Services and Fees. Member FDIC fmb.com Rev. 7/15

Size: px
Start display at page:

Download "Services and Fees. Member FDIC fmb.com Rev. 7/15"

Transcription

1 Services and Fees Member FDIC fmb.cm Rev. 7/15

2 TABLE OF CONTENTS PERSONAL SCHEDULE OF FEES... 5 BUSINESS SCHEDULE OF FEES... 6 ACCOUNT ANALYSIS SCHEDULE OF FEES... 7 ACCOUNTS... 8 Bankruptcy Trustee Accunt... 8 Business Checking Analyzed... 8 Business Checking Nn Analyzed... 8 Certificates f Depsit Day Market Rate Certificate f Depsit and 182 Day; 12 23; 24 35; 36 47; 48; and 60 Mnth Market Rate Certificate f Depsit... 9 Bankcard Cllateral Certificate f Depsit... 9 Bnd Certificate f Depsit Merchant Services Cllateral Certificate f Depsit Lan Cllateral Certificate f Depsit Christmas Club Accunt Classic Checking Cllege Checking Elite Checking Gld Checking Health Savings Accunt (HSA) Interest n Checking (Business) Interest n Checking (Cnsumer) Individual Retirement Accunts (IRAs) (Traditinal r Rth) , 12, 18, 24, 36, 48 and 60 Mnth Market Rate IRAs Market Rate Mney Market (Business) Market Rate Mney Market (Cnsumer) Market Rate Savings (Business) Market Rate Savings (Cnsumer) Persnal Checking Member FDIC fmb.cm Rev. 7/15

3 Platinum Checking Senir Checking State Bar Assciatin/IOLTA Super Sized Yuth Savings Teen Checking Varsity Checking SERVICES Escrw Services Freign Currency Exchange/Purchase Lans Business Credit Persnal Credit Lckbx Standard Lckbx (nt available t new accunts after ) Electrnic Lckbx Medical Electrnic Lckbx (Med eslutins) MasterMney Debit Cards Business Debit Card Cnsumer Debit Card Debit Card Fraud Alerts Merchant Services Night Depsit Ntary Online Banking ACH Originatin Basic Persnal Online Banking Bill Pay Basic Business Online Banking Online Cash Management Mbile Banking Mbile Check Depsit Psitive Pay Member FDIC fmb.cm Rev. 7/15

4 Text Banking Text Alerts Overdraft Bunce Prtectin SM Ready Cash Depsit (RCD) Sweep Services Physician Banking with Cncierge Service Pre-Paid Debit Cards RemitONE Remte Depsit Capture (RDC) Check Image Depsit Safe Depsit Bxes Smart Safes Telebanker Traveler s Cheques Trust Services Visa Credit Cards Persnal Visa Card FMB Cash Rewards Prgram F&M Visa Alerts Business Visa Card Business Visa FMB Rewards Business F&M Visa Alerts USA Patrit Act Disclsure Investment Services Nt FDIC Insured Member FDIC fmb.cm Rev. 7/15

5 PERSONAL SCHEDULE OF FEES Bank Fees Accunt Histry... $2.00 Bnd Cupn Cllectin... $7.50 Chargeback... $6.00 Checks/Depsit Slips... Per Catalg Pricing Debit Card Transactin at a nn-f&m Bank ATM... $1.50 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Legal Prcess... $ Paper Statement Fee... $3.00 Research Per hur (1 hr minimum, prrated thereafter). $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Cashier s Checks Client... $6.00 Nn-Custmer... $8.00 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees).. $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts). $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 Early Accunt Clsure Checking Accunts (within 90 days f pening)... $10.00 Savings Accunts (within 1 year f pening)... $5.00 Mney Orders Client... $4.00 Nn-Custmer... $6.00 Ntary Services (fr nn-bank required and/r related dcuments) Ntice f Nnpayment f a Prmissry Nte/Signature... $5.00 Acknwledgements, Jurats, etc./signature... $10.00 Pre-Paid Debit Cards MasterCard Pre-Paid Debit Cards... $3.00 Maintenance Fee Per Mnth (assessed after 12 cnsecutive mnths f inactivity)... $2.95 Replacement f lst r stlen card... $5.00 Safe Depsit Bx Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies based n bx size Transfer f Funds Sweep Transactin... $5.00 Telephne Transactin... $2.00 Wire Transfers Dmestic Outging Dmestic Wire entice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire entice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 Wire Transfers Internatinal Outging Internatinal (crrespndent fees included)... $60.00 Incming Internatinal Wire entice... $7.00 Incming Internatinal Wire Mail Ntice... $10.00 Teen, Cllege, Senir, Classic, Gld and Platinum Checking Accunts include additinal prducts and services, sme at a discunted r waived fee schedule. Fr mre infrmatin, please see the accunt details r yur accunt agreement. Overdrafts Nnsufficient Funds Per Overdraft ($150 max per day).. $30.00 Transfer f Funds Sweep Transactin (Teen Checking)... $5.00 Sweep Transactin (Cllege Checking)... $8.00 Sweep Transactin (Senir, Classic Checking)... $9.00 Telephne Transactin (Teen, Cllege, Senir, Classic Checking)... $10.00 Overdrafts Nnsufficient Funds Per Overdraft... $20.00 Persnal Online Banking Basic Online Banking Per Mnth... N Charge Stp Payment F&M Paper Check Per Request... $20.00 Bill Pay Per Mnth/Per Lg-In ID (up t 15 pmts/mnth).. $5.00 Each Additinal Elite Bill Pay Payment ver 5 pmts/m... $0.40 Paid Return Item Fee Per Item... $20.00 Stp Payment Draft (Stp Payment Request)... $15.00 Re-Issue Draft Per Draft Item... $15.00 Overnight Delivery Draft Per Request... $15.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Member FDIC fmb.cm Rev. 7/15

