Business Account Information

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1 Business Account Information Who We Are? Questions? What? Customers Bank Call or go to This disclosure explains the terms of deposit accounts. What the annual percentage yield is on an account How we compound and credit the interest How we determine the rate on the account How often the rate can change The minimum opening deposit for the account The minimum balance to avoid being charged a fee This information will include: What will happen to accrued interest when the account is closed How we calculate the balance on the account The minimum balance to earn the APY When interest begins to accrue Other applicable fees Any transaction limitations on the account Checking Accounts Small Business Checking The interest rate on your account is The annual percentage yield is To open this account, you must deposit a minimum of $50.00 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to No transaction limitations apply The interest rate on your account is 0.15% The annual percentage yield is 0.15% Non-Profit Interest Checking Yes, this is a variable rate account. At any time To open this account, you must deposit a minimum of $50.00 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to Effective 06/12 Revised 06/15

2 Business Account Information Property Management Checking The interest rate on your account is The annual percentage yield is To open this account, you must deposit a minimum of $0.01 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to No transaction limitations apply The interest rate on your account is 0.15% The annual percentage yield is 0.15% Business Escrow Checking To open this account, you must deposit a minimum of In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to Yes, this is a variable rate account. At any time Effective 06/12 Revised 06/15

3 Business Account Information Government Deposit Non-Interest DDA The interest rate on your account is The annual percentage yield is To open this account, you must deposit a minimum of $50.00 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to No transaction limitations apply The interest rate on your account is 0.10% The annual percentage yield is 0.10% Government Deposit Interest DDA Yes, this is a variable rate account. At any time To open this account, you must deposit a minimum of $50.00 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to Effective 06/12 Revised 06/15

4 Business Account Information Customers Bank Business Analysis Checking Account Payment of fees and expenses: By using the Business Analysis Checking Accounts business customers may pay for part or all of their banking fees using Earnings Credit Allowance that is calculated on the average daily collected balances in the Account. The Bank will directly debit your Account on the 15th of each month for Bank fees and other charges incurred in connection with your Account during the previous month s activity. If there are insufficient available funds in your Account to cover checks and other debits, the Bank may, at its discretion, create an overdraft on your Account. You agree to promptly repay any overdrawn amount. Balance Assessment: The Bank may impose a balance assessment fee on the average daily collected balance of your account each monthly statement cycle. Earnings Credit Allowance: The Business Analysis Checking Account does not earn interest. However, you will receive an Earning Credit Allowance each month that is used to offset certain monthly activity charges. If the Earning Credit Allowance is less than the monthly activity charges, you will be assessed a service charge for the difference. If the Earning Credit Allowance is greater than or equal to the monthly activity charges, no service charge will be assessed. The Earning Credit Allowance is set by the bank each month based on market conditions. The Earning Credit Allowance is based on the average daily collected balance; however, the Bank may apply a reserve holdback as market/regulatory conditions permit or require. Any excess Earning Credit Allowance may not be carried over to the following month. Schedule of Fees Account Research Fee $25 Business Analysis Account Non-Sufficient Funds (NSF) $40 Business Analysis Account Uncollected Funds (UCF) $40 Canadian Foreign Collection Item $10 Cashier s Check $10 Certified Check $10 Non-Canadian Foreign Collection Item $35 Replacement ATM/Debit Card $5 Safe Deposit Box Inventory (Hourly charge. Minimum charge one hour) $25 Safe Deposit Box Late Payment (monthly) $5 Safe Deposit Box Lost Key Replacement $10 Other fees for the other service will be provided by your Cash Management Sales officer or Relationship Manager at account opening in your Pricing Proposal. Furthermore, we reserve the right to impose additional or increase fees for banking service in the future. You will be notified you of any increases in fees in the manner and to the extent required by law. Your use of the Account after the effective date of any fee changes shall constitute your approval of revised fees. Earning Credit Allowance Calculation: The formula used to calculate the Earning Credit Allowance is: Earning Credit Allowance is calculated by taking the Average Daily Collected Balance for the month less the Reserve Requirement, multiplied by the Earnings Credit Allowance Rate, divided by the days of the year and times the days in the month. Effective 06/12 Revised 06/15

