PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING

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1 PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500 Low Balance Fee (waived with direct deposit): $15 Monthly statement fee: No Charge Early closeout before six months: $10 Unlimited Free ATM s Sterling Freedom Checking Minimum balance to open account: $100 Monthly average balance to avoid fee: $0 Low Balance Fee: $0 Monthly statement fee: No Charge Early closeout before six months: No Charge Statement Savings & Club Sterling TM Savings Minimum balance to open account: $100 Minimum balance to avoid fee: $100 Low Balance Fee (quarterly): $10 Personal Money Market & Club Sterling TM Money Market Minimum balance to open account: $500 Monthly average balance to avoid fee: $500 Maximum number of cleared checks and preauthorized withdrawals per statement cycle: Six Fee per check cleared and preauthorized withdrawal in excess of limit: $10 Certificates of Deposit & Club Sterling TM CD Minimum Balance to Open Account: $500 Penalty for early withdrawal IRA Savings Minimum balance to Open Account: $300 Minimum Contribution Amount: $50 MasterMoney /ATM Card Sterling Eagle Checking: Number of free withdrawals per account statement cycle All other accounts: Number of free withdrawals per account statement cycle Replace lost ATM/MasterMoney Card $10 Expedited MasterMoney Debit Card / ATM Card $90 Copy of Point of Sale (POS) Draft $5 each item Unlimited Sterling will reimburse ATM fees paid at non Sterling ATMs Five ATMs that we do not own or operate may assess fees Fee for transactions in excess of limit: $1 ATMs in the STARsf and Allpoint ATM networks are not subject to the $1.00 fee *International transactions may incur a fee charged by the international network. Overdraft Line of Credit Protection Late Fee $15 Returned Check Fee $15 Advances of $50 (minimum advance) deposited into designated account Online Banking Monthly Fee No Charge View Account Checks Online No Charge View Online Statements No Charge Online Bill Pay No Charge Rush Bill Pay Fee Refer to the current fee disclosed in Online Banking Bill Pay Mobile Banking No Charge Fees and program features are subject to change. As of 10/15/2014

2 PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Other Personal Account Service Fees Check Charge Fee for Printed Checks Refer to pricing from Deluxe Check Printing Copies of Checks $3 Teller Checks $5 Returned Item Fee for Deposited Checks and Other Items $20 each item Returned Unpaid Overdraft Fee for Non Sufficient Funds (NSF) $32 each item (checks and ACH) Account Research $30 per hour Account Balancing Assistance $30 per hour Stop Payments All Items and ACH (verbal and written) $30 each One Copy of IRS 1099 and IRS 1098 Forms for Current Year No Charge Additional Copies of IRS 1099 and IRS 1098 Forms for Current $20 per year Year and Each Prior Year Photocopies of statements $5 for each month requested Non machine readable encoded check fee $5 each rejected check Garnishments/levies/injunctions/etc. $75 each Check Cashing Fee for Non Customers $3 per item Sterling Bank & Trust Checks Only Wire Transfer Fee Domestic Wires Wire Transfer Fee Foreign Wires Safe Deposit Boxes (Per Year) Account Relationship is required to maintain a Safe Deposit Box Free rental for U.S. military personnel (Military ID must be shown) Lost Safe Deposit Key Replacement Fee Additional fees may apply if all keys are lost No Charge for Incoming Domestic Wires $26 Outgoing No Charge for Incoming Foreign Wires $37 Outgoing $35 Small Box (2 x 5 ) $45 Document Box (3 x10 ) $55 Large Box (5 x10 ) $10 Sterling Senior Club Member Benefits (Please see our current rate sheet for additional interest rate benefits) Eligibility Must be age 55+ and have Sterling Eagle Checking. Membership is based on unique ownership title. Safe Deposit Box One Free Small Safe Deposit Box per Member or $35 credit applied to the cost of a larger box. Subject to availability and limited to first year of Membership. Existing safe deposit box holders will receive credit for the following year at the time of renewal. Free Standard Checks Includes standard blue, yellow or green checks for as long as the Member s account is open. Limited to one account per Member when ordered in a branch Free Teller Checks Limited to one check per statement cycle per Member. One Refunded Service Fee Limited to one fee per year, per Member. Maximum service fee refund is $32. Fees and program features are subject to change. As of 10/15/2014

