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NON-INTEREST BEARING BUSINESS CHECKING ACCOUNTS

Account Name	Minimum balance to open the account	Fees	Account Provisions
Commercial Checking	$100.00	$5.00 per month maintenance $.15 per check written $.08 per check deposited	An earnings credit will be applied to the account to offset monthly processing costs. The credit shall be indexed at .25% below Municipal's NOW Account rate and will be computed on the average daily balance.

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*INTEREST BEARING BUSINESS CHECKING ACCOUNTS

Account Name	Minimum balance to open the account	Fee if balance falls below the minimum any day of the cycle	Fees	Account Provisions
Commercial Now Account	$1,000.00	$6.00 monthly fee if balance falls below $550.00	$5.00 per month maintenance $.15 per check written $.08 per check deposited	N/A
Commerical Super Now	$1,000.00	$10.00 monthly fee if balance falls below $1,000.00	$5.00 per month maintenance $.15 per check written $.08 per check deposited	N/A
Commercial Classic Insured Money Market	$1,000.00	$25.00 monthly fee if balance falls below $1,000.00	$.15 per check written $.08 per check deposited Per item fee of $8.00 for each check in excess of 3 during a statement cycle. An $8.00 fee will be charged for an excess of 6 transactions per statement cycle. Per item fee of $8.00 for each check written under $250.00.	Transfers to another account or to third parties by preauthorized, automatic, internet or telephone transfer are limited to six per month. Cannot be tied to an ATM or Debit Card.
*The annual percentage yields are included in the Rate Chart. The interest rate and annual percentage yield may change at any time. Interest is compounded monthly and will be credited monthly. If the account is closed before interest is credited you will not receive the accrued interest.

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*COMMERCIAL SAVINGS ACCOUNT
Account Name	Minimum balance to open the account	Fee if balance falls below the minimum any day of the cycle	Account Provisions
Commercial Savings Account	$200.00	$4.00 monthly fee if balance falls below $200.00	Transfers to another account or to third parties by preauthorized, automatic, internet or telephone transfer are limited to six per month.
*The annual percentage yields are included in the Rate Chart. The annual percentage yield may change at any time. Interest is compounded quarterly and will be credited quarterly. If the account is closed before interest is credited you will not receive the accrued interest. Transfers to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per month with no more than three by check, draft or similar order to third parties.

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