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Personal Terms and Conditions Statement

FREE CHECKING WITH INTEREST

The minimum balance required to open the account is $100.00. There is no monthly maintenance fee.

You will receive a monthly account statement. Your interest rate and annual percentage yield may change.Interest will be compounded and credited to your account each month. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks.) If you close your account before interest is credited, you may not receive the accrued interest. At our discretion, we may change the interest rate on your account at any time.

See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.

CHOICE CHECKING ACCOUNT

The minimum balance required to open this account is $100.00. A maintenance fee of $8.00 will be imposed each statement period. The maintenance fees entitles you to unlimited transactions each month. See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.

GOLD INTEREST ACCOUNT

The minimum balance required to open the account is $100.00. For individuals 50 years of age and older. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be paid on collected balance, compounded and credited to your account each month. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.

THE MAX! RELATIONSHIP CHECKING

The minimum balance required to open the account is $100.00. A maintenance fee of $25.00 will be imposed to The Max Relationship Checking each statement period unless you maintain a total relationship balance of $15,000 or a minimum daily balance of $5,000 in The Max Relationship checking account. With this package you will receive The Max! Relationship Checking with no monthly maintenance fees if the required total combined relationship is maintained, a free savings account, free “package” checks or a discount towards the purchase of customer selected checks, a small safe deposit box at no cost, free travelers and official checks, waiver of foreign ATM fees (not terminal fees,) and an additional 0.25% APR on a new or existing certificate of deposit at renewal.

At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credited to your account each month. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks.) You will receive a monthly account statement. If you close your account before interest is credited, you may not receive the accrued interest.

See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.

PERSONAL SAVINGS ACCOUNT

The minimum balance required to open this account is $100.00. A maintenance fee of $6.00 will be imposed each quarterly statement period if the balance of your account falls below $100.00 on any day during the statement period. This fee will be waived for account holders 18 years of age or less. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be paid on collected balance, compounded and credited to your account each quarter. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).Over-the-counter withdrawals or other transfers from a Personal Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per quarterly statement period.A per item fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during the quarterly statement period.See the Personal General Fee Schedule for other general activity fees that apply to al personal accounts.

MOOLA MOOLA SAVINGS ACCOUNT

The minimum balance required to open the account is $25.00. There is no maintenance fee.The maximum age allowed for this account is 12 years. At our discretion, we may change the interest rate on your account at any time. Interest will accrue daily and be credited to your account quarterly. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks).

If you close your account before interest is credited, you may not receive the accrued interest.

A per item fee of $2.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of three during the quarterly statement period. Transfers, withdrawals, or any combination thereof from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per statement period with no more than three by draft, debit card, or similar order to third parties. Any additional debits will be considered excessive.You will receive a monthly account statement unless there are no transfers in a particular month. In any case you will receive the statement at least quarterly.

See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.

PERSONAL MONEY MARKET ACCOUNT

The minimum balance required to open this account is $100.00. A maintenance fee of $6.00 will be imposed every statement period unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily balance of $2,500.00 for the monthly statement period. 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 imposition of fees will reduce the earnings on this account.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be paid on collected balance, compounded and credited to your account each month. 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. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transfers from a Personal Money Market account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement period with no more than three by check, draft, debit card or similar order to third parties.

A per debit fee of $5.00 will be charged for each check paid to third parties in excess of three during a statement period. If you repeatedly exceed three checks per monthly statement period, we may close your account. See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.

Personal Banking General Fees
  1. Fees for traveler’s checks and joint traveler’s are subject to change. Inquire for current pricing.
  2. An account is dormant if no deposits or withdrawals to the account are made for 12 months (60 months for Savings Accounts).
  3. An NSF item/overdraft may be created by check, in-person withdrawal, or other electronic means.
Replace ATM Card $5.00 (after 2nd card)
Official Checks $6.00
Traveler’s Checks1 1.5% of face and 2.5% for Gift Check
Dormant Account Fee2 $60.00
Nonsufficient/Overdraft Fee (each debit or check paid)3 $28.00
Account Activity Printout $5.00
Account Research $15.00 per hour/2.50 a copy
Account Balancing Assistance $15.00 per hour
Stop Payment (each) $28.00
Account Closed Within 90 Days of Opening $15.00
Wire Transfer – Outgoing $15.00
Wire Transfer – Non-customers $30.00
Wire Transfer – International $25.00
Collection Item – Outgoing $15.00
Collection Item – Incoming $15.00
Collection Item – Site Draft $25.00
Telephone Transfer $3.00
Notary Service – Non-customer (per signature) $5.00

Commercial Terms and Conditions Statement

BUSINESS 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

See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts.

CHOICE 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. 150 debits or checks paid on the account or deposited 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:

Currency and Coin
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.

BUSINESS INTEREST CHECKING

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 Business Interest 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

See the Commercial General Fee Schedule for other general activity fees that apply to all commercial accounts.

BUSINESS MONEY MARKET ACCOUNT

The minimum balance required to open the account is $100.00. A maintenance fee of $6.00 will be imposed each statement period if the daily collected balance falls below $1000.00 or $2500.00 average daily balance. 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 Business Money Market rate. The interest rate is variable and my change at any time at our discretion. Interest is paid on collected balance and 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.

BUSINESS SAVINGS

The minimum balance required to open this account is $100.00. A maintenance fee of $6.00 will be imposed if the daily balance in your account falls below $100.00. 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 paid on collected balance and 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 $20.00 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

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.

General Commercial Fees
  1. An NSF item/overdraft may be created by check, in-person withdrawal, or other electronic means.
Account Research Fee 15.00
Hourly Charge (minimum hourly charge of 15.00)
Copy Charge (per item) 2.50
Check Printing Charges depends on style ordered
Collection Items|Non-documentary|Documentary 10.00|15.00
Courier Charge (per pickup) 5.00
Daily Deposit Reporting 50.00
Daily Overdraft Charge (applied to entire overdrawn balance) prime +3.00%
Deposit Item Returned Unpaid 5.00
Disposable Deposit Bags (per 25) 5.00
Independent Auditor’s Confirmation 20.00
Interim Statement 5.00
Non Sufficient Funds Charge (per item)1 28.00
Official Checks 6.00
Stop Payment Fee (per item) 28.00
Wire Transfer, Incoming $15.00
Wire Transfer, Outgoing $15.00