Service Charges and Fees

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1 Service Charges and Fees

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3 1. Personal Banking Service Charges 1 2. Sabadell Online Banking Service Charges 4 3. Electronic Banking Transaction Charges 5 4. Business Banking Service Charges 7 5. International Banking Services Safe Deposit Box 13

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5 1. Personal Banking Service Charges Personal Checking Accounts Average collected balance Maintenance/ for statement period per check charge $0 to $1,999 $20 per month plus $.35 per check $2,000 or greater No monthly Maintenance or per check charge Personal Interest Checking Accounts* Average collected balance for statement period Maintenance charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance or per check charge Preferred Personal Interest Checking Accounts* Average collected balance for statement period Maintenance charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance or per check charge Personal Savings Accounts Personal Savings Accounts with average collected balances of less than $500 for the quarterly statement period will be assessed a $15 quarterly service charge as well as a $5 charge for each withdrawal in excess of six made during any monthly statement period. Personal Savings Accounts for minors (under 18 years of age) will not be subject to the quarterly service charge or the excess withdrawal charge. * This is a Negotiable Order of Withdrawal account subject to the requirements of Regulation D. Service Charges and Fees 1

6 Personal Money Market Accounts Average collected balance for statement period Service charge $0 to $4,999 $20 per month plus $.25 per check for the first six checks; $10 per check in excess of six checks $5,000 or greater No monthly service charge $10 per check in excess of six checks Preferred Personal Money Market Accounts Average collected balance for statement period Service charge $0 to $4,999 $20 per month plus $.25 per check for the first six checks; $10 per check in excess of six checks $5,000 or greater No monthly service charge $10 per check in excess of six checks Personal Banking Service Charges Bill paying foreign/domestic Branch originated fax copies Cash deposit processing Cash furnished/deposited Coin Currency Check printing charges $15 per item $5 per page $20 per hour $0.10 per roll $0.75 per strap Fees vary as per vendor's schedule Checking and savings accounts closed within six months $25 (waived for minors) Collection items (clean) Outgoing/Incoming $25 Documentary $25 plus costs 2 Service Charges and Fees

7 Consumer Banking Service Charges (continued) Copies of checks, deposit tickets and deposited items $1 per copy Counter Checks $1.50 each Coupon collections $5 per item Coupon returned $20 per item Deposit corrections $6 each Deposited items returned $12 per item Dormant accounts $15 per month Gift Checks $2.50 per check Hold mail $25 per statement Interest charged on negative collected balances resulting from checks, or in-person withdrawals 14% per annum Loan payment returned checks $33 per check Microfilm copies $5 per copy Notary fees (customers only) $5 Notice of levy or garnishment $100 plus costs Cashier s Checks and Bank Drafts $12 each Overdraft fee applies to items paid, overdrafts or returns resulting from checks, in-person withdrawals or other electronic means, except ATM or POS transactions $35 per item Overdraft protection $10 per transfer Photocopies of prior statements $5 per page Return mail $10 per statement Request for research $30 per hour Special statements $10 per statement Statement reconcilement $35 per hour Stop payments $35 per item Transfers between accounts $5 per transfer Travelers checks 2% Wire transfers Incoming $15 per transfer Outgoing $25 per transfer Telephone notification $5 per transfer Tracers $15 per transfer IRA Transfer fee $25 IRA Administrative fee $15 annually Service Charges and Fees 3

8 2. Sabadell Online Banking Service Charges Basic Services No Bill Pay Bill Pay No charge Expanded Services No Bill Pay Bill Pay Monthly charge $30.00 $35.95 Includes: Account 5 accounts; 5 accounts; access $1.OO/account $1.00/account over 5 over 5 Transfers Yes, no charge Yes, no charge between accounts Stop pay Yes, standard Yes, standard charge charge Bill payments N/A 25 bills/month; $.4O/bill over 25 Wire Yes, standard Yes, standard Transfer charge charge ACH Yes, $20/month; Yes, $20/month; Originations* $.10/item $.10/item * A one-time processing fee of $100 to cover underwriting and setup. 4 Service Charges and Fees