6 BUSINESS SCHEDULE OF FEES Bank Fees Accunt Histry... $2.00 Bnd Cupn Cllectin... $7.50 Business Statement n CD-ROM (nt available t new accunts)... $15.00 Chargeback (Check)... $6.00 Checks/Depsit Slips... Per Catalg Pricing Curier Services... Per Agreement + 10% Debit Card Withdrawal (at a nn-f&m Bank ATM)... $1.50 Depsit Bag (dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Legal Prcess... $ Psitive Pay Service Per Mnth.... $25.00 Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Cashier s Checks Client... $6.00 Nn-Custmer... $8.00 Cin (in r ut) Cin & Currency Change Order... $3.00 Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx Prvided... $4.00 Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 Per Cin Bag Prvided... $0.60 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees)... $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts)... $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 Early Accunt Clsure Checking Accunts (within 90 days f pening)... $10.00 Savings Accunts (within 1 year f pening)... $5.00 Merchant Services Merchant Services... Per Agreement Merchant Services Supplies... Market Price Mney Orders Client... $4.00 Nn-Custmer... $6.00 Ntary Services (fr nn-bank required and/r related dcuments) Ntice f Nnpayment f a Prmissry Nte Per Signature... $5.00 Acknwledgements, Jurats, etc. Per Signature... $10.00 Online Banking Basic Business Online Banking Per Mnth... N Charge Stp Payment F&M Paper Check Per Request... $20.00 Each Additinal Elite Bill Pay Payment ver 5 pmts/m... $0.40 Paid Return Item Fee Per Item... $20.00 Stp-Payment Draft Per Request... $15.00 Re-Issue Draft Per Item... $15.00 Overnight Delivery Draft Per Request... $15.00 Online Cash Manager Online Cash Manager Per Mnth (up t 3 Lg-In IDs)... $14.95 Each Additinal Lg-In ID (Emplyee Access Cntrl)... $2.00 ACH Item Originatin Per Item... $0.10 ACH Originatin Chargeback... $6.00 ACH Reversal... $30.00 Stp Payment F&M Paper Check Per Request... $20.00 Online Banking Outging Dmestic Wire entice....$20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Overdrafts Nnsufficient Funds Per Overdraft... $20.00 Pre-Paid Debit Cards MasterCard Pre-Paid Debit Cards... $3.00 Maintenance Fee Per Mnth (assessed after 12 cnsecutive mnths f inactivity)... $2.95 Replacement f lst r stlen card... $5.00 RemitONE Enrllment Fee... $5.00 ARU & Vice Payments Per Payment... $3.00 Internet Payments Per Payment... $2.00 Fax r Mail Receipt Per Page... $1.00 Web Inquiry Per Page... $1.00 Quarterly Reprt Per Reprt... $5.00 Safe Depsit Bx Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies based n bx size Smart Safes Mnthly Service Fee Per Unit... $ Transfer f Funds Sweep Transactin... $5.00 Telephne Transfer... $2.00 Wire Transfers Dmestic & USD Int l via US Crrespndent Bank* Online Banking Outging Dmestic Wire entice... $20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Outging Dmestic Wire entice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire entice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 * USD Int l via US Crrespndent Bank is fr cmmercial purpse nly. Wire Transfers Internatinal Outging Internatinal Wire USD... $50.00 Outging Internatinal Wire FX... $40.00 Incming Internatinal Wire entice... $7.00 Incming Internatinal Wire Mail Ntice... $10.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Member FDIC fmb.cm Rev. 7/15

7 ACCOUNT ANALYSIS SCHEDULE OF FEES Bank Fees Accunt Analysis Maintenance Fee Per Mnth... $18.00 Accunt Histry... $2.00 ACH Item Credit... $0.10 ACH Item Debit... $0.10 ACH Item Originatin... $0.10 ACH Originatin Reversal... $30.00 Bnd Cupn Cllectin... $7.50 Business Statement n CD-ROM (nt available t new accunts)... $15.00 Cashier s Check... $6.00 Change Order (in r ut)... $3.00 Chargeback (Check r ACH)... $6.00 Checks/Depsit Slips... Per Catalg Pricing + $10.00 Curier Services... Per Agreement + 10% Debit Item (checks paid)... $0.12 Depsit Bag/Each (dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Depsit Item... $0.10 Depsit Ticket/Each... $1.00 Endrsement Stamp... Per Catalg Pricing + $10.00 Lckbx... Per Agreement Merchant Services Fees... Per Agreement Merchant Services Supplies... Market Price Mney Order... $4.00 Nnsufficient Funds r Overdraft Per Item... $20.00 Online Banking, Basic Service... N Charge Online Bill Pay Services/Mnth (plus $0.40 each ver 15 payments)..$5.00 Online Cash Manager Per Mnth... $14.95 Online Cash Manager Additinal User... $2.00 Psitive Pay Service Per Mnth... $25.00 RemitONE Tax Pay Service... Per Agreement Remte Depsit Capture... Per Agreement Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Sweep Transactin... $5.00 Telephne Transfer Fee... $2.00 Vendr Invice... Cst + $10.00 Check Image Depsit One Time Set-up Fee... $ Mnthly Fee (if less than 2,000 items prcessed per mnth)... $ Check Image Scanned and Prvided Electrnically On-Us Item - F&M Drawn Item Per Check... $0.08 Nn F&M Item - Transit Item Per Check... $0.08 Depsit Ticket (depsit prvided electrnically per depsit)... $1.00 Cin (in r ut) Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx Prvided... $4.00 Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 Per Cin Bag Prvided... $0.60 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees)... $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts)... $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.20 Lckbx (nt available t new accunts after ) Maintenance Per Bx Per Mnth... $ Mini-Bx 0-75 Items Prcessed Per Mnth... $75.00 Depsits Per Depsit... $1.00 Items Prcessed Per Item... $0.24 Freign Item Handling Per Item... $3.00 Bankcard Payment Prcessing Per Payment... $0.25 Scan Image Check Per Item... $0.08 Image Transmissin Per Item... $0.02 Batching/Srting - Rejects and Crrespndence Per Item... $0.05 Rugh Srt/Batching Per Item... $0.10 Batch Preparatin Per Batch... $0.25 Image System Reprts Per Mnth... $25.00 Custm System Reprts Per Mnth... $ Cllate Cpies With Enclsures Per Item... $0.05 U.S. Pstal Service Mailing Per Mnth... $45.00 U.S. Pstal Service Mail Pickup Per Mnth... $50.00 Curier Per Mnth... Per Agreement + 10% Data Entry Per Item... $0.35 Special Stapling Per Item... $0.03 Fax Per Page... $0.25 CD Prductin Per CD... $15.00 Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Lckbx Electrnic Set-Up Per Bx... $ Maintenance Per Bx Per Mnth... $ Reprting Per Mnth... $ CD (nt available t new accunts)... $15.00 Depsit... $1.25 Items Prcessed Per Online Item... $0.45 Items Prcessed Per Paper Item... $0.65 Image Transactin... $0.08 Data Entry Per Keystrke... $0.025 Medical Electrnic Lckbx (Med eslutins) Please see all fees nted abve fr Electrnic Lckbx Fees. Med eslutins Image Transactin... $0.45 Remte Depsit Capture (RDC) One Time Set-Up Fee Per Lcatin... $ Rental Fee Per Mnth (scanner plus maintenance)... $ Mnthly License Fee (up t 2 licenses)... $30.00 Mnthly Fee (licenses in excess f the first 2)... $20.00 Check Scanned and Prvided Electrnically On-Us Item - F&M Drawn Item Per Check... $0.10 Nn F&M Item - Transit Item Per Check... $0.10 Depsit Ticket (depsit prvided electrnically per depsit)... $1.00 Smart Safes Mnthly Service Fee Per Unit... $ Wire Transfers Dmestic & USD Int l via US Crrespndent Bank* Online Banking Outging Dmestic Wire e-ntice... $20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Outging Dmestic Wire e-ntice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire e-ntice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 * USD Int l via US Crrespndent Bank is fr cmmercial purpse nly. Wire Transfers Internatinal Cnsumer Outging Internatinal (crrespndent fees included)... $60.00 Cnsumer Incming Internatinal Wire entice... $7.00 Cnsumer Incming Internatinal Wire Mail Ntice... $10.00 Cmmercial Outging Internatinal Wire USD... $50.00 Cmmercial Outging Internatinal Wire FX... $40.00 Cmmercial Incming Internatinal Wire entice... $7.00 Cmmercial Incming Internatinal Wire Mail Ntice... $10.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement Member FDIC fmb.cm Rev. 7/15