5 Business Account Information Money Markets The interest rate on your account is The annual percentage yield is Business Money Market If your daily balance is $999 or less, the interest paid on the entire balance will be 0%. If your daily balance is $1,000 or greater, but less than $10,000.00, the interest rate paid on the entire balance will be 0.20%. If your daily balance is $10, or greater, but less than $25,000.00, the interest rate paid on the entire balance will be 0.35% If your daily balance is $25, or greater, but less than $50,000.00, the interest rate paid on the entire balance will be 0.40% If your daily balance is $50, or greater, but less than $500,000.00, the interest rate paid on the entire balance will be 0.40% If your daily balance is $500, or greater, the interest paid on the entire balance will be 0.40% If your daily balance is $999 or less, the yield will be 0%. If your daily balance is $1,000 or greater, but less than $10,000.00, the yield will be 0.20%. If your daily balance is $10, or greater, but less than $25,000.00, the yield will be 0.35% If your daily balance is $25, or greater, but less than $50,000.00, the yield will be 0.40% If your daily balance is $50, or greater, but less than $500,000.00, the yield will be 0.40% If your daily balance is $500, or greater, the yield will be 0.40% Yes, this is a variable rate account. At any time To open this account, you must deposit a minimum of $50.00 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to A minimum balance of $1,000 at all times. If you do not, a monthly $10 fee will be assessed. See The annual percentage yield is section above for the annual percentage yield and its corresponding required balance. Six (6) transfers from the 15 th of one month to the 15 th of the next month to another account at Customers Bank or to third parties by means of a preauthorized transfer, or telephonic (including data transmission) agreement, order or instruction (check, draft, etc), or by debit card, or similar order. Please see the Limitations on Preauthorized Transfers section of the Customers Bank Account Agreement for additional information. Effective 06/12 Revised 06/15

6 Business Account Information The interest rate on your account is 0.25% The annual percentage yield is 0.25% Government Deposit Money Market Yes, this is a variable rate account. At any time To open this account, you must deposit a minimum of $50.00 In order to earn the annual percentage yield, you must maintain Transactions on this account are limited to See The annual percentage yield is section above for the annual percentage yield and its corresponding required balance. Six (6) transfers from the 15 th of one month to the 15 th of the next month to another account at Customers Bank or to third parties by means of a preauthorized transfer, or telephonic (including data transmission) agreement, order or instruction (check, draft, etc), or by debit card, or similar order. Please see the Limitations on Preauthorized Transfers section of the Customers Bank Account Agreement for additional information. Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 Effective June 1, 2010 The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined by the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As defined in Regulation GG, unlawful Internet gambling means to place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made. As a customer of Customers Bank, theses restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so. Effective 06/12 Revised 06/15

7 Truth In Savings Making Informed Decisions About Your Accounts Who We Are? Questions? Why? Customers Bank Call or go to Regulation DD, also known as the Truth In Savings Act, requires Banks to disclose the terms of deposit accounts to consumers so that they can make informed decisions. What? This disclosure explains the terms of deposit accounts. What the annual percentage yield (APY) is on an account How we compound and credit the interest How we determine the rate on the account How often the rate can change The minimum opening deposit for the account The minimum balance to avoid being charged a fee This information will include: What will happen to accrued interest when the account is closed How we calculate the balance on the account The minimum balance to earn the APY When interest begins to accrue Other applicable fees Any transaction limitations on the account Certificates of Deposit (CDs) For all Certificates of Deposit (CDs) and IRA CDs Transactions are limited in the following way: You may not make any deposits into your account before maturity. You may only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. You may not make withdrawals of principal from your account before maturity. Under certain circumstances such as the death or incompetence of an owner of this account the law may permit or require that a withdrawal be allowed. In this case, such a withdrawal will be permitted. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings plan. Under certain circumstances, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings plan. In addition to the circumstances described above, at our sole discretion, we may also consent to a request for a withdrawal of principal during the term. In that event, an early withdrawal penalty will be assessed as described in the associated product s description. The interest rate on your account is 0.25% The annual percentage yield is 0.25% 3 Month CD No, you will be paid this rate for three (3) months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity Three (3) months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

