# Business Truth in Savings Information

### TRUTH-IN-SAVINGS-DISCLOSURE

#### Small Business Checking Account

**Minimum balance to open the account – **You must deposit at least $3,000.00 to open this account.

**Minimum balance to void the imposition of fees – **A
maintenance fee of $20.00 will be imposed every monthly statement cycle
if the average daily balance for the period falls below $3,000.00. The
period that we use is statement cycle.

**Fees – **A per item fee of $0.35 will be imposed for combined debit/credit items over 100.

#### Business Internet Checking Account

**Rate information –** The interest rate and annual percentage yield may change.

**Frequency of rate changes – **We may change the interest rate on your account at any time.

**Determination of rate –**
At our discretion, we may change the interest rate on your account. We
will not decrease this rate unless we first give you at least 30 days
notice in writing.

**Compounding and crediting frequency –** Interest will be compounded daily. Interest will be credited monthly at statement cycle date.

**Effect of closing an account –** If you close your account before interest is credited; you will receive the accrued interest.

**Minimum balance to open the account –** You must deposit at least $5,000.00 to open this account.

**Minimum balance to avoid the imposition of fees –**
A maintenance fee of $20.00 will be imposed every statement cycle if
the average daily balance for the period falls below $5,000.00. The
average daily balance is calculated by adding the principal in the
account each day of the period and dividing that figure by the number of
days in that period. The period we use is statement cycle.

**Daily balance computation method –**
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. The period we use is statement cycle.

**Accrual of interest on noncash deposits –**
Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Withdrawal of interest –**
We reserve the right to at any time require not less than 7 days notice
in writing before any withdrawal from an interest bearing account.

#### IOTA Checking Account

**Rate information** – The interest rate and annual percentage yield may change.

**Frequency of rate changes** – We may change the interest rate on your account at any time.

**Determination of rate**
– At our discretion, we may change the interest rate on your account.
We will not decrease this rate unless we first give you at least 30 days
notice in writing.

**Compounding and crediting frequency** – Interest will be compounded daily. Interest will be credited monthly.

**Effect of closing an account **– If you close your account before interest is credited; you will receive the accrued interest.

**Minimum balance to open the account** – You must deposit at least $10,000.00 to open this account.

**Minimum balance to avoid the imposition of fees**
–A maintenance fee of $35.00 will be imposed every quarterly statement
cycle if the average daily balance for the period falls below
$10,000.00. The average daily balance is calculated by adding the
principal in the account each day of the period and dividing that figure
by the number of days in that period. The period we use is statement
cycle.

**Fees **– The following per item fees apply:

- A per item fee of $0.25 will be imposed for each check/debit item posted to the account.
- A per item fee of $0.75 will be imposed for each deposit/credit item posted to the account.
- A per item fee of $0.20 will be imposed for each deposited item to the account.

**Daily balance computation method**
–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. The period we use is statement cycle.

**Accrual of interest on noncash deposits **–
Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Withdrawal of interest**
–We reserve the right to at any time require not less than 7 days
notice in writing before any withdrawal from an interest bearing
account.

#### Commercial Checking Account

**Rate information** – The interest rate and annual percentage yield may change.

**Frequency of rate changes** – We may change the interest rate on your account at any time.

**Determination of rate **– At our discretion, we may change the interest rate on your account.

**Compounding and crediting frequency** – Interest will be compounded daily. Interest will be credited monthly.

**Effect of closing an account **– If you close your account before interest is credited; you will receive the accrued interest.

**Minimum balance to open the account** – You must deposit at least $5,000.00 to open this account.

**Minimum balance to avoid the imposition of fees**
– A maintenance fee of $20.00 will be imposed every monthly statement
cycle if the average daily balance for the period falls below
$5,000.00. The average daily balance is calculated by adding the
principal in the account each day of the period and dividing that figure
by the number of days in that period. The period we use is statement
cycle.

**Fees** – The following per item fee applies:

- A per item fee of $0.25 will be imposed for each check/debit item posted to the account.
- A per item fee of $0.75 will be imposed for each deposit/credit item posted to the account.
- A per item fee of $0.20 will be imposed for each deposited item to the account.
- A per item fee of $0.10 will be imposed for each strap of currency.
- A per item fee of $0.10 will be imposed for every $100.00 of currency
- A per item fee of $0.10 will be imposed for each roll of coin.
- A per item fee of $0.10 will be imposed for every $100.00 of rolled coin

**Daily balance computation method **–
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. The period we use is statement cycle.

**Accrual of interest on noncash deposits**
– Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Withdrawal of interest **–
We reserve the right to at any time require not less than 7 days notice
in writing before any withdrawal from an interest bearing account.