8 ACCOUNTS Bankruptcy Trustee Accunt This accunt is available fr Chapter 11 and Chapter 13 bankruptcy types nly. Minimum balance t pen: $200. This accunt des nt pay interest. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t accunt analysis may be fund n the Accunt Analysis Schedule f Fees. Fees Minimum balance fee $8 plus $0.30 per check paid will be impsed if the minimum balance in the accunt is less than $2,000 n any day f the statement cycle. $7 plus $0.30 per check paid will be impsed if the minimum accunt balance is greater than r equal t $2,000 but less than $3,000 n any day f the statement cycle. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Business Checking Analyzed Minimum balance t pen: $200. This accunt des nt pay interest. Hwever, it prvides an earnings credit that is used t ffset certain service fees incurred by the accunt s activities, i.e. checks paid, items depsited, etc. In additin t each mnthly accunt statement, a mnthly analysis statement is prvided which includes an accunting f services used and earnings credits that ffset service expenses. Earnings credits are based n average mnthly balances f: $0 - $99,999; $100,000 - $499,999; $500,000 - $999,999; and $1 millin plus. Cmpetitive market rates apply. Fees Maintenance fee per mnth: $18. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Accunt Analysis Schedule f Fees. Business Checking Nn Analyzed Minimum Balance t Open: $200. This accunt des nt pay interest. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t accunt analysis may be fund n the Accunt Analysis Schedule f Fees. Fees A minimum balance fee f $10 will be impsed every mnth if the balance in the accunt falls belw $4,000 any day f the statement cycle. Member FDIC fmb.cm Rev. 7/15 8

9 A per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $4,000 any day f the statement cycle. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Certificates f Depsit Minimum balance t pen: $1,000. The interest rate and annual percentage yield fr yur accunt depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n yur accunt. This methd applies a daily peridic rate t the principal in the accunt each day. The interest rate n the accunt will be paid until the first maturity f the Certificate. The accunt will autmatically renew at maturity. Depsits may be made n the maturity date and during the grace perid. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees Day Market Rate Certificate f Depsit Interest will be cmpunded at maturity. Interest will be added back t the principal at maturity. Other crediting arrangements may be made. There is ne (1) business day after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t all interest earned but nt less than 7 days interest, and therefre, may be deducted frm the principal. 91 and 182 Day; 12 23; 24 35; 36 47; 48; and 60 Mnth Market Rate Certificate f Depsit Interest will be cmpunded mnthly. Interest will be added back t the principal mnthly. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Bankcard Cllateral Certificate f Depsit Bankcard Cllateral Certificates f Depsit may be pened in cnjunctin with a credit card. Terms and cnditins may be btained frm the Bankcard Department. Member FDIC fmb.cm Rev. 7/15 9

10 Minimum balance t pen: $2,000. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Depsits may nt be made t this accunt. The bank retains the right t redeem certificate at any time as utlined in the security agreement. Bnd Certificate f Depsit Bnd Certificates f Depsit have a default term f 12 mnths, althugh the term may vary depending n the bnd requirements. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Depsits may nt be made t this accunt. Merchant Services Cllateral Certificate f Depsit Merchant Services Cllateral Certificates f Depsit may be pened in cnjunctin with Merchant Services. Terms and Cnditins may be btained frm the Merchant Services Department. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day the depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. We will impse a penalty if yu withdrawal any f the principal befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Depsits may nt be made t this accunt. The bank retains the right t redeem certificate at any time as utlined in the security agreement. Lan Cllateral Certificate f Depsit Lan Cllateral Certificates f Depsit may be pened in cnjunctin with a Bank lan. Terms and Cnditins may be btained frm the Lending Team prcessing the lan request. Member FDIC fmb.cm Rev. 7/15 10

11 Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. We will impse a penalty if yu withdrawal any f the principal befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. On terms 7-31 days, the penalty amunt will be equal t all interest earned but nt less than 7 days interest; and; may be deducted frm the principal. Depsits may nt be made t this accunt. The bank retains the right t redeem certificate at any time as utlined in the security agreement. Christmas Club Accunt F&M Bank ffers tw types f Christmas Club accunts: a cupn bk r autmatic transfer frm yur F&M accunt. Cupn depsits are accepted late Nvember thrugh Octber, while autmatic transfers are prcessed January thrugh Octber, with the balance and accrued interest paid by check in early Nvember. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be paid nce a year in Nvember. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. There is n cmpunding f interest during the term f the accunt. Depsits can be autmatically transferred frm an F&M checking accunt r initiated by yu. T prcess the depsits by autmatic transfer, a signed authrizatin is necessary. The Autmatic Christmas Club accunt will be autmatically renewed at maturity. N withdrawals are allwed frm the Christmas Club accunt. A check is mailed t yu fr the principal plus accrued interest nce per year in Nvember. A $5.00 fee will be impsed fr clsing the accunt prir t Nvember. If accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Classic Checking Minimum balance t pen: $100. A Debit MasterCard is prvided. Free Debit Card Fraud Alerts. Free Basic Persnal Online Banking. Free Bill Pay. Free Mbile Banking and Text Banking. Member FDIC fmb.cm Rev. 7/15 11

12 Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. This accunt des nt pay interest. Fees $15 Mnthly Service Charge. Ways t Waive $15 Mnthly Service Charge with: $500 mnthly direct depsit r $1,500 average daily balance r $5,000 cmbined checking and savings average daily balance r 20 Debit Card transactins per mnth. $1.50 Nn-F&M ATM Transactin Fees per transactin. Other financial institutins and ATM peratrs may charge a surcharge fee fr use f their ATM, which is disclsed and debited at the time f yur transactin. Enrllment in estatements and entices must ccur t avid a paper statement service charge. A $3 paper statement fee will be assessed every mnth whenever a paper cpy f an accunt statement r ntice is mailed t yu r requested by yu during the mnth. Transfers Sweep Transactin: $9 per transactin Telephne Transactin: $10 per transactin A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Cllege Checking Fr 18 t 24 year ld students. F&M Bank reserves the right t verify enrllment at accunt pening. Minimum balance t pen: $25. A Debit MasterCard is prvided. Free Debit Card Fraud Alerts. Waived Nn-F&M ATM Transactin Fees. Other financial institutins and ATM peratrs may charge a surcharge fee fr use f their ATM, which is disclsed and debited at the time f yur transactin. Free Basic Persnal Online Banking. Free Bill Pay. Free Mbile Banking and Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. Free first Starter Pack f checks. This accunt des nt pay interest. On the primary accunt hlder's 25th birthday, the accunt will be cnverted t a Classic Checking Accunt. Fees $8 Mnthly Service Charge. Ways t Waive $8 Mnthly Service Charge: $250 Direct depsit r mre per mnth OR 15 debit card transactins per mnth. Member FDIC fmb.cm Rev. 7/15 12

