CHECKING ACCOUNT COMPARISON CHART

CHECKING ACCOUNT COMPARISON CHART

FEATURES AND BENEFITS PINNACLE
CHECKING (NOW) CHARTER
CHECKING (NOW) CHOICE
CHECKING 50 PLUS FREE
SPIRIT CHECKING (NOW)

Free with direct deposit¹

Premium Privileges points awarded at new account opening 300 200 100 100

Interest bearing

Direct deposit Premium Privileges rewards points 75 75 75 75

ATM Surcharge Fee Waivers² all 8 per statement cycle 2 per statement cycle 2 per statement cycle

Amount of Identity Fraud Reimbursement Insurance for checking customers ⁶ $5,000 $5,000 $5,000 $5,000

Free checks for life of account

Free first box of checks³

Unlimited check writing privileges

No per check fees

Free Online Banking

Free Online Bill Pay

Free Telephone Banking

No-Fee Visa Check Card⁴

Open to buy limits⁷ $10,000 $5,000 $2,000 $2,000

REAL TIME Visa® Check Card and ATM card monitoring service for potentially fraud activity

Debit Card Rewards coming this fall

1/4% interest rate bonus on CDs

1/4% interest rate discount on Consumer Loans

Fee-free wire transfers⁵

Fee-free Traveler's Cheques

New mortgage Premium Privileges rewards points 200 200 200 200

New home equity Premium Privileges rewards points 200 200 200 200

Platinum Overdraft limit⁸ $5,000 $2,000 $1,250 $1,250

Courtesy Overdraft fee waiver⁹ 2 per year 1 per year 1 per year 1 per year

Discount on safe deposit box rental fees when automatically debited from a checking or NOW account¹⁰

Complimentary insurance review performed by an insurance professional at Carnall Insurance, Inc.^11*

Complimentary investment plan review performed by a Financial Advisor with Fairfield County Financial Services^{12 *}

Check Safekeeping

Minimum to Open $25,000 $500 $500 $100

Monthly service charge waiver requirements Waived if on the statement service charge calculation date, the average daily balance** of account is $25,000 or more OR cumulative balance in all savings accounts is $50,000 or more OR cumulative balance of all loan accounts is $50,000 or more Waived if on the statement service charge calculation date, the average daily balance** of account is $1,750 or more OR cumulative balance in all savings accounts is $10,000 or more OR cumulative balance of all loan accounts is $25,000 or more Charge waived when the average daily balance** of the account is $500 or with recurring direct deposit of full amount of payroll, pension, social security or other similar benefit. Service charge imposed during any statement cycle in which no direct deposit is credited or average daily balance of the account is less than $500. Charge waived for individuals age 50 or over

Monthly Service Charge Fee if Not Waived $20.00 per cycle $10.00 per cycle $7.50 per cycle

¹Available to new accounts that include direct deposit. Direct deposit is the automatic recurring credit of your payroll, pension, Social Security, or
similar
recurring benefit. A minimum of one payment per statement cycle must be received to waive the monthly service charge.

²An ATM surcharge waiver eliminates your payment of a surcharge imposed by ATM owners and operators other than Fairfield County Bank or
Ridgefield Bank, a division of Fairfield County Bank. Surcharge fees are rebated monthly.

³ First single box order of custom checks free. Value up to $19.50.

⁴You may be assessed fees at ATMs other than those owned and operated by Fairfield County Bank and Ridgefield Bank, a division of Fairfield
County Bank, unless waived as identified in footnote 2 above.

⁵We will provide wire transfer services for both domestic and international wire without charging a fee. In the case of international wires a fee may
be charged by a third party. This fee will be debited from your account during settlement.

⁶$5,000 Identity Theft Insurance ($0 deductible) for individuals with checking or NOW accounts as provided herewith. 24 Hour Victim Resolution
services. Available for Connecticut residents only. Insurance does not cover actual losses but costs up to $5,000 for recovery. Subject to all terms
and conditions of Master Policy.