**Earnings allowance**
– An earnings allowance computed using the positive average collected
balance, less 10% reserve requirement, is used to offset analysis
activity charges each month. This allowance is based in current market
rates and is subject to change. The interest accrued on this account is
regarded as the earnings allowance.

#### Business Money Market Account

**Rate information** –
**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.

**Frequency of rate changes** – We may change the interest rate on your account at any time.

**Determination of rate **– At our discretion, we may change the interest rate on your account.

**Compounding and crediting frequency** – Interest will be compounded daily. Interest will be credited monthly.

**Effect of closing an account** – If you close your account before interest is credited; you will receive the accrued interest.

**Minimum balance to open the account** – You must deposit at least $10,000.00 to open this account.

**Minimum balance to avoid the imposition of fees**
– A maintenance fee of $25.00 will be imposed every monthly statement
cycle if the average daily balance for the period falls below
$10,000.00. The average daily balance is calculated by adding the
principal in the account each day of the period and dividing that figure
by the number of days in that period. The period we use is statement
cycle.

**Transaction limitations & fees **– An excessive
debit fee of $15.00 will be imposed for each debit over six transactions
(withdrawal, check paid, automatic transfer or payment out of your
account). Transfers from a Business Money Market account to another
account or to third parties by preauthorized, automatic, telephone or
computer transfer or by check, draft, debit card or similar order to
third parties are limited to six per statement cycle.

**Daily balance computation method**
– 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. The period we use is statement cycle.

**Accrual of interest on noncash deposits**
– Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Withdrawal of interest **–
We reserve the right to at any time require not less than 7 days notice
in writing before any withdrawal from an interest bearing account.

#### Public Funds Checking Accounts

**Minimum balance to open the account** – You must deposit at least $3,000.00 to open this account.

**Minimum balance to avoid the imposition of fees**
– A maintenance fee of $20.00 will be imposed every monthly statement
cycle if the average daily balance for the period falls below
$3,000.00. The average daily balance is calculated by adding the
principal in the account for each day of the period and dividing that
figure by the number of days in the period. The period we use is
statement cycle.

**Transaction limitations and fees** – A per item fee of $0.35 will be imposed for combined debit/credit items over 100 transactions.

#### Certificate of Deposit

(7 - 89 Days)

**Rate information** – You will be paid the disclosed rate until maturity.

**Compounding and crediting** –Interest will be compounded daily. Interest will be credited monthly.

**Minimum balance to open the account **– You must deposit at least $10,000.00 to open this account.

**Daily balance computation method **–
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.

**Accrual of interest on noncash deposits**
– Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Additions to account** – You may not make any deposits into your account until maturity.

**Transaction limitations **– You can withdraw interest once it has been credited.

**Early withdrawal penalties**
– A penalty may be imposed for withdrawals before maturity. The
penalty will be an amount equal to all interest on the amounts
withdrawn. The interest rate we will use to calculate the interest
forfeiture will be based on a simple interest calculation using a 360
day basis. In certain circumstances such as death or incompetence of an
owner of this account, the law permits, or in some cases requires, the
waiver of the early withdrawal penalty. Other exceptions may also
apply.

**Withdrawal of interest prior to maturity **– The
annual percentage yield assumes that interest remains on deposit until
maturity. A withdrawal of interest will reduce earnings.

**Effect on closing an account **– If you close your account before interest is credited; you will receive the accrued interest.

**Renewal policy and terms**
– This account will automatically renew at maturity. You will have ten
(two if maturity is 7-30 days) days after the maturity date to withdraw
funds without penalty. Each renewal term will be the same as the
original term, beginning on the maturity date. Interest will be
calculated on the same basis as during the original term.

**Exceptions to the automatic renewal**
– The account will not automatically renew if you withdraw the funds on
the maturity date or if we receive written notice from you on or before
the maturity date of your intention not to renew.

#### Certificate of Deposit

(90 - 364 Days)

**Rate information** – You will be paid the disclosed rate until maturity.

**Compounding and crediting** –Interest will be compounded daily. Interest will be credited monthly.

**Minimum balance to open the account** – You must deposit at least $10,000.00 to open this account.

**Daily balance computation method**
– 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.

**Accrual of interest on noncash deposits**
– Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Additions to account** – You may not make any deposits into your account until maturity.

**Transaction limitations** – You can withdraw interest once it has been credited.

**Early withdrawal penalties **–
A penalty may be imposed for withdrawals before maturity. The penalty
will be an amount equal to 90 days’ interest on amount withdrawn. The
interest rate we will use to calculate the interest forfeiture will be
based on a simple interest calculation using a 365 day basis. In
certain circumstances such as death or incompetence of an owner of this
account, the law permits, or in some cases requires, the waiver of the
early withdrawal penalty. Other exceptions may also apply.