13 N mnthly minimum balance fees. Enrllment in estatements and entices must ccur t avid a paper statement service charge. A $3 paper statement fee will be assessed every mnth whenever a paper cpy f an accunt statement r ntice is mailed t yu r requested by yu during the mnth. Transfers Sweep Transactin: $8 per transactin Telephne Transactin: $10 per transactin. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Cllege Checking clients are eligible t pen a Market Rate Savings Accunt with n quarterly minimum balance r withdrawal fees until they reach age 25. The minimum balance t pen the Market Rate Savings is $25. All ther terms f the Market Rate Savings Accunt are applicable. Elite Checking Fr cllege/trade/university students ages 18 t 24 years. Minimum balance t pen: $25. An Elite Debit MasterCard is prvided. N F&M ATM Fees when anther institutin s ATM is used. Other institutin s ATM fees apply and are set by the charging institutin. Online Banking included. Free Bill Pay up t 5 payments per mnth. Each additinal payment csts $0.50 per payment. Free estatements and entices. Free first rder f Mini-Pack Checks. Overdraft Features (certain restrictins apply). This accunt des nt pay interest. On the primary accunt hlder's 25th birthday, the accunt will be cnverted t a Persnal Checking Accunt. Fees N mnthly minimum balance fees. Enrllment in estatements and entices must ccur t avid a paper statement service charge. A $3 paper statement fee will be assessed every mnth whenever a paper cpy f an accunt statement r ntice is mailed t yu r requested by yu during the mnth. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Elite Checking clients are eligible t pen a Market Rate Savings Accunt with n quarterly minimum balance r withdrawal fees until they reach age 25. The minimum balance t pen the Market Rate Savings is $25. All ther terms f the Market Rate Savings Accunt are applicable. Gld Checking Minimum balance t pen: $100. A Gld Debit MasterCard is prvided. Free Debit Card Fraud Alerts. Member FDIC fmb.cm Rev. 7/15 13

14 Free Basic Persnal Online Banking. Free Bill Pay. Free Mbile Banking and Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Free Paper Statement upn request. 1 free, small Safe Depsit Bx fr 1 year up t $60 (based n availability). Unlimited Check Writing. Free Standard Bx f Checks fr the first year. Free Cashier s Checks, Mney Orders and Traveler s Cheques. Free Sweep and Telephne Transfers. Free Incming Dmestic Wire Transfers. Waived mnthly service charge fr 1 year n an additinal Gld Checking Accunt, then standard accunt requirements apply. 2 Free Savings Accunts fr 1 year, then standard accunt requirements apply. Interest n Checking available. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees $20 Mnthly Service Charge. Ways t Waive $20 Mnthly Service Charge: $5,000 minimum daily balance r $10,000 average daily balance r $50,000 cmbined checking and savings average daily balance. First 3 Nn-F&M ATM withdrawal fees waived per mnth, $1.50 per transactin thereafter. Other financial institutins and ATM peratrs may charge a surcharge fee fr use f their ATM, which is disclsed and debited at the time f yur transactin. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Health Savings Accunt (HSA) Minimum balance t pen: $100. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. Interest accrues n the business day the depsit is made including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Member FDIC fmb.cm Rev. 7/15 14

15 Interest is cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees One time set-up fee: $10. A minimum balance fee f $5 will be impsed every quarter if the average daily balance fr the quarter falls belw $1,000. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Interest n Checking (Business) Minimum balance t pen: $200. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t Accunt Analysis may be fund n the Accunt Analysis Schedule f Fees. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees A minimum balance fee f $12 will be impsed every mnth if the balance in the accunt falls belw $5,000 any day f the statement cycle. A per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $5,000 any day f the statement cycle. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Interest n Checking (Cnsumer) Minimum balance t pen: $100. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. Member FDIC fmb.cm Rev. 7/15 15

16 Fees A minimum balance fee f $5 will be impsed every mnth if the average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $0.30 per check charge will be impsed fr each transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) if the average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Individual Retirement Accunts (IRAs) (Traditinal r Rth) 6, 12, 18, 24, 36, 48 and 60 Mnth Market Rate IRAs Minimum balance t pen: $500. The interest rate and annual percentage yield fr yur accunt depend upn the applicable rate tier. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. The interest rate n the accunt will be paid until first maturity. Interest is cmpunded quarterly and credited t the accunt quarterly. The accunt will autmatically renew at maturity. Depsits may be made t the accunt in accrdance with yur IRA Plan disclsure. There is a 10 calendar day grace perid fllwing the maturity f the accunt t withdraw the funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if maturity is mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Market Rate Mney Market (Business) Minimum balance t pen: $200. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. Member FDIC fmb.cm Rev. 7/15 16

17 The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f the accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $8 will be impsed every mnth if the balance in the accunt falls belw $3,000 n any day in the mnth. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Market Rate Mney Market (Cnsumer) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $7 will be impsed every mnth if the balance in the accunt falls belw $2,500 n any day in the mnth. A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Market Rate Savings (Business) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. Member FDIC fmb.cm Rev. 7/15 17

18 The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $6 will be impsed every quarter if the average daily balance fr the quarter falls belw $300. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $3 withdrawal fee will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $2,000 any day f the quarter n withdrawals exceeding three per quarter. A $5 fee will be impsed if the accunt is clsed within 12 mnths f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Market Rate Savings (Cnsumer) Minimum balance t pen: $100. The interest rate structure fr this accunt is tiered based n the daily balance f the accunt. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $5 will be impsed every quarter if the average daily balance fr the quarter falls belw $200. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. Member FDIC fmb.cm Rev. 7/15 18

19 A $2 withdrawal fee will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $500 any day f the quarter n withdrawals exceeding three per quarter. A $5 fee will be impsed if the accunt is clsed within 12 mnths f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Elite Checking clients are eligible t pen a Market Rate Savings Accunt with a minimum balance f $25, with n quarterly minimum balance r withdrawal fees until they reach age 25. All ther Terms and Cnditins nted are applicable. Persnal Checking Minimum balance t pen: $100. This accunt des nt pay interest. Fees A minimum balance fee f $5 and a per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) every mnth if: The balance in the accunt falls belw $500 n any day f the mnth; OR The average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt each day f the perid and dividing that figure by the number f days in the perid. Platinum Checking A $10 fee will be impsed if the accunt is clsed within 90 days f the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Minimum balance t pen: $100. A Platinum Debit MasterCard is prvided. Free Debit Card Fraud Alerts. Waived Nn-F&M ATM Transactin Fees. Other financial institutins and ATM peratrs may charge a surcharge fee fr use f their ATM, which is disclsed and debited at the time f yur transactin. Free Basic Persnal Online Banking. Free Bill Pay. Free Mbile Banking and Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Free Paper Statement upn request. 1 free Safe Depsit Bx, any size fr 1 year (based n availability). Unlimited Check Writing. Free Premium Bx f Checks per year. Free Cashier s Checks, Mney Orders and Traveler s Cheques. Free Sweep and Telephne Transfers. Free Outging and Incming Dmestic Wire Transfers. Member FDIC fmb.cm Rev. 7/15 19

