Business Advantage Checking

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. A service charge of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $100.00.

PROCESSING ORDER. All credit transactions are processed first. Debits, or withdrawals, from your account will be processed from the lowest dollar amount to the highest dollar amount. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT.

• No per check charge

• Electronic statements

• 24-hour account access

• Mobile banking access

• Bill pay

• Debit card alerts

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

WEB STATEMENT ENROLLMENT: There will be a $10.00 monthly service charge until web statement enrollment is completed. WEB statement enrollment eliminates the paper bank statement.

You may be subject to the fees, charges, and balance requirements as they change from time to time.