Local Small Business Banking

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1 Local Small Banking Directions Credit Union 3 types of small business checking accounts: -Free: Great for businesses with very low transaction volumes and those who don t want to keep a minimum balance. No monthly fee No minimum balance required (Minimum to open $50) Clear up to 50 transactions a month ($.25 ea. additional) Deposit up to 100 items a month ($.25 ea. additional) Free ATM/Debit Card Free electronic statements Free online check copies Free online Bill Payment -Advantage: Designed for businesses that carry low balances, have a low volume of activity, and require a basic check writing and deposit balances. $10 monthly fee waived if minimum daily balance of $2,500 is maintained (Minimum to open $100) No fee for first 200 items cleared each month ($.25 ea. Additional) No fee for first 400 deposited items each month ($.25 ea. Additional) Dividends earned Free ATM/Debit Card Free electronic statements Free online check copies Free online Bill Payment -Investment: A checking account suited for businesses requiring unlimited check writing and deposit balances that seek to earn dividends. $25 monthly fee waived if minimum daily balance of $10,000 is maintained (Minimum to open $100) Unlimited number of cleared items Unlimited number of deposited items Dividends earned Free ATM/Debit Card Free electronic statements Free online check copies Free online Bill Payment

2 Share Savings Accounts Directions Credit Union s basic savings account. A $25 minimum balance is required to maintain a savings account. There are no monthly or annual fees, and it pays a competitive dividend rate that is compounded quarterly. Money Management Account An attractive alternative to money market funds with higher rates for larger balances, and available for limited withdrawals. A $2500 minimum balance is required to open and maintain the account. MEGA Saver Account This savings account is an attractive alternative to money market funds with higher rates for larger balances. The minimum to open is $25,000. Minimum balance to maintain to avoid a charge is $25,000. Certificates Certificates are available in short or long term. A $500 minimum balance is required to open and maintain the account. Dividends may be compounded quarterly or paid monthly. Term Loans loans for a variety of business purposes including the purchase of capital assets, the remodeling or expansion of a place of business, business acquisitions, permanent working capital, or refinancing or consolidation of business debts. Commercial Real Estate Loans Directions Credit Union provides loans for the purchase or refinance of commercial or industrial property. Directions Credit Union also provides loans for the purchase of rental/income property. With Directions real estate loans, all loan decisions are made locally and service is never sold - so we ll always be your contact for questions or issues regarding your loan. Auto Loans New or used purchase, Directions Credit Union has the financing solutions you need for your business vehicles. Along with competitive rates, you ll enjoy flexible terms up to 84 months, up to 100% financing, FREE pre-approvals, no pre-payment and no application fees. New or used, short terms or long terms, we strive to give you the best deal in town!

3 Lines of Credit A revolving line of credit can help you manage your cash flow or provide short-term money for seasonal purchases, operating expenses and working capital. A line of credit offers the flexibility and quick response for your fluctuating cash flow needs. Directions Credit Union also offers a Overdraft line of credit attached to your checking account to cover incremental deposits drawn on the account. Directions Credit Union offers the following other products and services to help you grow your business: Electronic transfers and wire services Payroll and tax management services Human resource tools Financial planning services Discount brokerage services Qualified plan services Employee financial services FREE online banking & alerts Gloria Voegeli at Maummee Valley Credit Union MVCU offers Free checking service for our members and their companies. Most business checking accounts have fees and charges that range from $100 to $500 per month at other institutions. No monthly service charge No per check charge No minimum balance requirement (419) /3 Relationship 1 This account keeps getting better as your Fifth Third relationship grows. Use both Fifth Third Online Payroll powered by Paycor or Merchant Services through Fifth Third Processing Solutions 2 - you have no required minimum balance.