3 BUSINESS ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Small Business Solutions Checking Business Solutions Checking Business Plus Solutions Checking Business checking accounts opened on or after 1/17/2012 Sterling Solution Business Checking No longer available for new business accounts as of 1/17/2012 Business MasterMoney /ATM Card Account Overdrawn via ATM $32 Number of free withdrawals per account statement cycle Five Fee for transactions in excess of limit** $1 Replace lost ATM/MasterMoney Card $10 Certificates of Deposit Minimum balance to open account: $500 Penalty for early withdrawal Statement Savings Minimum balance to open account: $100 Minimum balance to avoid fee: $100 Business Money Market Minimum balance to open account: $500 Minimum balance to avoid fee: $500 Maximum number of cleared checks and preauthorized withdrawals per statement cycle: Six Fee per check cleared and preauthorized withdrawal in excess of limit: $10 Please refer to the Business Checking Accounts Product Listing for specifications and fees Minimum balance to open account: $100 Monthly Statement Fee: $10 Per debit charge (1-250): Free Per debit charge (251 or more): $.25 each Expedited MasterMoney Debit Card / ATM Card $90 Copy of Point of Sale (POS) Draft $5 each item * Note that ATMs that we do not own or operate may assess fees. International transactions may incur a fee charged by the international network. ** ATMs in the STARsf and Allpoint ATM networks are not subject to the $1.00 fee. Overdraft Line of Credit Protection Late Fee $15 Returned Check Fee $15 Advances of $50 (minimum advance) deposited into designated account Business Online Banking (Separate agreement and approval is required) Monthly Fee No Charge View Account Checks Online No Charge View Statements Online No Charge Rush Bill Pay Fee Refer to the current fee disclosed in Business Online Banking Bill Pay Fees and program features are subject to change. As of 11/1/2013

4 BUSINESS ACCOUNT SPECIFICATIONS AND FEE LISTING Other Business Account Service Fees Check Charge Fee for Printed Checks Refer to pricing from Deluxe Check Printing Copies of Checks $3 Teller Checks $5 Returned Item Fee for Deposited Checks and Other Items $20 each item Returned Unpaid Overdraft Fee for Non-Sufficient Funds (NSF) $32 each item (checks and ACH) Account Research $30 per hour Account Balancing Assistance $30 per hour Stop Payments All Items and ACH (verbal and written) $30 each One Copy of IRS 1099 and IRS 1098 Forms for Current Year No Charge Additional Copies of IRS 1099 and IRS 1098 Forms for Current $20 per year Year and Each Prior Year Photocopies of statements $5 for each month requested Non-machine readable encoded check fee $5 each rejected check Garnishments/levies/injunctions/etc. $75 each Check Cashing Fee for Non-Customers $3 per item Sterling Bank & Trust Checks Only Wire Transfer Fee - Domestic Wires Wire Transfer Fee - Foreign Wires Safe Deposit Boxes (Per Year) Account Relationship is required to maintain a Safe Deposit Box Lost Safe Deposit Key Replacement Fee Additional fees may apply if all keys are lost Night Deposit Bags Only available at certain branches No Charge for Incoming Domestic Wires $26 Outgoing No Charge for incoming Foreign Wires $37 Outgoing $35 Small Box (2 x 5 ) $45 Document Box (3 x10 ) $55 Large Box (5 x10 ) $10 Bag Rental: $5 Replacement Bag: $20 Lost Key Replacement: $10 Fees and program features are subject to change. As of 11/1/2013

5 BUSINESS CHECKING ACCOUNTS PRODUCT LISTING Best For Small Business Solutions Checking Business Solutions Checking Business Plus Solutions Checking Business customers with low account activity and cash needs Business customers with moderate account activity and cash needs Business customers with higher account activity and cash needs Minimum To Open $100 $100 $100 Monthly Service Charge $6 with estatements 1 $10 without estatements To Avoid Monthly Service Charge Number of Monthly Transactions Included Monthly Coin and Currency $8 with estatements 1 $12 without estatements $10 with estatements 1 $14 without estatements $1,000 Average Daily Balance $5,000 Average Daily Balance $10,000 Average Daily Balance 50 transactions 2 $0.25 per transaction over 50 $5,000 coin and currency deposited or 250 transactions 2 $0.25 per transaction over 250 $10,000 coin and currency deposited or Pays Interest No No No 500 transactions 2 $0.25 per transaction over 500 $20,000 coin and currency deposited or Additional Benefits Online Banking with Cash Management estatements Online Bill Pay Online Check Images Alerts Business Debit Card Special Promotions 3 Merchant Services Account Setup Fee Waiver - $50 4 Remote Deposit Capture Setup Fee Discount - $50 5 First Deluxe Check Order Credit - $50 3 Merchant Services Account Setup Fee Waiver - $50 4 Remote Deposit Capture Setup Fee Discount - $50 5 First Deluxe Check Order Credit - $50 1 estatements require online banking access. 2 Transactions include combined debits and credits, including paper and electronic. 3 Open a merchant services account with WorldPay within 60 days of opening your new Sterling Bank & Trust (SBT) business checking account and WorldPay will waive the $50 account setup fee. 4 Apply for Remote Deposit Capture, within 60 days of opening your new Sterling Bank & Trust business checking account, and receive a $50 discount off the account setup fee. Discount will be applied on your first business checking statement following account setup, when the fee is normally charged. Approval is required for Remote Deposit Capture program.. 5 Credit applies to your first check order when you order checks through Deluxe at the branch when the account is opened. The $50 will be credited to your account after the check order has been placed. This offer applies when you: 1) open a new business money market account at the same time you open your new business checking account; 2) have a current business loan or line of credit with Sterling Bank & Trust; or 3) have an application for a business loan or line of credit in process at the time of account opening. Please see the Business Specifications and Fee Listing for more information. Program features, fees and promotions are subject to change. MK-7 (1/12)

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