8 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is The annual percentage yield is 4 Month CD Not Currently Offered Not Currently Offered Not Currently Offered No, you will be paid this rate for four (4) months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity Four (4) months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is 0.35% The annual percentage yield is 0.35% 6 Month CD No, you will be paid this rate for six (6) months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ On the business day which it is deposited The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity Six (6) months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

9 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is The annual percentage yield is 8 Month CD Not Currently Offered Not Currently Offered Not Currently Offered No, you will be paid this rate for eight (8) months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity Eight (8) months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is 0.50% The annual percentage yield is 0.50% 9 Month CD No, you will be paid this rate for nine (9) months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity Nine (9) months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

10 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is The annual percentage yield is 10 & 11 Month CD Not Currently Offered 10 Month CD Not Currently Offered 11 Month CD Not Currently Offered 10 Month CD Not Currently Offered 11 Month CD Not Currently Offered 10 Month CD - No, you will be paid this rate for 10 months. 11 Month CD - No, you will be paid this rate for 11 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity. 10 Month CD - 10 months from the date the CD is opened 11 Month CD 11 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is 0.60% The annual percentage yield is 0.60% 12 Month CD No, you will be paid this rate for 12 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 12 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

11 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is 0.65% The annual percentage yield is 0.65% 13 Month CD No, you will be paid this rate for 13 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ Transactions on this account are limited to The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 13 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is The annual percentage yield is 14 Month CD Not Currently Offered Not Currently Offered Not Currently Offered No, you will be paid this rate for 14 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 14 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

12 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is The annual percentage yield is 15 Month CD Not currently Offered Not currently offered Not currently offered No, you will be paid this rate for 15 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 15 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is 0.70% The annual percentage yield is 0.70% 18 Month CD No, you will be paid this rate for 18 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 18 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

13 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is 0.85% The annual percentage yield is 0.85% 24 Month CD No, you will be paid this rate for 24 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 24 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is The annual percentage yield is 27 Month CD Not Currently Offered Not Currently Offered Not Currently Offered No, you will be paid this rate for 27 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 27 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

14 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is 1.04% The annual percentage yield is 1.05% 30 Month CD No, you will be paid this rate for 30 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 30 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is 1.24% The annual percentage yield is 1.25% 35 Month CD No, you will be paid this rate for 36 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 35 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

15 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is 0.80% The annual percentage yield is 0.80% 36 Month CD No, you will be paid this rate for 36 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 36 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. The interest rate on your account is 1.34% The annual percentage yield is 1.35% 48 Month CD No, you will be paid this rate for 48 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 48 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

16 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is 1.59% The annual percentage yield is 1.60% 60 Month CD No, you will be paid this rate for 60 months. To open this account, you must deposit a minimum of $ In order to earn the annual percentage yield, you must maintain $ The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity 60 months from the date the CD is opened If we consent to a request for a withdrawal of principal during the term, a penalty equal to 365 days of interest based on the principal at the beginning of the CD term may be imposed. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal prior to maturity will reduce earnings. This account will automatically renew at maturity. You will have ten calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