4 Use either service 2, and your required minimum balance automatically drops from $15,000 to $10,000. Expanding your relationship with us also gives you more monthly transactions and cash deposits. 1, 4 Regular 1 This flexible account is especially cost efficient for businesses with lower transactions or cash needs or businesses that experience seasonal fluctuations. As your business grows, so do your account benefits. When your average balance is less than $10,000 Get 150 free transactions and $5,000 in free monthly cash deposits. When your average balance is more than $10,000 Get 150 free transactions and $10, 0000 in free monthly cash deposits. No monthly maintenance fee. Advantage 3 This option is good for businesses with an average monthly collected balance of $10,000 or more. Features include: 250 transactions and $10,000 in cash deposits each month without incurring fees. (There are fees for transactions and cash deposit overages.) No monthly maintenance fee with a $10,000 average monthly balance. (There is a $17 fee when your average monthly balance is less than $10,000.) Other Advantage options include: Advantage Interest Designed for sole proprietors, nonprofit organizations, and churches. Advantage Public Fund Designed for government entities. Preferred 3 Preferred is for businesses that maintain a $25,000 or higher average monthly collected balance. Features include: No monthly maintenance fee with a $25,000 average monthly balance. (There is a $25 fee if your average monthly balance is less than $25,000.) No fees for your first 500 transactions and $25,000 in cash deposits each month.

5 Combine this account with a Money Market Savings Sweep account to keep your money working continuously overnight and on weekends. Advantage Interest 3 Advantage Interest is designed specifically for sole proprietors, nonprofit organizations, and churches. It offers a wide range of options for your business, including: Up to 250 free transactions each month Up to $10,000 free coin and currency deposited each month at Fifth Third Banking Centers Earn interest on your funds Free Internet Banking and Bill Payment Pay your bills, check balances, transfer funds at no costs Fifth Third Bank Debit MasterCard Advantage Public Fund 3 Advantage Public Fund is designed specifically for governmental entities. It offers a wide range of options for your business, including: Up to 250 free transactions each month Up to $10,000 free coin and currency deposited each month at Fifth Third Banking Centers Earn interest on your funds Free Internet Banking and Bill Payment Pay your bills, check balances, transfer funds at no costs Fifth Third Bank Debit MasterCard Relationship Savings 2 This account works much like a business money market account with tiered interest rates. Earn more as your balance grows. Earn a double interest bonus 1 on the account when you also maintain a Relationship account.

6 Money Market The Money Market Account offers high yields for high balance deposits along with limited check-writing privileges. Features include: Tiered interest rates that increase with your account balance. Up to 100 deposits and three withdrawals each month without fees. (There are fees for transaction overages 3.) No monthly maintenance fee with $10,000 average monthly balance. (There is a $10 fee if your average monthly balance is less than $10,000.) Money Market Sweep The Money Market Sweep automatically sweeps excess balances in increments of $100 into a money market investment vehicle every evening, after we post all debits and credits to your checking account. (A daily minimum investment of $100 is required.) The higher the investable balance, the higher your potential rate of return. If your checking account falls below the target balance, the Money Market Savings account investment automatically replenishes your checking account back to your target level. You must have a Preferred or Analysis account to qualify for this savings account. Savings 3 Fifth Third Savings gives you a straightforward and economical way to build your cash and keep it safe. No monthly maintenance fee with $1,000 average monthly balance. (There is a $5 fee if your average monthly balance is less than $1,000.) Free online banking, including bill payment, account alerts, check image viewing and statement images. Certificates of Deposit We offer Certificates of Deposit with tiered interest rates. You can choose from various terms starting at seven days. Small Administration (SBA) Loans Our dedicated team of SBA Loan Specialists is here to help you access capital quickly so your business can grow. We offer several types of SBA Loans: SBA 7(a) Guarantee Program Providing up to 75 percent guarantee on loans to businesses with real estate, equipment, inventory, working capital, and refinancing needs.

