BestBank Business Account Disclosure The information described is accurate as of September 1, Member FDIC

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1 BestBank Business Account Disclosure The information described is accurate as of September 1, Member FDIC Disclosures Regarding Electronic Wholesale Credit Transactions Subject to Uniform Commercial Code Article 4A Provisional Payment Credit given by us to you with respect to an automated clearinghouse credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt of Entry Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Funds Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New York, as provided in the operating rules of the National Automated Clearing House Association, unless it has been otherwise specified in a separate agreement that the law of some other state shall govern. Unlawful Internet Gambling Illegal Internet Gambling transactions are prohibited and cannot be processed through your account. Your account and any other service we offer cannot be used to perform transactions that are illegal under the Unlawful Gambling Enforcement Act of Visa DebitCard Internet gambling transactions are prohibited on a business account. General Account Information Refer to our Interest Rate sheet for current interest rates and Annual Percentage Yields. When referring to daily balance, it is the daily principal in the account at the end of each day. 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. We may require a seven-day notice in writing before each withdrawal from an interest-bearing account other than a time deposit account. Accounts with a zero balance for at least two months are assumed to be no longer in use and will be closed. The bank has the right to change the terms of the account with notice to the customer as required by law. If the account is closed within 120 days of opening, there is a $25 early closing fee. Certificates of Deposit (CD) The Interest Rate on your account will be paid through the first certificate term. For compounding certificates, the Annual Percentage Yield assumes the interest will remain in the account until maturity and that a withdrawal reduces earnings. Transaction Limitations: You may not deposit to your certificate account until the maturity date. Credited interest may be withdrawn without penalty at any time during the term that it s earned. Penalties: The penalty for withdrawal of principal prior to a maturity date is a loss of interest, whether earned or not, on the amount withdrawn for the number of days listed below based on the interest rate being paid at the time of withdrawal. Penalties are waived in the case of death or incompetence. Certificate terms less than 1 year: 90 days Certificate terms 1 year and over: 180 days If the balance falls below the minimum balance required, it shall be considered a withdrawal of the entire balance and be subject to the penalty described above. Frequency of Compounding and Crediting of Interest: Certificate terms under 1 year have no compounding and the interest is credited at maturity. Certificate terms 1 year and over are compounded and credited quarterly. Minimum Balance to Open and Earn the Annual Percentage Yield: $1,000 Account Renewals: Your account will automatically renew. You will have 7 calendar days after the maturity date to withdraw funds without penalty. During this 7-day grace period interest will be paid at the interest rate on the last day of the term to the date of withdrawal. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Minimum Balance Required to Avoid Fees: There is no minimum balance required to avoid fees. Business Savings Accounts The Interest Rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings. Transaction Limitations: There is no limit to the number of in-person deposits to and withdrawals from your account. Transfers from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check or similar order to third parties. Frequency of Compounding and Crediting of Interest: Interest is compounded and credited monthly. Minimum Balance to Open: Regular Business Savings is $100. Minimum Balance Required to Earn the Annual Percentage Yield: Regular Business Savings is $250. 1

2 Accrual of Interest on Non-Cash Deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Minimum Balance Required to Avoid Fees - Regular Business Savings: A monthly fee of $5 is charged if the daily balance falls below $100. The monthly fee will close the account if the account balance is $5 or less. Business Money Market Accounts The Interest Rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Based on your daily balance; you will be paid the applicable rate on the entire balance. Fees could reduce earnings. Transaction Limitations: There is no limit to the number of in-person deposits to and withdrawals from your account. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, point-of-sale, or similar order to third parties are limited to six per statement cycle. Frequency of Compounding and Crediting of Interest: Interest is compounded and credited monthly. Minimum Balance to Open: $2,500 Minimum Balance Required to Earn the Annual Percentage Yield: $0.01 Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Minimum Balance Required to Avoid Fees: Business Ultimate Money Market: A monthly fee of $10 will be charged if the average balance falls below $500. There will be a $5 charge per item if preauthorized transfers exceed the limits defined in Transaction Limitations above. If transfer limits are exceeded, the account will be reclassified as a checking account. Business Checking Accounts A statement is produced at the end of each month. Refer to the BestBank Business Services and Prices for more information on other fees that may apply. Easy Business Checking: No minimum balance requirement. No monthly service fee. Account does not earn interest. Paper Statement Fee: There is a monthly fee of $2 per account for paper statements. There is no fee for online statements. Dormant Fee:If there is no activity on the account for 8 months or more, there is a $5 monthly dormant fee. Analysis Results Chg The following fee is itemized on the Analysis Statement. If you would like a copy of an Analysis Statement call General Information: To qualify for the Easy Business Checking, one of the following BestBank products must be open and active - Personal Checking, Personal or Business Money Market, Certificate of Deposit, Credit Card or Auto Loan, Mortgage Loan, Equity Loan/Line of Credit, Business Loan or Line of Credit. If the additional account is closed, the checking will be transferred to another BestBank Business Checking product where balance and transaction fees may apply. The Bank reserves the right to transfer the account to the Commercial Checking if the account has excessive transactions in relation to balances. Basic Business Checking: No minimum balance requirement. No monthly service fee. Account does not earn interest. Paper Statement Fee: There is a monthly fee of $2 per account for paper statements. There is no fee for online statements. Dormant Fee: If there is no activity on the account for 8 months or more, there is a $5 monthly dormant fee. Analysis Results Chg The following fees are itemized on the Analysis Statement. If you would like a copy of an Analysis Statement call Transaction Fee: Fifty (50) free transactions per statement cycle, transactions over 50 are $0.20 each. Transactions include checks paid, deposits and deposited items, ACH debits, ACH credits, and any other debits or credits. 2

