How To Pay A Bank Bill In The United States

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1 table of contents personal checking PERSONAL CHECKING ACCOUNTS Personal Checking Interest on Checking BUSINESS CHECKING ACCOUNTS Business Checking (Non-Analyzed) Business Interest on Checking Bankruptcy Trustee Account Analyzed Business Checking SAVINGS ACCOUNTS Market Rate Savings Christmas Club Accounts MARKET RATE MONEY MARKET ACCOUNT MARKET RATE CERTIFICATES OF DEPOSIT Day Day, 182 Day & 12-23, 24-35, Months Loan Collateral, Bankcard Collateral, and Bond Certificate of Deposit MARKET RATE IRA/ROTH ACCOUNTS SCHEDULE OF FEES PRIVACY STATEMENT OTHER PRODUCT: HEALTH SAVINGS ACCOUNT Ask our staff for details Personal Checking This account does not pay interest. A minimum balance fee of $5.00 plus 30 cents per check paid below $500 any day of the month or the average daily balance for the month has fallen below $1,000. The average daily balance is calculated by adding the principal amount in the account for each day of the period and dividing that figure by the number of days in the period. Interest on Checking every month. If you close your account before interest is credited, you will not receive the accrued interest. A minimum balance fee of $5.00 plus 30 cents per check paid will be imposed every month if the average daily balance for the month has fallen below $1,000. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. FARMERS & MERCHANTS BANK OF LONG BEACH 1

2 business checking business checking Business Checking Non-Analyzed This account does not pay interest. A minimum balance fee of $8.00 plus 30 cents per check paid below $2,000 on any day of the statement cycle. A minimum balance fee of $7.00 plus 30 cents per check paid below $3,000, but remains above $2,000 any day of the statement cycle. Please Note: Based on your account use, the type and frequency of transactions made, the bank may chose to analyze your account and may subsequently convert the account to a Analyzed Business Checking. Business Interest on Checking Interest on Checking is limited by regulation to sole proprietors, non-profit organizations and other qualified entities. For service charge schedule, refer to Business Checking Non-Analyzed. Business Money Market, see Market Rate Money Market Account, page 6 Business Savings Account, see Market Rate Savings Account, page 4 Bankruptcy Trustee Account This account does not pay interest. Consistent with federal regulations, Chapter 7 Bankruptcy may not be subject to certain charges indicated in this disclosure. A minimum balance fee of $7.00 plus 30 cents per check paid below $3,000, but remains above $2,000 any day of the statement cycle. Analyzed Business Checking This account does not pay interest. However, it provides an earnings-services credit. This credit is used to offset accumulated expenses associated with bank services, account transactions and currency fees. Analysis Account -- Earnings Credit Schedule Average Monthly Balance Earnings - Services Credit $0 to $99, Competitive Market Rate $100,000 to $499, Competitive Market Rate $500,000 to $999, Competitive Market Rate $1 Million Plus Competitive Market Rate (note: earnings credit rates are competitively set based on the competitive marketplace for Analyzed Bus Checking Accounts.) Direct Account Transactions & Currency Fee Schedule: Offset by Balance Earning Credit Maintenance fee w/statement $18.00 ACH-item Credit $0.10 ACH-item Debit $0.10 ACH-item origination $0.10 Debit Item (checks paid) $0.10 Deposit Item $0.10 Deposit Ticket (each) $1.25 Change Order (Coin & Currency) $3.00 Coin (in or out) > per std bag deposited $5.00 > per mixed std bag deposited $8.00 > per roll deposited $0.10 >> per box provided $4.00 >> per loose std bag provided $3.50 >> per roll provided $0.12 Currency (in or out) per $1,000 >> Currency IN (Deposited) $1.40 >> Currency Out (Provided) $1.25 A complete schedule of other bank services and fees can be found on page 11 of this document. An additional monthly analysis statement is provided to you with an accounting of services used and earnings credits, that offset service expenses. A $20.00 fee will be imposed if the account is closed within 90 2 FARMERS & MERCHANTS BANK OF LONG BEACH FARMERS & MERCHANTS BANK OF LONG BEACH 3

