Commercial Terms and Conditions Statement COMMERCIAL CHECKING ACCOUNT The minimum balance required to open the account is $100.00. A maintenance fee of $10.00 will be imposed each statement period. This account is an analyzed account. Your balance will be used to determine an earnings credit each statement period. The earnings credit rate is equal to 90% of the average 3 Month T-Bill rate. If the earnings credit is higher than the total charges to your account you will not be assessed any maintenance or activity fees. If the earnings credit is insufficient to cover the various charges, your account will then be charged a monthly maintenance fee plus activity fees as follows: Checks Paid and Other Debits .15 Deposits Credited .50 Checks Deposited .09 Night Depository (bag cost) 20.00 Cash Deposit Fee (per $100) .30 Currency and CoinStrapped Currency (per $100) Rolled Coin (per roll) Bagged Coin (per bag) .30 .12 2.00 See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts. SMALL BUSINESS CHECKING The minimum balance required to open this account is $100.00. A maintenance fee of $15.00 will be imposed if the average collected balance is below $2,000.00. 75 debits or checks paid on the account each month and 75 items deposited to the account each month will be free. Thereafter, a .15 charge will be assessed for each item. The first $5,000.00 in cash/coin transactions each month is provided at no charge. Cash/Coin transactions in excess of $5,000.00 will be charged as follows: Strapped Currency (per $100) .30 Rolled Coin (per roll) .12 Bagged Coin (per bag) 2.00 See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts. COMMERCIAL NOW ACCOUNT The minimum balance required to open this account is $100.00. Sole proprietorships, non-profit organizations and certain pension and escrow accounts may have a commercial NOW account. Federal regulations prohibit banks from offering this account to partnerships, corporations and professional associations.If an average collected balance of $3,000.00 is maintained in the account each month, no maintenance or activity fees will be charged to the account. Otherwise, a maintenance fee of $10.00 will be imposed each statement period plus activity fee as follows: Checks Paid and Other Debits .15 Deposits Credited .50 Checks Deposited .09 Night Depository (bag cost) 20.00 Cash Deposit Fee (per $100) .30 Currency and CoinStrapped Currency (per $100) Rolled Coin (per roll) Bagged Coin (per bag) .30 .12 2.00 See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts. COMMERCIAL MONEY MARKET ACCOUNT The minimum balance required to open the account is $100.00A maintenance fee of $5.00 will be imposed each statement period if the daily collected balance falls below $1000.00. There is also a $5.00 charge for checks and withdrawals in excess of the legal limit described below. If the account is used as high volume deposit account, the deposit activity fees as described in the Commercial General Fee Schedule may also apply. Money in your account will earn our Commercial Money Market rate. The interest rate is variable and my change at any time at our discretion. Interest is credited to the account and compounded monthly. Federal regulations allow unlimited withdrawals at teller windows and by mail. However, you may make only six wire transfers, telephone transfers or automatic transfers from your account or to third parties during any monthly statement period. No more than three of these transfers may be made by check to third parties. See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts. COMMERCIAL SAVINGS The minimum balance required to open this account is $100.00A maintenance fee of $5.00 will be imposed if the daily balance in your account falls below $200.00. You may make three withdrawals or internal transfers from this account per quarter. Debit transactions in excess of three will be charged $2.00 each.Money in your account will earn our Commercial Savings rate. The interest rate is variable and may change at any time at our discretion. Interest is credited to the account and compounded monthly. See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts. IOLTA ACCOUNT The minimum balance required to open this account is $100.00. A maintenance fee of $15.00 will be imposed each statement period. Checks Paid and Other Debits .15 Deposits Credited .50 Checks Deposited .09 Night Depository (bag cost) 20.00 Cash Deposit Fee (per $100) .30 Currency and CoinStrapped Currency (per $100) Rolled Coin (per roll) Bagged Coin (per bag) .30 .12 2.00 See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts. Interest is paid on the daily collected balance in your account at our IOLTA rate. The interest rate is variable and may change at any time at our discretion. Interest is credited to the account and compounded monthly.