20 Waived mnthly service charge fr 1 year n unlimited, additinal Platinum Checking Accunts, then standard accunt requirements apply. 3 Free Savings Accunts fr 1 year, then standard accunt requirements apply. Tiered Interest Rates n Checking available. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right at any time t require n less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees $25 Mnthly Service Charge. Ways t Waive $25 Mnthly Service Charge: $15,000 minimum daily balance r $50,000 average daily balance r $100,000 cmbined checking and savings average daily balance. A cmplete schedule f ther accunt related fees can be fund n the Schedules f Fees. Senir Checking Fr ages 55+. Minimum balance t pen: $100. A Debit MasterCard is prvided. Free Debit Card Fraud Alerts. Free Basic Persnal Online Banking. Free Bill Pay. Free Mbile Banking and Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. 1 free, small Safe Depsit Bx fr 1 year up t $60 (based n availability). Unlimited Check Writing. Free 1 standard bx f checks per year. This accunt des nt pay interest. Fees $15 Mnthly Service Charge. Ways t Waive $15 Mnthly Service Charge: $250 Direct depsit r mre per mnth OR 10 debit card transactins per mnth. N mnthly minimum balance fees. $1.50 Nn-F&M ATM Transactin Fees per transactin. Other financial institutins and ATM peratrs may charge a surcharge fee fr use f their ATM, which is disclsed and debited at the time f yur transactin. Enrllment in estatements and entices must ccur t avid a paper statement service charge. A $3 paper statement fee will be assessed every mnth whenever a Member FDIC fmb.cm Rev. 7/15 20

Services and Fees. This document is current as 4/1/16.

Services and Fees. This document is current as 4/1/16. Services and This dcument is current as 4/1/16. Prduct terms, cnditins, benefits, pricing, and fees are subject t change with r withut ntice. Member FDIC fmb.cm Rev. 04/1/16 TABLE OF CONTENTS PERSONAL

More information

VCB ib@nking USER GUIDE FOR INDIVIUAL. VCB ib@nking USER GUIDE FOR INDIVIUAL (FOR INDIVIUAL)

VCB ib@nking USER GUIDE FOR INDIVIUAL. VCB ib@nking USER GUIDE FOR INDIVIUAL (FOR INDIVIUAL) VCB ib@nking USER GUIDE FOR INDIVIUAL (FOR INDIVIUAL) 1 Cntent Hw t access VCB-iB@nking: www.vietcmbank.cm.vn... 3 Lgin VCB-iB@nking... 4 Hme/ Navigatin:... 5 Inquiry accunt... 6 Payment... 12 Card management...

More information

Loan Application for Pre- Approval

Loan Application for Pre- Approval Lan Applicatin fr Pre- Apprval Get pre-apprved fr yur hme lan financing tday by cmpleting this applicatin. Please cmplete the entire applicatin and return with the dcumentatin requested n the attached

More information

Bill Payment Agreement & Disclosures

Bill Payment Agreement & Disclosures Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures

More information

Commercial Executive Summary

Commercial Executive Summary Cmmercial Executive Summary Sample Cpyright 2014 Infrma Research Services, Inc. www.infrmars.cm 800.848.0218 Table f Cntents Intrductin and Key Findings.. 3 Executive Summary. 4 Bank A..... 5 Bank B...

More information

Internet Banking Agreement and Disclosure Statement

Internet Banking Agreement and Disclosure Statement Internet Banking Agreement and Disclsure Statement This agreement cntains the terms and cnditins that gvern accessing r using Internet Banking (NetTeller), Bill Payment Services, Mbile Banking and On Demand

More information

The Dodd-Frank ACT lowered Points and Fees Thresholds for Section 32 and Qualified Mortgages.

The Dodd-Frank ACT lowered Points and Fees Thresholds for Section 32 and Qualified Mortgages. Whlesale Brker Acknwledgment & Electin Frm Pints and Fees fr Sectin 32 and QM and Lan Originatr Cmpensatin Sectin 32 s new expanded scpe f lans: The CFPB s 2013 HOEPA Rule expands the types f residential

More information

FAQs regarding our system upgrade

FAQs regarding our system upgrade FAQs regarding ur system upgrade 1) Q: Why are yu upgrading yur cre data prcessing system? A: An upgrade is the act f making smething better, such as an imprved experience r a human interactin. At Arsenal

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

Instructions: Bank of America:

Instructions: Bank of America: Instructins: 1. Print ut pages 2 and 3 frm this packet. Cmplete the frms t the best f yur ability. If yu have mre than ne persn that will be an wner n the bank accunts please print ut and cmplete Page

More information

Online Banking and Transfers Outside Bank of America Service Agreement and Electronic Disclosure

Online Banking and Transfers Outside Bank of America Service Agreement and Electronic Disclosure Online Banking and Transfers Outside Bank f America Service Agreement and Electrnic Disclsure Effective Date: April 7, 2016 Table f Cntents: 1. General Descriptin f Online Banking and Transfers Outside

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the

More information

Symantec User Authentication Service Level Agreement

Symantec User Authentication Service Level Agreement Symantec User Authenticatin Service Level Agreement Overview and Scpe This Symantec User Authenticatin service level agreement ( SLA ) applies t Symantec User Authenticatin prducts/services, such as Managed

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

High Deductible Health Plan/ Health Savings Account Presentation

High Deductible Health Plan/ Health Savings Account Presentation High Deductible Health Plan/ Health Savings Accunt Presentatin WHY CHANGE? Future plan structured s emplyees will think and act differently Prmte preventin and getting healthier Prmtes cnsumerism Current

More information

Dear Georgia Tech Retiree,

Dear Georgia Tech Retiree, Dear Gergia Tech Retiree, Open Enrllment is the ne pprtunity yu have each year t make changes t yur existing benefit cverage. The 2015 benefits Open Enrllment perid will be held Nvember 3, 2014 thrugh

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

SMSF Annual Accounts and Statutory Returns

SMSF Annual Accounts and Statutory Returns SMSF Annual Accunts and Statutry Returns Thank yu fr cnsidering SMSF Wrks t undertake the preparatin f yur fund s statutry accunts. We have attempted t utline the dcumentatin required t cmplete yur fund

More information

Office Use Only Account # Approved By:

Office Use Only Account # Approved By: Office Use Only Accunt # Apprved By: Dealer Applicatin Please cmplete and submit this applicatin alng with a cpy f yur (EIN) Federal Tax Id Number certificate befre placing yur 1 st rder. We will review