7 SBA 504 Loans For-fixed asset projects. SBA 504 loan recipients must provide at least 10 percent equity and must create one new job for every $35,000 of loan proceeds. Fifth Third Bank provides a loan secured by a senior lien of up to 50 percent of the project s costs. A local Certified Development Corporation provides a junior lien loan using SBA-backed debentures of up to 40 percent of the project s costs. SBA Express Loans Provide a 50 percent guarantee on loans up to $350,000 and allow for revolving lines of credit. SBA Express Lines of Credit have a maximum seven-year term and are generally structured to include a revolver with term-out on unpaid balances. Commercial Mortgage Commercial Mortgage loans are customized with a wide menu of finance options, including fixed and variable rates. Whether you want to own your own space, build equity in your future, or expand and create the office you've always dreamed of, Fifth Third Bank s Commercial Mortgage loans can help. (419) Huntington National Bank Huntington Free Huntington Plus Huntington Analyzed Huntington Interest Best for Key benefits es with 200 or fewer monthly transactions 1 that need a basic account, such as community groups or small non-profits No monthly service fee Visa Debit Card Online Banking Unlimited Bill Pay No fee Personal Small businesses with up to 500 monthly transactions that need a value based package account Use your balance to offset monthly service fee Visa Debit Card Online Banking and Unlimited Bill Pay No fee Overdraft Protection No fee Money Market or Savings Account Growing businesses with high monthly transactions that have treasury management needs Use earnings credit to offset the monthly charges Detailed monthly account statement to keep high transaction volume organized Availability to wide array of treasury management services to improve the efficiency of managing your cash flow Sole proprietorships, notfor-profit organizations and public agencies Traditional, interestbearing account Includes 100 transactions per month Use your balances to offset the monthly service fee SBA-Guaranteed Loans Grow your business The SBA guarantee allows us to lend funds on more reasonable terms and for many different purposes.

8 The SBA guarantee allows us to grant more favorable terms: five to seven years on working capital, up to 10 years on equipment and up to 25 years on land and buildings. Loan terms also allow for reduced down payments, letting you to keep more cash in your business operations. Term Loans Grow your business Use for property improvements/expansions, purchasing equipment or automobiles, debt restructuring, business acquisition, permanent working capital and more. Choose a financing option that meets your needs Fixed- or variable-rate small business loans are available. Full amortization or partial amortization with balloon payment options are also offered. Flexible terms vary based on the use of funds and the collateral pledged. Manage your payments effectively Budget regular payments over the life of the loan with fixed-rate or variable-rate options. Better manage debt by separating permanent, one-time purchases/investments in your business from other short-term or seasonal cash flow needs. Easy application process* Use our streamlined application process for Term Loan requests up to $100, (419) Signature Bank BUSINESS SERVICES Cash Management Services Accounts Check writing: Unlimited Minimum opening balance: $2,500 NOW Accounts Investment Accounts Tiered competitive rates Minimum opening balance: $2,500 Sweep Accounts

9 Lockbox Processing Certificates of Deposit Tiered competitive rates Flexible terms Minimum opening balance: $5,000 Ancillary Services Courier Service Online Banking Lending Services Lines of credit Real estate loans Equipment loans (419) Key Bank Account Comparison Interest bearing Sweep account No monthly Maintenance Service Charge No monthly Maintenance Service Charge with a minimum balance requirement Free Bill Pay1 Earning credit allowance Discounts on loans/lines of credit2 No charge for a specific number of checks, withdrawals or deposits Consolidated monthly statement Small Savings Account Comparison Key Saver Key Silver Money Market Savings Key Gold Money Market Savings Interest bearing Low minimum balance requirements Limited check writing access

10 Small Term Loan Flexible terms available with competitive interest rates Fixed monthly payments help you manage your budget Fast approvals allow for quicker availability of proceeds Cover long-term expenditures without depleting your savings or the availability on your line of credit Worry-free banking with automatic payment deduction Benefits of SBA Loans SBA loan programs can help qualified businesses obtain financing even when their collateral may not meet conventional lending standards. Being a Preferred Lender means Key can process and approve SBA loans, expediting the application process. Keeps cash in your business Low monthly payments and flexible terms as long as seven years for working capital, 10 to 15 years for equipment, and up to 25 years for real estate Low down payment required Allows for up to 90% financing for new purchases and offers solutions for financing soft assets such as goodwill Ability to finance closing costs versus paying them out of pocket Flexible terms Option for interest only periods Lines of credit with seven year commitments non-sba lines typically are one year No balloon payments necessary Limited pre-payment penalties Minimal costs Minimal loan packaging and SBA guaranteed fees No points or origination fees Interest rate caps based on deal size (419) PNC Your Selected Accounts Compare All Free Basic Enterprise Analysis Click to Hide Click to Hide Click to Hide Click to Hide