3 Commercial Checking: Account does not earn interest. Earnings credit can offset fees charged. Dormant Fee: If there is no activity on the account for 8 months or more, there is a $5 monthly dormant fee. Analysis Results Chg The following fees are itemized on the Analysis Statement. An Analysis Statement is provided automatically each month. Monthly Maintenance Fee: $12.00 Transaction Fee: $0.15 for each transaction including checks paid, deposits and deposited items, ACH debits, ACH credits, and any other debit or credits. IOLTA/RECTA Checking (where available): No minimum balance requirement. No monthly service fee. No transaction fees. Minimum Balance to Open: $50 This is an interest bearing account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). The Interest Rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. The minimum balance required to earn the Annual Percentage Yield is $0.01 Interest is compounded and credited monthly. Fees could reduce earnings. There is no minimum balance required to avoid fees. All interest paid on the account, less any service charges or fees will be submitted to the appropriate agency. Courtesy Overdraft Service Information What is an Overdraft? Overdrafts occur when withdrawals from your account exceed your available balance. What is the Available Balance? Your Available Balance is the portion of your current balance that is available for withdrawal or payment of items. Your current balance is reduced by: (1) any holds placed on your Account for checks you have deposited or cashed, and (2) any holds placed for debit card transactions that are authorized but have not cleared or do not clear your account. Check deposit Debit card transaction Available Balance A check deposit will not be available until the check hold expires. If you spend this money before it is available you may incur overdraft fees. A debit card transaction is subtracted from your available balance when the purchase is made. If you spend more than what is available in your account you may incur overdraft fees. The bank, at its discretion, may authorize and pay overdrafts that exceed the available balance in your checking or money market account and Overdraft Fees may apply. Excessive use of any overdraft service is costly and discouraged. Please ask about alternative options. Whether your overdrafts are paid is discretionary, which means we do not guarantee that we will authorize and pay any type of transaction and we reserve the right not to pay. Examples of when we typically do not pay overdrafts include being consecutively overdrawn for an extended period of time, participating in our Fresh Start program or not making regular deposits. Transactions we may pay include ATM and debit card transactions, checks and other transactions made using your checking account number, automatic bill payments, and preauthorized automatic debits, telephone-initiated, online banking and electronic transfers. What overdraft fees could I be charged? Overdraft Fee of $37 for each item paid that exceeds the available balance Return Check/Item Fee of $37 for each item that is returned because it exceeds the available balance Continuous Overdrawn Fee - a one-time fee of $36 charged when the available balance remains negative for 7 calendar days More than one overdraft fee can apply each day For example, if you have $100 in your account but that amount is on hold due to a check deposit, if you write a $20 check, withdraw $30 at the ATM and your gym membership of $50 is withdrawn, you have spent $100 but you do not have any available funds in your account and you will be charged 3-$37 Overdraft Fees, one fee for each item, or a total of $111. There is a limit of $259 per day on the total overdraft and return check/item fees. This limit does not include the continuous overdrawn fee. Repaying an overdrawn balance If your account is overdrawn, you should bring that balance positive as soon as possible so you can avoid the Continuous Overdrawn Fee. If your account remains negative for 60 consecutive calendar days the bank will close the account. Transaction Processing Order 3

