Checking

1. A per check credit for your unused checks and your old ATM or debit card from another financial institution up to $50 will be issued within two business days of receiving them.

2. If a check is submitted or a transaction is made for funds exceeding what is available in the account, the customer is immediately responsible for the amount of any overdraft and applicable fees. It is the obligation of the customer to keep the account in good standing with the Bank and, should an overdraft situation occur, to bring the account to a positive balance immediately without notice or demand from the Bank.

3. Can be waived with enrollment in e-Statements.

4. Monthly cash deposits in excess of $5,000 are prohibited for this product.

1. A per check credit for your unused checks and your old ATM or debit card from another financial institution up to $50 will be issued within two business days of receiving them.

2. If a check is submitted or a transaction is made for funds exceeding what is available in the account, the customer is immediately responsible for the amount of any overdraft and applicable fees. It is the obligation of the customer to keep the account in good standing with the Bank and, should an overdraft situation occur, to bring the account to a positive balance immediately without notice or demand from the Bank.

3. Earnings credit based on average collected balances (less ten percent) for all Business Checking Accounts may reduce or eliminate account and activity fees (excluding overdraft fees). The earnings credit rate and basis for the rate are subject to change without notice.

4. Can be waived with enrollment in e-Statements.

5. Rates are priced on the Prime Rate (Prime) which is published on the last business day of the month in the Wall Street Journal, currently 3.50%; Prime is a variable rate with the maximum annual percentage rate (APR) of 18% and is subject to change without notice.

1. A per check credit for your unused checks and your old ATM or debit card from another financial institution up to $50 will be issued within two business days of receiving them.

2. Earnings credit based on average collected balances (less ten percent) for all Business Checking Accounts may reduce or eliminate account and activity fees (excluding overdraft fees). The earnings credit rate and basis for the rate are subject to change without notice.

3. If a check is submitted or a transaction is made for funds exceeding what is available in the account, the customer is immediately responsible for the amount of any overdraft and applicable fees. It is the obligation of the customer to keep the account in good standing with the Bank and, should an overdraft situation occur, to bring the account to a positive balance immediately without notice or demand from the Bank.

4. Can be waived with enrollment in e-Statements.

5. Rates are priced on the Prime Rate (Prime) which is published on the last business day of the month in the Wall Street Journal, currently 3.50%; Prime is a variable rate with the maximum annual percentage rate (APR) of 18% and is subject to change without notice.

1. A per check credit for your unused checks and your old ATM or debit card from another financial institution up to $50 will be issued within two business days of receiving them.

2. If a check is submitted or a transaction is made for funds exceeding what is available in the account, the customer is immediately responsible for the amount of any overdraft and applicable fees. It is the obligation of the customer to keep the account in good standing with the Bank and, should an overdraft situation occur, to bring the account to a positive balance immediately without notice or demand from the Bank.

3. Can be waived with enrollment in e-Statements.