11 Account Features & Fees 1 Required minimum to open $100 $100 $250 $250 Monthly Combined transactions included (paid checks,items deposited,deposit tickets, ACH credit/debits received) Earnings Credit 2 Monthly Cash Deposits without fee $5,000 $10,000 $50,000 Earnings Credit 2 Monthly Maintenance fee $0 $16 $25 $15 or $20 1 Average monthly collected balance to avoid maintenance fee No balance requirement $2,500 $10,000 N/A Free PNC Visa Check Card purchase transactions Yes Yes Yes Yes Free Global ATM Usage 3 (PNC Bank and non-pnc Bank ATMs) Only PNC Bank ATMs are free Yes Yes Yes Free Banking Rewards Program, PNC Yes Yes Yes Yes points Free PNC Online Banking and Bill Pay 4 Yes Yes Yes Yes View or print Online images of cancelled checks and deposit tickets up to 90 days Yes Yes Yes Yes Free Check Safekeeping Required Optional Optional Optional 25% check order discounts through PNC's preferred check vendor Yes Yes and first order free (up to $75) Free Online Statements 5 Optional Optional Optional Optional Check Image Statements No Optional Optional Free Available Overdraft Protection 6 Yes Yes Yes Yes Free next-day funding on Visa and MasterCard payment transactions with Yes Yes Yes Yes PNC Merchant Services 7 Merchant Services discounts 7 Bonus rates on select PNC Bank Certificates of Deposit Yes Yes Annual fee discount for eligible business 6 $0 up to $100 up to $250 $0 lines of credit Free Overdraft Protection set-up 1 Yes Free currency orders and night bag Yes Yes

12 processing Courtesy overdraft fee waiver on first overdraft or non-sufficient funds event occurring in the first year of new account opening date Yes Yes Yes Yes Free personal Performance 8 Yes Yes account Use When Your business is building up its cash reserves or has excess funds on a periodic short-term basis, and you need quick, convenient access when it's needed. Account Benefits Account Type Put excess funds to work for your business until needed Access funds at a PNC Bank branch or ATM, transfer funds online, or write Money Market a check - it's up to you. 1 Demand Account Earns varying interest rates based on your daily account balance Your business checking account balance typically is significantly greater than is required to cover daily operating expenses and you want the convenience of automated transfers of excess balances between your checking and an income-earning account. Excess cash above a target balance is automatically transferred into an interest-earning account at the close of each business day. Funds stay invested as long as possible. Returned to checking account only when needed to pay checks or other items. Sweep Accounts Your business has cash on hand that is earmarked for future business use and not daily operations so it can be invested for a predetermined period of time in order to earn generally better interest rates. Offers both short and long term maturities Available for small or large cash deposits Certificates of FDIC insured up to maximum amount Deposit permitted by law Generally earns higher rates than other savings products Term Loans provide a specific amount of credit to purchase assets or meet specific financing need.the loan is paid based on a predetermined schedule or monthly principal and interest payments. Loans can be unsecured, or secured by fixed asset collateral. Interest rates are generally fixed for the life of the loan. Use: longer term credit for expansion projects, equipment or building purchases predictable repayment terms over a fixed period of time fixed or variable rate financing options Small Administration (SBA) loans are available in a variety of term loan and line of credit options. Backed by government-sponsored loan

13 guarantees, SBA loans issued through financial institutions offer businesses who may not otherwise qualify for conventional bank loans get access to the credit their business needs to grow. Use: lower down payments and longer repayment terms than conventional bank loans financing alternatives for higher-debt load borrowing needs + (419) First Merit Bank FirstMerit Reality Reality is ideal for businesses with less then 1,000 transactions per month. Account Features & Benefits No Monthly Fee: No minimum balance requirement or monthly maintenance service charge Discounted Checks: First order of FirstMerit Exclusive Design Small Value Pack (includes endorsement stamp) only $20 with each order thereafter only $15; Or $25 off the first order of any other business check design Free Non-FirstMerit ATMs: No charge from us for you to use another bank's ATMs Free Debit Card Transactions: No charge for using your debit card for either PIN or signature transactions Electronic Check Re-Presentment Service: CheckTrack offers you a quick and efficient way to collect returned checks Additional Services: Free Online Banking, Online Bill Pay, and overdraft protection available with a FirstMerit Credit Card (subject to approval Statement Savings Account Our business statement savings account is designed to help you make the most of your funds. Account Features & Benefits Earn interest on all balances when you keep at least $50 in the account Higher balances may earn higher interest Automatic transfers make it easy to save Monthly statements show all account activity Free Online Banking Federal regulations restrict you to six pre-authorized electronic or Online Banking transfers per cycle. The law allows unlimited withdrawals at our teller counters and ATMs. A charge will be assessed for each pre-authorized transfer, exceeding six, per statement cycle. Fixed-Term Loans Our term loans offer long-term financing for larger investments, like equipment, commercial vehicles or other capital improvements. Features & Benefits Purchase fixed assets, restructure debt, or provide for ownership change and recapitalization