17 Truth In Savings Making Informed Decisions About Your Accounts The interest rate on your account is The annual percentage yield is Various Term DST CDs Available only to Schools and other Government Agencies 3 Month 6 Month 9 Month 12 Month 18 Month 24 Month 36 Month 48 Month 60 Month 3 Month 6 Month 12 Month 18 Month 24 Month 36 Month 48 Month 60 Month 0.55% 0.60% 0.70% 0.75% 0.90% 1.19% 1.29% 1.49% No, you will be paid this rate for the term of your CD. At maturity To open this account, you must deposit a minimum of $100, In order to earn the annual percentage yield, you must maintain The maturity date will be Early withdrawal penalties Withdrawal of interest prior to maturity Renewal at maturity Accrued interest will not be paid Using the daily balance computation method. This method applies a daily periodic rate to the Please see Certificate of Deposit If we consent to a request for a withdrawal of principal during the term, a penalty equal to three (3) months (actual days) of interest based on the principal at the beginning of the CD term may be imposed. This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. Effective 06/12 Revised 06/15

18 Account reconciliation/research (Hourly charge. Minimum charge one hour) CUSTOMERS BANK FEE SCHEDULE $25.00 Bond Coupon $10.00 Business Account Non-Sufficient Funds (NSF)* $40.00 Business Account Uncollected Funds (UCF)* $40.00 Canadian Foreign Collection Item $10.00 Cash Advance 1% of amount Cashier s Check $10.00 Certified Check $10.00 Check Copy $5.00 Court Attachments/Levy $75.00 (Plus Attorney s fees) Domestic Outgoing Wire Transfer $20.00 Excess Transaction (Money Market/Savings Accounts)* $5.00 Incoming Wire Transfer $10.00 International Outgoing Wire Transfer $45.00 Non-Canadian Foreign Collection Item $35.00 Overdraft Transfer $5.00 Personal Account Non-Sufficient Funds (NSF) * ** $20.00 Personal Account Uncollected Funds (UCF) * ** $20.00 Replacement ATM/Debit Card $5.00 Returned Check $10.00 Safe Deposit Box Inventory (Hourly charge. Minimum charge one hour) $25.00 Safe Deposit Box Late Payment (monthly) $5.00 Safe Deposit Box Lost Key Replacement $10.00 Statement Copy $5.00 Stop Payment $20.00 Telephone Transfer $2.00 * Fee applies to transactions created by check, in-person withdrawal, or non-atm/non-debit electronic means. ** Effective 03/24/14 - $100 per day per account maximum. Effective 04/15/14 If a check is presented for payment that will overdraw your account by $5 or less, this fee will not be assessed. Revised 03.14

19 CUSTOMERS BANK BUSINESS BANK ACCOUNT AGREEMENT This Account Agreement ( Agreement ) contains the services available to you as a Customers Bank customer. The terms we, us and our refer to Customers Bank. The terms you and your refer to the business and anyone with authority to conduct transactions on or exercise control over the account. In addition to this agreement, your account is also governed by the signature card you signed and any other applicable disclosures provided to you. If you opened a certificate of deposit, it will also describe certain terms and conditions regarding such account. You should retain a copy of this Agreement, the disclosures, the Fee Schedule and all product information and feel free to ask questions about them. You should substitute any later updated versions of the documents when you receive them. Scope of Agreement This Agreement covers all types of business deposit accounts that we offer, now or in the future, including checking account type products, savings accounts (including money market account products) and certificates of deposit. The Agreement does not cover safe deposit boxes, trust services, credit cards and non-deposit investment products. Interest If you have an account that earns interest, unless otherwise required by law or provided for in our policy, interest begins to accrue on the day of deposit. Account Ownership and Signature Requirements Business Account If your account is a business account, any individual designated as an authorized signer on the most current signature card may conduct all transactions on your account unless transaction authority is otherwise restricted by a document provided to us such as a corporate resolution. This means that we may pay all or any part of the account balance to any one of you and pay checks signed by any one of you. We may also honor withdrawals, orders or other requests from any one of you. Any one of you may place a stop payment on any item. Each of you guarantees the signature of the other and authorizes the other to endorse for deposit and/or cash any item. Either of you may appoint someone to act for you on the account (an agent or attorney-in-fact), but we may require the consent of all of you to the appointment. If one of you dies, we may continue to pay checks signed by, and honor withdrawals, orders or other requests by an authorized signer or any one of you who survives. If we receive written notice from any one of you or any authorized signer on the account not to permit withdrawals, or if we receive conflicting instructions from each of you, we may freeze (refuse to permit withdrawals or transfers from) the account. The account may be frozen until we receive written notice, signed by all of you (including all authorized signers), as to the disposition of the funds. Notice from us to any one of you is notice to all of you. Transfer of Ownership If you wish to add a signer to, remove a signer from, or otherwise change authority on an account, we may require that the account be closed and a new account be opened with the names of the new authorized signers. You may not transfer or assign your account without our prior written consent. We must approve any assignment or pledge of your account as security for a debt you owe. Any assignment or pledge of your account remains subject to our right of set-off and security interest. No pledge or assignment for security purposes will become effective until we have recorded it in our files. Revised 08/14

