offer not available to businesses and organizations. Bonus will be reported as interest on IRS form 1099-int. Account holder is responsible for any applicable taxes. The Annual Percentage Yield (APY) is variable on any checking or savings account opened and is subject to change without notice. Fees could reduce earnings. Checking or savings account must remain open for a minimum of six months or there is a $70 fee that will be debited from the account at closing.