3 savings savings Market Rate Savings The interest rate structure for this account is tiered, based on the daily balance maintained in your account. every quarter. If you close your account before interest is credited, you will not receive the accrued interest. No more than six transfers or withdrawals per month to another account of the depositor or to a third party by means of a preauthorized, automatic or telephonic transfer are permitted. No more than three of the six may be transacted with third parties. Exceeding these limitations may result in the transfer of your account to one that pays no interest. A minimum balance fee of $5.00 will be imposed every quarter if the average daily balance for the quarter has fallen below $200. A withdrawal fee of $2.00 per withdrawal will be imposed after the third (3 rd ) withdrawal during a quarter if your minimum balance has fallen below $500. A $5.00 fee will be imposed if the account is closed within twelve (12) months of opening date. Christmas Club Accounts Interest will be paid once per year in November. You will receive the accrued interest plus principal in November. If you close your account before interest is paid, you will not receive the accrued interest. There is no compounding during the term of the account. Per the authorization you signed on the Automatic Christmas Club Account, your checking account will be charged as you directed, and deposits made automatically to this account. The Automatic Christmas Club Account will be automatically renewed at maturity. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. You may not make any withdrawals from your account. We will mail a check to you for the principal plus accrued interest once per year in November. A $5.00 fee will be imposed for closing the account prior to November. 4 FARMERS & MERCHANTS BANK OF LONG BEACH FARMERS & MERCHANTS BANK OF LONG BEACH 5

4 market rate money market account market rate certificates of deposit Market Rate Money Market Account The interest rate structure for this account is tiered, based on the daily balance maintained in your account. No more than six transfers or withdrawals per statement cycle to another account of the depositor or to a third party by means of a pre-authorized automatic or telephonic transfer are permitted. No more than three of the six may be made by check, draft, debit card, ATM card or similar order payable to third parties. Exceeding these limitations may result in the transfer of your account to one that pays no interest. every month. If you close your account before interest is credited, you will not receive the accrued interest. A minimum balance fee of $7.00 will be imposed every month if the balance in the account has fallen below $2,500 any day of the month Day Market Rate Certificates of Deposit A minimum deposit of $1,000 is necessary to open this account. The interest rate structure for this account is tiered based on the opening or renewal balance in your account. The account will automatically renew at maturity. Interest will be paid on your account at maturity, with no compounding during the term. You may select other crediting arrangements. can be obtained by calling any F&M branch location. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The interest rate on your account will be paid until the maturity of your Certificate. We will impose a penalty if you withdraw the principal before the maturity date. The penalty imposed will be the forfeiture of all interest earned. In no case will the penalty be less than seven (7) days interest forfeiture; therefore it may be necessary to deduct from the principal amount. After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date. There is a one (1) business day grace period following the maturity of this account to withdraw funds without penalty. You may also make deposits to the account during the grace period. 6 FARMERS & MERCHANTS BANK OF LONG BEACH FARMERS & MERCHANTS BANK OF LONG BEACH 7

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6 market rate ira / roth schedule of fees 6, 12, 18, 24 & 36 Month Market Rate IRA / Roth Accounts A minimum deposit of $500 is necessary to open this account. The interest rate structure for this account is tiered based on the opening or renewal balance in your account. every quarter. can be obtained by calling any F&M branch location. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. The interest rate on your account will be paid until the maturity of your account. We will impose a penalty if you withdraw any of the principal before the maturity date. The penalty imposed will equal 90 days interest forfeiture if the account matures in more than one year, or 30 days interest forfeiture if the account matures in one year or less. This account will be automatically renewed at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds without being assessed a penalty. Please review your plan disclosure for information about making deposits into your account and for the tax consequences associated with withdrawals. Account history...$1.00 ACH - item origination...$0.10 ACH - stop payment...$20.00 ATM - F&M accountholder using a non-f&m Bank ATM...$1.50 Bond coupon collection...$7.50 Business statement on CD-Rom...$15.00 Card Replacement > ATM Card...$5.00 > Checking Debit Card...$10.00 Charge back - return deposit handling...$5.00 Checks / deposit slips - Deluxe...Per Catalog Pricing Cashier checks > Customer...$6.00 > Non-Customer...$8.00 Coin & Currency Change Order...$3.00 Coin (in or out) > per standard bag deposited...$5.00 > per mixed standard bag deposited...$8.00 > per roll deposited...$0.10 >> per box provided...$4.00 >> per loose standard bag provided...$3.50 >> per roll provided...$0.12 Currency (in or out) per $1,000 > IN (Deposited)...$1.40 > Out (Furnished)...$1.25 Collection Processing > Incoming domestic...$15.00 > Incoming international...$30.00 > Outgoing domestic (plus correspondent bank fees)...$15.00 > Outgoing international (plus correspondent bank fees)...$30.00 Courier services...per Agreement Early account closing > Checking account...$10.00 > Savings account...$5.00 Endorsement stamp (Deluxe or Vendor)...Catalog Pricing Escheatment notice...$2.00 Deposit bag (disposable)...$0.25 Deposit correction (business account)...$ FARMERS & MERCHANTS BANK OF LONG BEACH FARMERS & MERCHANTS BANK OF LONG BEACH 11