**Withdrawal of interest prior to maturity **–
The annual percentage yield assumes that interest remains on deposit
until maturity. A withdrawal of interest will reduce earnings.

**Effect on closing an account** – If you close your account before interest is credited; you will receive the accrued interest.

**Renewal policy and terms **–
This account will automatically renew at maturity. You will have ten
days after the maturity date to withdraw funds without penalty. Each
renewal term will be the same as the original term, beginning on the
maturity date. Interest will be calculated on the same basis as during
the original term.

**Exceptions to the automatic renewal **–
The account will not automatically renew if you withdraw the funds on
the maturity date or if we receive written notice from you on or before
the maturity date of your intention not to renew.

#### Certificate of Deposit

(12 - 23 Months)

**Rate information** – You will be paid the disclosed rate until maturity.

**Compounding and crediting** –Interest will be compounded daily. Interest will be credited monthly.

**Minimum balance to open the account** – You must deposit at least $10,000.00 to open this account.

**Daily balance computation method **–
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.

**Accrual of interest on noncash deposits **–
Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Additions to account** – You may not make any deposits into your account until maturity.

**Transaction limitations** – You can withdraw interest once it has been credited.

**Early withdrawal penalties**
– A penalty may be imposed for withdrawals before maturity. The
penalty will be an amount equal to 180 days’ interest on amount
withdrawn. The interest rate we will use to calculate the interest
forfeiture will be based on a simple interest calculation using a 365
day basis. In certain circumstances such as death or incompetence of an
owner of this account, the law permits, or in some cases requires, the
waiver of the early withdrawal penalty. Other exceptions may also
apply.

**Withdrawal of interest prior to maturity **– The
annual percentage yield assumes that interest remains on deposit until
maturity. A withdrawal of interest will reduce earnings.

**Effect on closing an account **– If you close your account before interest is credited; you will receive the accrued interest.

**Renewal policy and terms **–
This account will automatically renew at maturity. You will have ten
days after the maturity date to withdraw funds without penalty. Each
renewal term will be the same as the original term, beginning on the
maturity date. Interest will be calculated on the same basis as during
the original term.

**Exceptions to the automatic renewal** –
The account will not automatically renew if you withdraw the funds on
the maturity date or if we receive written notice from you on or before
the maturity date of your intention not to renew.

#### Certificate of Deposit

(24 - 60 Months)

**Rate information **– You will be paid the disclosed rate until maturity.

**Compounding and crediting** –Interest will be compounded daily. Interest will be credited monthly.

**Minimum balance to open the account **– You must deposit at least $10,000.00 to open this account.

**Daily balance computation method**
– 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.

**Accrual of interest on noncash deposits**
– Interest begins to accrue no later than the business day we receive
credit for the deposit of noncash items (for example, checks).

**Additions to account** – You may not make any deposits into your account until maturity.

**Transaction limitations **– You can withdraw interest once it has been credited.

**Early withdrawal penalties**
– A penalty may be imposed for withdrawals before maturity. The
penalty will be an amount equal to 9 months’ interest on amount
withdrawn. The interest rate we will use to calculate the interest
forfeiture will be based on a simple interest calculation using a 365
day basis. In certain circumstances such as death or incompetence of an
owner of this account, the law permits, or in some cases requires, the
waiver of the early withdrawal penalty. Other exceptions may also
apply.

**Withdrawal of interest prior to maturity** – The
annual percentage yield assumes that interest remains on deposit until
maturity. A withdrawal of interest will reduce earnings.

**Effect on closing an account** – If you close your account before interest is credited; you will receive the accrued interest.

**Renewal policy and terms**
– This account will automatically renew at maturity. You will have ten
days after the maturity date to withdraw funds without penalty. Each
renewal term will be the same as the original term, beginning on the
maturity date. Interest will be calculated on the same basis as during
the original term.

**Exceptions to the automatic renewal** –
The account will not automatically renew if you withdraw the funds on
the maturity date or if we receive written notice from you on or before
the maturity date of your intention not to renew.

*The tiers for the NonProfit Checking Account are:

$0 - $9,999

$10,000 - $49,999

$50,000 - $149,999

$150,000 - $299,999

$300,000 - $499,999

$500,000 - $749,999

$750,000 - $999,999

$1,000,000 +

**The tiers for the Money Market Account are:

$0 - $99,999

$100,000 - $199,999

$200,000 - $299,999

$300,000 - $399,999

$400,000 - $499,999

$500,000 +