14 Debt can be repaid over a longer term that more closely matches the useful life of the asset being purchased Longer repayment term can be tied to your company's ability to generate cash, in case of a permanent line conversion or recapitalization Amortization and maturity dictated by purpose, usually not exceeding five years Variable or fixed interest rates SBA/Government Loans As a preferred Small Administration (SBA) lender, we can provide a variety of government-sponsored loans. A FirstMerit business banker will be happy to provide you with more information. (419) Charter One for Monthly Small es Maintenance Fee Green Learn More Act Now TCB Premier Learn More Act Now Learn More Act Now for Non-Profits Association with Interest I Learn More Act Now $9.99 $25 How to Waive Fee $2,000 average daily balance OR 5 qualifying payment transactions Included Monthly Transactions 200 $10,000 in checking or $20, monthly combined balance. $14 N/A 750 Monthly Maintenance Fee Savings Accounts Maximum Rate Savings Learn More Act Now High Yield Savings and Money Market Accounts Minimum Balance to Waive Fee $12 $2,500 minimum daily balance % N/A Maximum Rate Min Min Balance to Waive Balance to Fee Open $1,000 minimum daily balance Min Min Balance to Waive Balance to Fee Open Included Monthly Transactions Monthly Maintenance Fee N/A Monthly Maintenance Fee

15 Growth Savings* Learn More Act Now Money Market Learn More Act Now Certificates of Deposit (CDs) Certificates of Deposits (CDs) Learn More Act Now 0.70% See below* 0.10% $2,500 Maximum Rate $5,000 min. daily balance $50 $2,500 minimum daily balance Min Min Balance to Waive Balance to Fee Open N/A Monthly Maintenance Fee N/A $1,000 N/A None *Requirement to open: $10,000 new money & active checking required to open: an active checking account is defined as having 5 qualifying payment transactions per month. Qualifying payments from your account include ATM withdrawals and payments made in our branches, payments made using our Online Banking service, Debit Card purchases, checks paid and automatic electronic payments to a third party. Transfers to your checking, savings, and money market accounts are excluded. Online Banking transfers to loans or credit lines do not qualify. Personal accounts/select markets. Borrowing Solutions Monthly Payment Loan Amount Small Mortgages Payments of principal and interest. Up to $500,000* Learn More Act Now Line of Credit Learn More Act Now Interest only. Up to $500,000* Term Loan Learn More Act Now Payments of principal, plus interest. Up to $500,000* Credit Card Pay in full or revolve balances each Up to $50,000 Learn More Act Now month. Overdraft Protection Greater of 2% of the current Learn More balance or $20. Up to $10,000 * Amount based on your available credit limit. Larger amount may be available though a Banker Woodforest National Bank Simply NOW Account Money Market Account Account Overview For companies with higher balances and activity, this unlimited transaction Simply put, this business checking account is for businesses and Enjoy unlimited check writing and earn interest all in one account. The NOW Earn interest with this competitive money market account. It features

16 account is analyzed monthly and features an earnings credit allowance on your balance to help offset activity fees. organizations with lower monthly transaction volumes. is available to sole proprietorships, nonprofit organizations, and government entities. limited check writing and a competitive interest rate. This product is available to all business entities. Extended Processing Deposit deadlines as late as 8:00 pm* *In branches open until 8:00 pm. Earnings Credit Reduce or eliminate monthly service fees with an earnings credit analyzed on a monthly basis. Unlimited Check Writing 6 FREE withdrawals per month Interest Woodforest Debit MasterCard FREE daily notification TT&L Payment Services Night Drop Service 24 Hour/7 Day Automated Account Access Monthly Service Charges $18.00 Monthly maintenance No Charge: $5, and above No Charge: $2, and above No Charge: $2, and above $0.15 Per withdrawal $0.10 Per deposit item drawn on another bank $0.50 Per deposit posted to the account $0.06 Per $1, balance for FDIC Insurance $12.00: $0.00 to $4, FREE 250 items per month $0.25 Per excessive item $15.00: $0.00 to $1, $0.15 Per withdrawal $0.10 Per deposit item drawn on another bank $0.50 Per deposit posted to the account $15.00: $0.00 to $2, FREE 6 withdrawals per month $20.00 Per excessive withdrawal Monthly service charge is based Monthly service charge is based on average collected balance Monthly service charge is based on minimum ledger