9 3. Electronic Banking Transaction Charges The following service charges apply to transactions conducted at an Automated Teller Machine (ATM) using either our Bank's issued ATM Card, Business Debit Card, or the Debit Card: ATM withdrawals, transfers or balance inquiries for customers at our ATM Machines Free Cash withdrawal our customers at Presto network ATMs Free Cash withdrawal our customers at non owned ATMs $ 1.50 Withdrawals for non customers at our ATM machines $ 2.00 Transfers between accounts at non owned ATMs $ 1.00 Balance inquiries at non owned ATMs $ 0.75 Charge for replacement or stolen card $ 5.00 There is no charge for using the Cards for a payment or refund on purchases made at a Point-of-Sale (POS) terminal or authorized retailer within the United States. There may be an additional charge to your transaction when using an ATM/debit card at a location other than a Sabadell United Bank owned machine. For transactions performed outside the U.S., Visa assesses up to 1% of the foreign currency transaction amount. The fees are settled as follows: the Currency Conversion Assessment of 20 basis points of this fee is calculated by Visa and is added to the transaction amount passed to your account. The Cross-border transaction fee of 80 basis points of the 1% fee is separately calculated and is passed to your account with the description "SVC CHG INTRNTL TRAN." Service Charges and Fees 5

10 Electronic Banking Transaction Charges (continued) Daily dollar limitations are in effect for various transaction categories as explained below: ATM withdrawals $ 500 POS transactions $ 1,000 Cash advances $ 1,000 Merchant purchases with the Business Debit Card or the Debit Card $ 2,500 6 Service Charges and Fees

11 4. Business Banking Service Charges Business Checking Accounts Account maintenance Checks/debits paid Checks deposited Deposits/other credits posted $16 per month $0.20 per item $0.15 per item $0.40 per item Business Money Market Accounts Minimum opening deposit: $2,500 Balances Service charges* Interest rate* $0 to $4,999 $20 per month plus Market rate $.25 per check for first 6 checks; $10 per check in excess of 6 checks $5,000 no monthly fee Market rate or greater $10 per check in excess of 6 checks *All service charges are based on average monthly collected balances and interest is paid on daily collected balances. Preferred Business Money Market Accounts Minimum opening deposit: $2,500 Balances Service charges* Interest rate* $0 to $4,999 $20 per month plus Market rate $.25 per check for first 6 checks; $10 per check in excess of 6 checks $5,000 no monthly fee Market rate or greater $10 per check in excess of 6 checks *All service charges are based on average monthly collected balances and interest is paid on daily collected balances. Service Charges and Fees 7

12 Business Certificates of Deposit We offer a wide range of Certificates of Deposit with rates and maturities designed to meet investment needs. A minimum opening deposit of $2,500 is required. Business Banking Service Charges Bill paying - foreign/domestic $15 per item Branch originated fax copies $5 per page Cash deposit processing $20 per hour Cash furnished/deposited Coin $0.10 per roll Currency $0.75 per strap Check printing charges Fees vary as per vendor's schedule Checking and Savings Accounts closed within six months $25 Check cashing on-us (non-customers) $2 per item Collection items (clean) Outgoing/Incoming $25 Collection items (documentary) $25 plus costs Copies of checks, deposit tickets and deposited items $1 per copy Counter Checks $1.50 each Coupon collections Coupon $5 per item Returned $20 per item Deposit corrections $6 each Deposited items returned $12 per item Dormant accounts $15 per month FDIC fee A factor based on FDIC charges times the average monthly ledger balance Gift Checks $2.50 per check Hold mail $25 per statement 8 Service Charges and Fees

13 General Service Charges (continued) Interest charge on negative collected balances resulting from checks or in-person withdrawals 14% Loan payment returned checks $33 per check Microfilm copies $5 per copy Night deposit bags $25 deposit per bag Notary fees (customers only) $5 Notice of levy or garnishment $100 plus costs Cashier s Checks and Bank Drafts $12 each Overdraft fee applies to items paid, overdraft or returns resulting from checks or in-person withdrawals or other electronic means, except ATM or POS transactions $35 per item Overdraft protection $10 per transfer Photocopies of prior statements $5 per page Request for research $30 per hour Returned mail $10 per statement Special statements $10 per statement Statement Reconcilement $35 per hour Stop payments $35 per item Transfers between accounts $5 per transfer Travelers Checks 2% Wire transfers Incoming $15 Outgoing $25 Wire transfers Telephone notification $5 per transfer Tracers $15 per transfer Note: If an account becomes involved in legal proceedings, its use may be restricted and it may be subject to additional charges for expenses related thereto. Any account without a certified taxpayer identification number will be subject to all charges related thereto as specified by IRS regulations. Service Charges and Fees 9