4 Transaction Processing Order is the order in which your deposits and withdrawals are processed. Transactions may not be processed in the order in which they occurred and the order in which transactions are received and processed can affect the total amount of overdraft fees incurred. Overdraft Fees are assessed during nightly processing which occurs Monday through Saturday. During nightly processing, deposits will generally be posted before withdrawals. Below is a summary of how we generally post items including examples of the more common transactions. Any holds placed for checks you have deposited or cashed and pending debit card transactions that have been authorized but have not yet posted to your account are reflected in your available balance. Deposits will generally be posted first and transactions will generally be processed in the following order. ATM withdrawals, in-branch transactions, telephone and internet online banking transactions in date and time order Debit card POS purchases in date and time order ACH preauthorized withdrawals and electronic checks in date and time order Outgoing wires in low to high order Checks in check number order Most service charges will generally post last. The bank charged ATM Direct S/C (service charge) will generally post with the ATM transaction. Service charges could bring your account negative. Overdraft Notices You will receive an overdraft notice when you have an overdraft. How you can reduce or avoid overdraft fees Keep track of your available balance. Your available balance is printed on transaction receipts and is available by calling our telephone banking INFO Line at , by logging on to Online Banking and via Mobile Banking. Use Direct Deposit to avoid check holds on deposits. Record debit card transactions in your check register at the time of purchase. Keep a cushion of funds in your account just in case of an error. Sign up for Online Banking low balance alerts to alert you when your balance is below a limit that you determine Sign up for Overdraft Protection Transfers from a savings, money market or checking account. This service will transfer funds when you do not have a sufficient available balance. The fee for this service is $15 per transfer. General Information Address Changes: Please notify us of address changes or mail will not be forwarded. We will change your address if you submit a change of address order to the US Postal Service. Combined Statements: The bank may send you one statement for multiple accounts with the same ownership. 4

5 BESTBANK BUSINESS SERVICES AND PRICES Prices effective as of September 1, 2015 Account Closing within 120 days $25 (checking, savings, certificate and money market accounts) Account Research/Reconciliation ATM/DEBIT CARD FEES Best Bank or Guaranty Bank ATMs ATM Withdrawals at NON-BestBank or Guaranty Bank ATMs ATM Balance Inquiry at NON- BestBank or Guaranty Bank ATMs Debit Card purchase choosing credit $30 per hour plus $6 per copy Free transactions for BestBank or Guaranty Bank customers using their Bank ATM or Debit card $3.00 for each withdrawal Fee is listed as Direct S/C on your statement. Fee is in addition to any ATM owner surcharge fee that may apply. $3.00 for each balance inquiry Fee is listed as Direct S/C on your statement. Fee is in addition to any ATM owner surcharge fee that may apply. Free Debit Card purchase choosing debit Free and entering PIN ATM Empty Envelope $37 per envelope Debit Card or ATM Card Reissue $5 per card Designer Debit Cards $7 per card. If you request the card be reissued you will be charged a $7 designer card fee plus a $5 reissue fee. Bank Official Check purchase $8 each Or free if $5,000 balance* (customers only) Non-customer cashing check drawn on $5 per check BestBank Check Images with Paper Statements $2 per month per statement (fee does not apply to Online, IOLTA, or RECTA statements) Check Printing Fee Varies Coin Counting 1% of total (where available) Coin Ordered $0.10 per roll, Standard Box $4 Currency Ordered $0.50 per strap Foreign Currency Fee Varies Foreign Checks Fee Varies (always processed as collection item) Late Correction of Tax Forms $50 Legal Notices (Garnishment, Levy) $100 Money Order $3 each Or free if $5,000 balance* (customers only, maximum $3,000 per money order) Notary Free OVERDRAFT FEES Overdraft Fee $37 for each item paid that exceeds the available balance Return Check/Item Fee $37 for each item that is returned because it exceeds the available balance Continuous Overdrawn (OD) Fee $36 one-time fee charged when the available balance remains negative for 7 calendar days** (If the 7th calendar day falls on a Sunday or legal holiday the date of the fee transaction will be the processing day prior to the 7th calendar day. Processing days are Monday-Saturday.) Overdraft Protection Transfer Charge $15 per transfer from linked savings, money market or checking. This service will transfer funds when you do not have a sufficient available balance. Returned Deposit item Returned Mail $20 per item $10 per account, per month. You can avoid this fee by making sure we have your most current address to ensure you receive important mailings. Stop Payment Request/Renewal $37 per item, check, or money order Telephone Transfer Free with 24 hour INFO Line Telephone Banking service Wire Transfer Outgoing $30 (Domestic) or $60 (International, external fees may apply) Wire Transfer Incoming $18 Wire Transfer Service Message $10 (domestic) or $25 (international) Wire Transfer Confirmation $2.50 ( ) $5 (fax) $10 (phone) *Balance is defined as the prior day (Monday-Saturday) total balance of all checking, savings, certificate and money market accounts for the tax reporting owner of the account from which the item is purchased. The fee is withdrawn from the account the business day after the purchase. **Calendar day is all calendar days, including weekends and holidays. 5

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