⁷ Open to buy limits are the amount of signature-based transactions which may be processed against your Visa® Check Card on a single day.

⁸ Platinum Overdraft limit as set forth in our Platinum Overdraft Policy the set amount of overdrafts and fees that may be paid during any one
occurrence, for qualified accounts.

⁹ A courtesy payment of an overdraft without an overdraft charge. Account owner must notify the bank for rebate based on the eligibility set forth in
this schedule.

¹⁰Subject to availability. A discount of 50% of the annual cost will be applied when the annual rental cost is scheduled for automatic deduction
from a Fairfield County Bank or Ridgefield Bank, a division of Fairfield County, account at the time of lease.

¹¹Carnall Insurance, Inc. is a wholly-owned subsidiary of Fairfield County Bank.

¹²Securities offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC.. Infinex and the Bank are not affiliated.

*Investment and Insurance Products:

· Not insured by the FDIC

· Not a deposit or other form of obligation of the Bank

· Not insured by any federal government agency

· Not guaranteed by the Bank

· Subject to investment risk; may go down in value

**The average daily balance is calculated by adding the funds on deposit in the account each day of thestatement cycle and dividing that figure
by the number of days in the statement cycle.


CHECKING ACCOUNT COMPARISON CHART
FEATURES AND BENEFITS	PINNACLE CHECKING (NOW)	CHARTER CHECKING (NOW)	CHOICE CHECKING	50 PLUS FREE SPIRIT CHECKING (NOW)

Free with direct deposit¹
Premium Privileges points awarded at new account opening	300	200	100	100
Interest bearing
Direct deposit Premium Privileges rewards points	75	75	75	75
ATM Surcharge Fee Waivers²	all	8 per statement cycle	2 per statement cycle	2 per statement cycle
Amount of Identity Fraud Reimbursement Insurance for checking customers ⁶	$5,000	$5,000	$5,000	$5,000
Free checks for life of account
Free first box of checks³
Unlimited check writing privileges
No per check fees
Free Online Banking
Free Online Bill Pay
Free Telephone Banking
No-Fee Visa Check Card⁴
Open to buy limits⁷	$10,000	$5,000	$2,000	$2,000
REAL TIME Visa® Check Card and ATM card monitoring service for potentially fraud activity
Debit Card Rewards coming this fall
1/4% interest rate bonus on CDs
1/4% interest rate discount on Consumer Loans
Fee-free wire transfers⁵
Fee-free Traveler's Cheques
New mortgage Premium Privileges rewards points	200	200	200	200
New home equity Premium Privileges rewards points	200	200	200	200
Platinum Overdraft limit⁸	$5,000	$2,000	$1,250	$1,250
Courtesy Overdraft fee waiver⁹	2 per year	1 per year	1 per year	1 per year
Discount on safe deposit box rental fees when automatically debited from a checking or NOW account¹⁰
Complimentary insurance review performed by an insurance professional at Carnall Insurance, Inc.^11*
*Complimentary investment plan review performed by a Financial Advisor with Fairfield County Financial Services^{12 }**
Check Safekeeping
Minimum to Open	$25,000	$500	$500	$100
Monthly service charge waiver requirements	Waived if on the statement service charge calculation date, the average daily balance** of account is $25,000 or more OR cumulative balance in all savings accounts is $50,000 or more OR cumulative balance of all loan accounts is $50,000 or more	Waived if on the statement service charge calculation date, the average daily balance** of account is $1,750 or more OR cumulative balance in all savings accounts is $10,000 or more OR cumulative balance of all loan accounts is $25,000 or more	Charge waived when the average daily balance** of the account is $500 or with recurring direct deposit of full amount of payroll, pension, social security or other similar benefit. Service charge imposed during any statement cycle in which no direct deposit is credited or average daily balance of the account is less than $500.	Charge waived for individuals age 50 or over
Monthly Service Charge Fee if Not Waived	$20.00 per cycle	$10.00 per cycle	$7.50 per cycle