20 Facsimile Signatures If you use a stamp, computer technology, digital or other electronic means, or another device to imprint a facsimile of your signature on a check, withdrawal slip, or other form, you accept complete responsibility for maintaining security over any such signature device and are fully responsible for the use of the signature device even if you are not negligent. You are also fully responsible for the signature which appears on any item presented to us for payment regardless of who used the signature device or how the facsimile signature came to be placed on the check, withdrawal slip or other form. Any check, withdrawal slip or other form containing a facsimile signature will be effective as your signature or endorsement, whether or not the person who used the signature device was properly authorized to use it. If you use a signature device, you will deliver a sample to us before its first use. Deposits and Collection of Items You may make deposits to your account in person at any Customers Bank Office or at automated teller machines (ATMs) that accept deposits to your account. You may also make deposits by mail. We may make other methods of making deposits available to you for your convenience. We are not responsible for transactions by mail or outside our offices until we actually record them. In receiving any item (such as a check, draft or Automated Clearing House ( ACH ) credit) for deposit or collection, we will process the item in order to collect payment of it. We do not, however, become the owner of the item and will not be responsible beyond the exercise of ordinary care. If you receive any item payable to you with any endorsement missing, we may endorse it for you and deposit it in your account. We are not required to accept items that contain more than one endorsement., we may limit the amount that may be deposited or refuse or return any deposit. You agree to reimburse us for any loss we incur because an item was not endorsed exactly as it was made out and to pay any fee we may impose. If after we received final payment of an item a third party claims that the item was altered, bore a forged or unauthorized endorsement, was counterfeit, or was otherwise not properly payable, we may withhold the amount of the item from your account until a final determination has been made of the claim. We will not be liable to you for our actions. We may adjust your account in our sole discretion to correct computation, transaction recording or other errors. We will not be liable for errors, mistakes or negligence by other banks that process any items. We will not be liable if the item is lost in transit or there is a delay in payment of the item. We may charge you a fee if you deposit a check to your account which is returned to us because there are insufficient funds to pay the check, the check is written against uncollected funds or other similar situations. (See Fee Schedule.) Endorsement Standards If you cash or deposit a check, your endorsement must appear on the back of the check within the first 1 ½ inches from the left side of the check when looking at it from the front. You may not include any other information in the remaining area on the back of the check. We are not responsible for any loss due to a delay in returning the checks caused by endorsements that do not comply with these standards. We are also not responsible for any loss due to endorsements that are not legible because of material on the back of the check (such as checks with carbon bands or strips) that prohibit us from placing our endorsement on the back of the check or that causes our endorsement to be covered. You agree to reimburse us for any loss, expense and cost we may incur because you did not comply with these standards. Revised 08/14

GENERAL RULES GOVERNING DEPOSIT ACCOUNTS

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