14 5. International Banking Service Charges Our International Banking Department is staffed with a team of experienced international banking professionals who are able to handle all of your foreign exchange, foreign collections, funds transfer, and letters of credit needs. We offer the speed, accuracy and flexibility of a small bank combined with the experience and service capabilities of a world-class bank. For more information about how we can help you transact all of your international banking needs, please contact your Branch Representative. Commercial Letters of Credit Issuance Advising $ Issuing 1/4 of 1%* $ minimum Full details telex/ swift or $50.00 Confirmation 1/4 of 1%* $ minimum Amendments $50.00 (increasing or extending I/c) 1/4 of 1%* $ minimum Amendment telex/ swift advice $30.00 *Per 90 day period Negotiation Payment 1/4 of 1% $ minimum Negotiation of other Bank's L/C s (plus collection fees - 2% over Prime after 10 days) 1% $ minimum 10 Service Charges and Fees

15 Acceptance/ deferred payment 3% P.A.* $ minimum Discount charge (at our prevailing rate) $ minimum Discrepancy fee $75.00 Discrepancy notification telex $30.00 *In addition to the payment commission Sundry Letters of Credit Assignments/ Transfers 1/4 of 1% $ minimum Letters of indemnity/ releases (Steamship or Air Cargo) $75.00 Cancellation of unutilized credits (will apply despite charges for beneficiary's account) $50.00 Reimbursements (where our Bank is the Reimbursing Agent) 1/4 of 1% $75.00 minimum Standby Letters of Credit By arrangement $ minimum Foreign Collections (U.S. Dollars and Foreign Currency) Clean Collections Checks payable outside of the United States 1/8 of 1% $35.00 minimum* $50.00 maximum* Check returned for any reason $10.00* Immediate credit items $25.00** * Plus out of pocket expenses ** Subject to prior authorization and at our discretion. Subject to final payment with recourse to presenter. Interest may apply. Service Charges and Fees 11

16 Documentary collections Sight and time 1/4 of 1% $75.00 minimum* $ maximum* Amendments (changes of original instructions, maturity extension, etc) $40.00 Tracers First tracer Free of charge Additional tracers $10.00 * Past due Unpaid collections note recalled within 90 days after sight or time $50.00 per quarter* Unpaid or unaccepted and returned documents (drawer's expense) $25.00 Protest if unpaid (drawer's expense) $25.00 *Plus correspondent bank charges and out of pocket expenses Foreign Exchange (Foreign currencies purchased and sold) Wire Transfer $50.00 Foreign Drafts 1/8 of 1% $15.00 minimum Cancellation or Stop Payment $25.00 Miscellaneous Charges Fax communications Domestic (per page) $5.00 International (per page) $10.00 Courier Domestic $20.00 International $ Service Charges and Fees

17 6. Safe Deposit Box Some Things You Keep in a Safe Deposit Box are More Precious Than Jewels. A Sabadell United Bank Safe Deposit Box isn't just for expensive jewelry or important documents. Sometimes it's also just the right place to keep treasured heirlooms or possessions that are so special, so full of wonderful memories, that their loss to theft or fire would be unthinkable. We have a full range of Safe Deposit Boxes at prices that you can easily afford. Especially for your most priceless possessions. Box Size Annual Price 2" x 5" $ " x 5" $ " x 5" $ " x 10" $ " x 10" $ " x 10" $ " x 10" $ " x 15" $ " x 15" $ Key deposit $20 Late payment $10 Drilling fee $150 Service Charges and Fees 13

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20 Service Charges and Fees for Sabadell United Bank, N.A. and its wealth management division, Sabadell Bank & Trust Executive Offices 1111 Brickell Avenue 30th Floor Miami, Florida Sabadell SM is a service mark of Banco de Sabadell, S.A. used by Sabadell United Bank, N.A. Sabadell Bank & Trust SM is a service mark of Banco de Sabadell, S.A. and a trade name of Sabadell United Bank, N.A., member FDIC. Deposits in Sabadell Bank & Trust and other divisions of Sabadell United Bank, N.A. are included within Sabadell United Bank, N.A. s FDIC insurance coverage. Sabadell United Bank, N.A. Member FDIC. Equal Housing Lender 2012 Sabadell United Bank, N.A., a subsidiary of Banco de Sabadell, S.A. All rights reserved. Form #2006-A Rev (04/12)