7 schedule of fees privacy statement Federal Express or UPS...Vendor Price Legal process...$75.00 Merchant card services...per Agreement Merchant card services supplies...market Price Money orders > Customer...$4.00 > Non-Customer...$6.00 Nonsufficient funds/overdraft...$20.00 Online business basic/month...$5.00 Online business cash management...$14.95/month Online bill pay services...$5.00/mo...+ $0.40 ea over 15ck Payroll services...vendor Price Positive pay service/month...$25.00 Research and Special requests/hour...$30.00 Remit One - tax payments...per Agreement Special statement...$4.00 Stop payment...$20.00 Transfer of funds > Cover Overdraft - SAV to checking...$2.00 > Sweep Account Transfer...$2.00 > Telephone transfer...$2.00 Wire Transfers > Branch domestic (plus correspondent fees)...$25.00 > Branch incoming...$10.00 > Branch international (plus correspondent fees)...$30.00 > Online banking - outgoing only...$20.00 Contract Servicing...per unit Beneficiary Demand...$30.00 Beneficiary Statement...$30.00 Disbursement to an F&M account...$15.00 Disbursement via check...$20.00 Return Item...$25.00 Set-up...$ Substitution of Trustee and Full Reconveyance...$45.00 Please Note: Certain may have fees for services not noted in this schedule. Please review your account agreement for details. Farmers & Merchants Bank knows that our customers privacy is both an important and sensitive subject. As such, safeguarding your privacy has always been, and continues to be, one of our highest priorities, whether the information is gathered in person, over the telephone, through our ATMs, or via our web site. We have never shared your personal information with third parties, and have no plans to do so, except 1) if you request it, 2) to complete a transaction initiated by you (which may sometimes include disclosure to a credit bureau), or 3) if we are required or allowed by the law, such as to respond to a subpoena or to investigate fraudulent activity. To further protect your confidentiality, we require any organizations to which we provide data to have similar privacy safeguards and contractually only allow them to use our customers information for the intended service. You do not have to ask for this confidentiality it is our standard practice. If, in the future, we ever decide that it would be in your interest to share your personal information for any other purpose, you will be informed in advance, and given the opportunity to opt out. The only personal information we have is what you have voluntarily provided to us (e.g., name, address, social security number, etc.) or have obtained in the course of processing an application/request from you (credit history, payment history, financial assets, etc.). While we do not share your information, we may use it to help us better understand your financial needs so we can improve our products and services, or provide you with new ones. From time to time, we may also send you information from outside vendors, if we think they will interest you. Our standards also apply to the confidentiality of visitors to our website. While we may gather non-specific information such as the date and time our site was visited and the browser used, we do not collect specific information about you in this way. Some areas of our website use cookies to allow us to know if you have visited this site before. If you voluntarily send us information, by or by completing one of our online registration forms, we will retain the information so that we may respond to your request. At F&M, we have taken all practical security measures to ensure that your information is protected. Each of our employees is governed under our Code of Conduct and a written acknowledgement of the Bank s Privacy Policy. We restrict employee access to your information to a need to know basis, strive to maintain the accuracy of your information, and strictly enforce procedures that prevent unauthorized access. If you have any concerns about this statement, or with F&M s privacy practices, please us at InternetSupport@fmb.com. We can also be reached by telephone at , or by postal mail at Farmers & Merchants Bank Online Banking at P.O. Box 2400, Seal Beach, CA FARMERS & MERCHANTS BANK OF LONG BEACH FARMERS & MERCHANTS BANK OF LONG BEACH 13