17 on minimum ledger balance balance Small Administration (SBA) Loans The Small Administration offers several programs through participating banks to help small businesses gain access to capital. Woodforest has been awarded Preferred Lender Status by the SBA in recognition of our commitment and expertise in processing SBA loans. As a Preferred Lender, we can make credit decisions on behalf of the SBA, which means the processing time to close an SBA loan is virtually the same as a conventional loan. Loan proceeds can be used to: Purchase or improve real estate Purchase equipment Purchase inventory Acquire or expand a business Provide working capital Refinance existing debt on more favorable terms As compared to conventional loans, SBA loans typically offer a longer term, lower monthly payments and often times a lower interest rate Bank of America Who It s For Advantage Established businesses with an average balance greater than $15,000 and higher transaction activity levels, up to: 400 checks paid and deposited items combined $20,000 cash deposited Economy Start-ups and businesses with an average balance less than $15,000 and monthly transactions less than: 150 checks paid and deposited items combined each month $10,000 cash deposited Interest Sole proprietors, nonprofits, and government entities with an average balance of less than $15,000 and monthly transactions less than: 150 checks paid and deposited items combined each month $10,000 cash deposited Full Analysis Large businesses with high checking balances, typically greater than $70,000

18 Benefits Fees(per statement cycle) 1 Includes many free and discounted services Offers multiple options to waive maintenance fee The $29.95 monthly maintenance fee can be avoided with one of the following: Offers multiple options to waive maintenance fee Can link to savings accounts to meet combined balance requirements The $17.00 monthly maintenance fee can be avoided with one of the following: Earns interest Offers multiple options to waive maintenance fee Can link to savings accounts to meet combined balance requirements The $18.00 monthly maintenance fee can be avoided with one of the following: Offers Treasury management services Balances are used to offset all or part of monthly fees Can group accounts together to help offset charges $20.00 monthly maintenance fee $15,000 average balance $35,000 combined average balance 3 $100,000 or more in business term loan or lease 45 for each check paid or deposited item after first 400 Enrolling in Fundamentals and making a monthly qualifying purchase with your Debit Card 2 $3,000 minimum balance $10,000 average balance $10,000 combined minimum balance 3 $20,000 combined average balance 3 $5,000 minimum balance $10,000 average balance $10,000 combined minimum balance 3 $20,000 combined average balance 3 45 for each check paid or deposited item after the first for each check paid (truncated) 17 for each check paid (Front Image) 15 for each deposited item $1.00 for each banking center deposit 45 for each check paid or deposited item after the first 150

19 Services with all business checking accounts With a Bank of America checking account, you get our Online Banking service for 24/7 account access, up-to-the-minute daily balances, check images, and much more, including these services: business and personal accounts in one place Optional Bill Pay award-winning SiteKey security against fraud and identity theft You can also enhance your business with these optional banking services: QuickBooks -interoperability to save time managing your account view your non-bank of America accounts in one place with your Bank of America business and personal accounts employee direct deposit online business tax payments employee access to delegate bookkeeping while maintaining total control Request a no-fee Debit Card with Total Security Protection to make everyday business purchases anywhere Visa Debit Cards are accepted, as well as for cash withdrawals and deposits at ATMs around the world. Select Interest Maximizer. Our premier Money Market Savings account that rewards our Advantage customers with higher interest rates on new savings deposits greater than $10,000. * Interest Maximizer. A business money market savings account that offers attractive earnings and insured safety. Investment Account. A business money market savings account that has limited check access. Analyzed Investment Account. A business savings account you can group with your other analyzed accounts and can incorporate treasury management services. Featured CDs. A business CD that allows you to maximize your savings without committing your money for a long period. Risk Free CDs. Get the return of a CD, and the flexibility similar to a savings account. CDs (certificates of deposit). An FDIC-insured account that allows you to lock in a yield for a term you choose

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