More information

Consumer ebanking Account and Services Agreement

Consumer ebanking Account and Services Agreement Cnsumer ebanking Accunt and Services Agreement Intrductin: As used in this agreement, the wrds yu and yur refer t the accunt hlder(s) and the wrds Bank, us, and we refer t CnnectOne Bank. Cnsumer ebanking:

More information

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released Page 1 f 11 APPROVED (S) REVISED / REVIEWED SUMMARY Versin Date Cmments / Changes 1.0 Initial plicy released 1. PURPOSE OF THIS POLICY T define the purpses fr which Crprate Purchase Cards are t be used

More information

Engineering Society Financial Handbook

Engineering Society Financial Handbook Engineering Sciety Financial Handbk Page 2 f 6 1.0 Welcme Welcme t banking with the Engineering Sciety! The purpse f this handbk is t prvide yu with all the details abut banking with the sciety. The sciety

More information

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000 U. S. Department f Husing and Urban Develpment Washingtn, D.C. 20410-8000 December 20, 2000 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER MORTGAGEE LETTER 00-46 TO: ALL APPROVED

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

NDB TRAVEL PAL. National Development Bank PLC. - Card Business -

NDB TRAVEL PAL. National Development Bank PLC. - Card Business - NDB TRAVEL PAL Natinal Develpment Bank PLC - Card Business - 1. What is NDB TravelPal Card? NDB TRAVELPAL is a pre-paid freign currency card that makes yur freign trips hassle-free and cnvenient. Yu can

More information

iphone Mobile Application Guide Version 2.2.2

iphone Mobile Application Guide Version 2.2.2 iphne Mbile Applicatin Guide Versin 2.2.2 March 26, 2014 Fr the latest update, please visit ur website: www.frte.net/mbile Frte Payment Systems, Inc. 500 West Bethany, Suite 200 Allen, Texas 75013 (800)

More information

State Bank Virtual Card FAQs

State Bank Virtual Card FAQs State Bank Virtual Card FAQs 1) What is State Bank Virtual Card? State Bank Virtual Card is a limit Debit card, which can be created using the State Bank Internet Banking facility fr ecmmerce (nline) transactins.

More information

OCEAN REEF PUBLIC SAFETY WELCOME CENTER BUSINESS REQUIREMENTS AND REGULATIONS PACKAGE

OCEAN REEF PUBLIC SAFETY WELCOME CENTER BUSINESS REQUIREMENTS AND REGULATIONS PACKAGE OCEAN REEF PUBLIC SAFETY WELCOME CENTER BUSINESS REQUIREMENTS AND REGULATIONS PACKAGE The Package includes: Business Requirements t Register Cntractrs Rules Prices O.R.C.A. I.D. Cards Requirements Day

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

CENTURIC.COM ONLINE DATA BACKUP AND DISASTER RECOVERY SOLUTION ADDENDUM TO TERMS OF SERVICE

CENTURIC.COM ONLINE DATA BACKUP AND DISASTER RECOVERY SOLUTION ADDENDUM TO TERMS OF SERVICE CENTURIC.COM ONLINE DATA BACKUP AND DISASTER RECOVERY SOLUTION ADDENDUM TO TERMS OF SERVICE This Agreement, named the Online Data Backup and Disaster Recvery Slutin Addendum t Centuric s Terms f Service

More information

Account Switch Kit. Locations. HACKLEBURG PO DRAWER A 34888 US HWY 43 HACKLEBURG, AL 35564 Phone: (205)395-1944 Fax: (205)935-3349

Account Switch Kit. Locations. HACKLEBURG PO DRAWER A 34888 US HWY 43 HACKLEBURG, AL 35564 Phone: (205)395-1944 Fax: (205)935-3349 Member FDIC "Hmetwn Banking... Accunt Switch Kit... Mving Made Easy" Lcatins HAMILTON PO BO 189 1281 MILITARY ST S HAMILTON, AL 35570 Phne: (205)921-9400 Fax: (205)921-9708 HACKLEBURG PO DRAWER A 34888

More information

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information

UW Tacoma Cashier s Office Orientation. Tuition and Fee Payments Authorization Release Other Important Information

UW Tacoma Cashier s Office Orientation. Tuition and Fee Payments Authorization Release Other Important Information UW Tacma Cashier s Office Orientatin Tuitin and Fee Payments Authrizatin Release Other Imprtant Infrmatin Presented by Finance and Administratin CAR 400 Carltn Center 1551 Bradway This is where yu will

More information

MDSB. MemberDirect Small Business. User Guide

MDSB. MemberDirect Small Business. User Guide MDSB MemberDirect Small Business User Guide Table f Cntents Small Business Upgrade... 1 Member Lgin... 3 Delegate Manager... 3 Add a Delegate... 4 Edit a Delegate... 6 Reset a Delegate s Access and /r

More information

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS 1. Structure 1.1 When we engage in cfd r spt frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The CFD and Spt Frex Terms deal with matters

More information

Merchant Processes and Procedures

Merchant Processes and Procedures Merchant Prcesses and Prcedures Table f Cntents EXHIBIT C 1. MERCHANT INTRODUCTION TO T-CHEK 3 1.1 Wh is T-Chek Systems? 3 1.2 Hw t Cntact T-Chek Systems 3 1.3 Hw t Recgnize T-Chek Frms f Payment 3 1.3.1

More information

CLIENT AGREEMENT School Based Trainees

CLIENT AGREEMENT School Based Trainees Smart Emplyment Slutins Ltd t/as Hassle Free Apprentice Management Versin: 04 Date: 01/15 Smart Emplyment Slutins trading as Hassle Free Apprentice Management (ACN 067 508 338) (ABN 68 067 508 338) Email:

More information

Virginia Electronic Filing Software Partner Agreement

Virginia Electronic Filing Software Partner Agreement Virginia Electrnic Filing Sftware Partner Agreement Fr Tax Year 2015 Due Nvember 15, 2015 The fllwing agreement must be cmpleted and signed by an authrized representative f each sftware cmpany befre that

More information

Skrill Merchant Services Application Form

Skrill Merchant Services Application Form Skrill Merchant Services Applicatin Frm Skrill Merchant Services Applicatin Frm (the Applicatin ) shuld be signed by r n behalf f the Merchant. It is very imprtant that the Merchant has read the Applicatin

More information

COMMERCIAL LOAN APPLICATION PACKAGE

COMMERCIAL LOAN APPLICATION PACKAGE COMMERCIAL LOAN APPLICATION PACKAGE COMMERCIAL LOAN REQUEST FORM Infrmatin Checklist The fllwing checklist will help yu gather the necessary infrmatin fr the initial evaluatin f yur cmmercial lan request.

More information

Skrill Merchant Services Application Form

Skrill Merchant Services Application Form Skrill Merchant Services Applicatin Frm Skrill Merchant Services Applicatin Frm (the Applicatin ) shuld be signed by r n behalf f the Merchant. It is very imprtant that the Merchant has read the Applicatin

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS Only the Ministry f Training, Clleges & Universities can cnsider clearance reviews fr mst ther student restrictin issues. These

More information

Durango Merchant Services QuickBooks SyncPay

Durango Merchant Services QuickBooks SyncPay Durang Merchant Services QuickBks SyncPay Gateway Plug-In Dcumentatin April 2011 Durang-Direct.cm 866-415-2636-1 - QuickBks Gateway Plug-In Dcumentatin... - 3 - Installatin... - 3 - Initial Setup... -

More information

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference Understanding Federal Direct Cnslidatin Lans 2012 Spring MASFAA Cnference UNDERSTANDING FEDERAL DIRECT & SPECIAL CONSOLIDATION LOANS Amy M. Mser, Reginal Directr Nelnet Educatin Lan Services 2 Nelnet Educatin

More information

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms UBC Restricted Faculty Secnd Mrtgage Lan Prgram Descriptin f Key Terms Updated February 4, 2014 The Restricted Resale Capped Appreciatin Prgram is ne f tw ptins in UBC s Hme Ownership Prgram intended t

More information

o I hereby request a total SURRENDER of my contract/certificate (please enclose).

o I hereby request a total SURRENDER of my contract/certificate (please enclose). Distributin Request Frm Prtective Life Insurance Cmpany (PLICO/"the Cmpany") Prtective Life and Annuity Insurance Cmpany (PLAIC/"the Cmpany") Cntract Owner Custmer Service Office: Cntract Annuitant P.O.

More information

Preventing Identity Theft

Preventing Identity Theft Preventing Identity Theft Each year, millins f Americans have their identity stlen. ENG Lending wants yu t have the infrmatin yu need t prtect yurself against identity theft. While there are n guarantees

More information

Systems Support - Extended

Systems Support - Extended 1 General Overview This is a Service Level Agreement ( SLA ) between and the Enterprise Windws Services t dcument: The technlgy services the Enterprise Windws Services prvides t the custmer. The targets

More information

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe LASA Lans and Savings Abertawe Swansea s Credit Unin Lan Applicatin Frm Frequently Asked Questins YOUR QUESTIONS ANSWERED PLEASE READ CAREFULLY Hw much can I brrw? The amunt f any lan granted is subject

More information

GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA

GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PROVISIONAL) (SUBCLASS 188) VISA BUSINESS INNOVATION STREAM The Australian Capital Territry

More information

CFD and Spot Forex Terms: Deposit Accounts

CFD and Spot Forex Terms: Deposit Accounts CFD and Spt Frex Terms: Depsit Accunts 1. Structure 1.1 When we engage in CFD r Spt Frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electrnic Funds Transfer Agreement is the cntract which cvers the respnsibilities cncerning the electrnic funds transfer ( EFT ) services ffered

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

Agency Fund (Non-Student Org X-Fund) Guidelines Last Revision: 12/7/2009

Agency Fund (Non-Student Org X-Fund) Guidelines Last Revision: 12/7/2009 Agency Fund (Nn-Student Org X-Fund) Guidelines Last Revisin: 12/7/2009 Definitin f Agency Fund: An Agency Fund cnsists f funds held by Eastern Michigan University as custdian r fiscal agent fr thers, such

More information

About these Guidelines. Business Innovation Stream. Nomination Criteria

About these Guidelines. Business Innovation Stream. Nomination Criteria GUIDELINES FOR APPLYING FOR AUSTRALIAN CAPITAL TERRITORY (ACT) NOMINATION OF A BUSINESS INNOVATION AND INVESTMENT (PERMANENT) (SUBCLASS 888) VISA BUSINESS INNOVATION STREAM The Australian Capital Territry

More information

Payment Options Check Payable to Account Holder* Electronic Funds Transfer (ACH) $5.00 Maintain IRA with The Bancorp (contact us for options)

Payment Options Check Payable to Account Holder* Electronic Funds Transfer (ACH) $5.00 Maintain IRA with The Bancorp (contact us for options) Dear Custmer: Thank yu fr cntacting Custmer Care regarding the clsure f yur Individual Retirement Accunt (IRA). In rder t prcess yur request, please cmplete the enclsed Request fr Distributin frm. Yu may

More information

Improved ADP and ACP Safe Harbor Plan Designs

Improved ADP and ACP Safe Harbor Plan Designs Imprtant Infrmatin Plan Administratin and Operatin April 2000* Imprved ADP and ACP Safe Harbr Plan Designs WHO'S AFFECTED This infrmatin applies t defined cntributin plans with a 401(k) feature r emplyer

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

Convenience Fees BEST PRACTICES FOR MERCHANT USE OF CONVENIENCE FEES:

Convenience Fees BEST PRACTICES FOR MERCHANT USE OF CONVENIENCE FEES: Cnvenience Fees This publicatin includes Card Acceptance Guide language n Best Practices fr Merchant Use f Cnvenience Fees in additin t addressing specific differences by card brand and special circumstances

More information

Wire Transfer Request

Wire Transfer Request Wire Transfer Request Requirements and Instructins OFFICE OF DISBURSEMENTS Categry: Dcument Name: Payment Prcessing Wire Transfer Request - Requirements and Instructins Respnsible Department: Office f

More information

PROCESSING THROUGH MPS and AVIMARK

PROCESSING THROUGH MPS and AVIMARK Befre using McAllister Payment Slutins (MPS) as yur pint-f-sale and/r integrated credit card prcess slutin, the McAllister Payment Slutins PA- DSS Implementatin Guide must be reviewed in its entirety.

More information

New OCI Miscellaneous Toronto Jurisdiction Checklist MANDATORY DOCUMENTS REQUIRED FOR INDIVIDUAL APPLICANTS COUNTER POSTAL APPLICATION

New OCI Miscellaneous Toronto Jurisdiction Checklist MANDATORY DOCUMENTS REQUIRED FOR INDIVIDUAL APPLICANTS COUNTER POSTAL APPLICATION APPLICANT S NAME PASSPORT NUMBER www.blsindia-canada.cm REQUISITE DOCUMENTS FOR NEW OCI MISCELLANEOUS TORONTO JURISDICTION SUBMISSION OFFICER DATE MANDATORY DOCUMENTS REQUIRED FOR INDIVIDUAL APPLICANTS

More information

Financial Planning Agreement

Financial Planning Agreement Financial Planning Agreement This Financial Planning Agreement, the ( Agreement ), dated as f, 20, is by and between Vulcan Investments LLC, 2100 SuthBridge Pkwy, Suite 650 Birmingham, AL. 35209, an investment

More information

GUIDELINES LICENSING OF FINANCIAL INSTITUTIONS

GUIDELINES LICENSING OF FINANCIAL INSTITUTIONS GUIDELINES FOR THE LICENSING OF FINANCIAL INSTITUTIONS IN TRINIDAD AND TOBAGO UNDER THE FINANCIAL INSTITUTIONS ACT, 1993 I. DEFINITIONS: Institutins may be licensed under the Financial Institutins Act,

More information

expertise hp services valupack consulting description security review service for Linux

expertise hp services valupack consulting description security review service for Linux expertise hp services valupack cnsulting descriptin security review service fr Linux Cpyright services prvided, infrmatin is prtected under cpyright by Hewlett-Packard Cmpany Unpublished Wrk -- ALL RIGHTS

More information

HSBC Online Home Loan Application Process

HSBC Online Home Loan Application Process HSBC Online Hme Lan Applicatin Prcess Versin 1.0 Nvember 2005 Cpyright. HSBC Bank Australia Limited 2005 ALL RIGHTS RESERVED N part f this publicatin may be reprduced, stred in a retrieval system, r transmitted,

More information

UNIVERSITY OF WINCHESTER

UNIVERSITY OF WINCHESTER UNIVERSITY OF WINCHESTER INTRODUCTION DEBT MANAGEMENT POLICY: STUDENTS ACADEMIC YEAR 15/16 This dcument sets ut the plicy f the University in relatin t student debt, alng with the debt management prcedures

More information

Columbine Federal Credit Union ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE

Columbine Federal Credit Union ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE Clumbine Federal Credit Unin ONLINE BANKING/ BILL PAYMENT AGREEMENT & DISCLOSURES AND PRIV ACY DISCLOSURE 1. Online Banking/Bill Payment 2. Online Banking/ Bill Payment Limitatins 3. Online Bill Payment

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

Electronic Data Interchange (EDI) Requirements

Electronic Data Interchange (EDI) Requirements Electrnic Data Interchange (EDI) Requirements 1.0 Overview 1.1 EDI Definitin 1.2 General Infrmatin 1.3 Third Party Prviders 1.4 EDI Purchase Order (850) 1.5 EDI PO Change Request (860) 1.6 Advance Shipment

More information

For a quick review on any of the above options, scroll down to review the desired update in this latest updates document.

For a quick review on any of the above options, scroll down to review the desired update in this latest updates document. Latest Update Dcument Accunts Payable Versin 2014.3.9.1 The fllwing updates are included in this dcument: Backup Withhlding Optin t Print r Nt Print Direct Depsit Reciepts Optin t Print r Nt Print ACH

More information

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING.

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING. Frequently Asked Questins My applicatin fr an ING lan has been accepted. S, where d I have t g t sign the agreements? What is the minimum term fr an instalment lan? What is the maximum term fr an instalment

More information

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse

More information

BROKER GUIDE TO LOAN ESTIMATE GENERATOR (LEG)

BROKER GUIDE TO LOAN ESTIMATE GENERATOR (LEG) BROKER GUIDE TO LOAN ESTIMATE GENERATOR (LEG) This guide is intended t prvide step by step instructins n inputting a lan int the Lan t prduce a Lan Estimate. I. Lgin t HmeBridge Prtal Fr best results,

More information

Implementing SQL Manage Quick Guide

Implementing SQL Manage Quick Guide Implementing SQL Manage Quick Guide The purpse f this dcument is t guide yu thrugh the quick prcess f implementing SQL Manage n SQL Server databases. SQL Manage is a ttal management slutin fr Micrsft SQL

More information

Health Savings Accounts (HSAs) Distribution Rules

Health Savings Accounts (HSAs) Distribution Rules Brught t yu by Haylr, Freyer & Cn, Inc. Health Savings Accunts (HSAs) Distributin Rules A Health Savings Accunt (HSA) is a trust r accunt used t pay medical expenses that a high deductible health plan

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

ADMINISTRATION AND FINANCE POLICIES AND PROCEDURES TABLE OF CONTENTS

ADMINISTRATION AND FINANCE POLICIES AND PROCEDURES TABLE OF CONTENTS CONTROL Revisin Date: 1/21/03 TABLE OF CONTENTS 10.01 OVERVIEW OF ACCOUNTING FOR INVESTMENT IN PLANT... 2 10.01.1 CURRENT POLICY... 2 10.02 INVENTORY MAINTENANCE AND CONTROL... 3 10.02.1 PROCEDURES FOR

More information

Scotiabank Group Privacy Agreement

Scotiabank Group Privacy Agreement Sctiabank Grup Privacy Agreement Last revised Octber 2010 Yur privacy is imprtant t Sctiabank. This Agreement sets ut the infrmatin practices fr Sctiabank Grup Members in Canada, including what type f

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

Third Party Originator Application

Third Party Originator Application Third Party Originatr Applicatin Applicant Infrmatin Third Party Name: Primary Address: City: State: Zip Cde: Primary Cntact: Telephne Number: Email Address: Fax Number: Website Address: Branch Lcatins

More information

Dodd-Frank Report on Seller Financing

Dodd-Frank Report on Seller Financing Ddd-Frank Reprt n Seller Financing December 10, 2013 Published by Glbal Publishing Inc. 9799 Old St. Augustine Rd. Jacksnville, FL 32257 p. 904-262-0491 f. 904-262-1464 VIPServices@GlbalPublishinginc.cm

More information

Application Submission Checklist To Mutual of Omaha For Medicare Supplement Coverage NEW YORK

Application Submission Checklist To Mutual of Omaha For Medicare Supplement Coverage NEW YORK Mutual f Omaha Insurance Cmpany P.O. Bx 3608 Omaha, Nebraska 68103-3608 Applicatin Submissin Checklist T Mutual f Omaha Fr Medicare Supplement Cverage NEW YORK THIS APPLICATION MUST BE USED TO WRITE MUTUAL

More information

95 Executive Parkway, Suite 500 Hudson, OH 44236. Ohio STS Prices December 2014

95 Executive Parkway, Suite 500 Hudson, OH 44236. Ohio STS Prices December 2014 95 Executive Parkway, Suite 500 Hudsn, OH 44236 Ohi STS Prices December 2014 Table f Cntents Histric Review, Recveries & Savings... 2 Statements... 2 Duplicate & Errneus Payments... 2 Cntract Cmpliance...

More information

Online Banking Terms and Conditions (Agreement)

Online Banking Terms and Conditions (Agreement) Online Banking Terms and Cnditins (Agreement) The Online Banking Agreement ("Agreement") describes yur rights and bligatins as a user f the Online Banking services ("Service"). It als describes the rights

More information

CFD and Spot Forex Terms: Deposit Accounts

CFD and Spot Forex Terms: Deposit Accounts CFD and Spt Frex Terms: Depsit Accunts 1. Structure 1.1 When we engage in CFD r Spt Frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The

More information

Attachment 2 BID PROPOSAL SUBMISSION GUIDE OCTOBER 2014 SOLICITATION

Attachment 2 BID PROPOSAL SUBMISSION GUIDE OCTOBER 2014 SOLICITATION Attachment 2 BID PROPOSAL SUBMISSION GUIDE OCTOBER 2014 SOLICITATION 1. Cntact Us If yu encunter difficulties in submitting yur Bid Prpsals nline, please cntact us: 2. Intrductin The PPL Electric RFP Team

More information

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University.

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University. University f Stirling Student Payment Plicy 1. Intrductin This dcument sets ut the University s plicy in relatin t the cllectin f student fees and charges payable t the University by current and frmer

More information