Business Checking Accounts

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1 Business Checking Accounts FREE Business Checking This product has no minimum balance or monthly fee and is designed for small businesses with very low transaction volumes. No minimum balance No monthly fee 150 free transactions* per month $0.75 each transaction after 150 *Monthly transactions are considered deposits, checks paid, and deposited items. Master Money Business Debit/ATM Card available Online Banking available Online Bill Payment available Small Business Checking This is a convenient, low-cost checking account designed for small businesses with low transaction volumes. $20.00 monthly fee ($5,000 average monthly balance required to avoid fee) First 15 deposits free every month ($2.50 fee for each additional deposit) First 75 deposited items free ($0.35 fee for each additional item) First 50 checks free each month ($0.50 for each additional check) Master Money Business Debit/ATM Card available Online Banking available Online Bill Payment available Online Cash Management available Check images returned with monthly statement Not-for-Profit Interest Checking This product is designed for sole proprietorships and not-for-profit organizations. $10.00 monthly fee ($25,000 average monthly balance to avoid fee) $1.50 per deposit $0.08 for each encoded check deposited $0.19 per check paid Competitive interest rates Master Money Business Debit/ATM Card available Online Banking available Online Bill Payment available Online Cash Management available Check images returned with monthly statement

2 Commercial Checking Lakeside Analyzed Account This account is designed for businesses with medium to large transaction volumes. Transaction fees are offset by a monthly earnings credit. Earnings credit available to reduce service charges Master Money Business Debit/ATM Card available Online Banking available Online Bill Payment available Online Cash Management available Check images returned with monthly statement Harbor Master Remote Deposit Competitive Analysis If you bring a current statement from a competitor, we can run a detailed analysis to see how much we can save you each month on your Commercial Checking Account. Cash Management Safe Harbor Express Deposit (Lockbox Services) Harbor Master Remote Deposit Master Money Business Debit/ATM Card available Zero Balance Account arrangements Positive Pay ACH Origination Service Fees Lakeside Bank has an extremely competitive schedule of service fees on Commercial Checking Accounts. For a list of fees, or if you would like a competitive analysis, simply contact a Personal Banking Officer at one of our convenient locations.

3 Commercial Lending Lakeside Bank has the experience and resources to custom-tailor a commercial loan that meets the specific needs of your business. Short-Term Working Capital Accounts receivable and inventory financing enables your organization to take advantage of new business opportunities by converting your anticipated accounts receivable and inventory into a ready source of cash. Long-Term Fixed Rate Loans Lakeside Bank s long-term loans offer flexible terms. A fixed rate of interest will provide the capital needed to finance your company s long-term growth. Adjustable Rate Loans Lakeside Bank offers commercial loans with adjustable rates. These rates are indexed to the Prime Lending Rate. Real Estate Loans We are experienced in all types of real estate lending, including commercial and industrial properties. Lakeside Bank offers the alternatives and the expertise to help you achieve your real estate investment objectives. Acquisition financing Commercial real estate mortgages Refinancing an existing commercial real estate loan Construction Financing Lakeside Bank can handle all factors in the successful construction lending equation. We have the experience necessary to understand architectural plans, as well as work and payment schedules of all subcontractors.

4 Commercial Services Master Money Business Debit/ATM Card Access your business account with your business debit card. Simply present the debit card for payment and the funds will be automatically deducted from your checking account. No need to write checks, because a debit card works just like a check. Multiple cards can be issued with specific limitations set for each. Cash Management Whether you are a small or large company, Lakeside Bank will design a system that works for you using the most efficient combination of the following deposit, disbursement, and automated cash management services: Deposit Services Check collection Funds concentration Coin & currency services Lockbox Services Payments come direct to your Post Office Box Reduce cost associated with remittance processing Promotes improved cash flow Customized reports allow greater audit controls Disbursement Services Check payment Control disbursement Zero balance account Wire transfers Automated Services Direct payroll deposit Automated check reconciliation Automated lockbox Vault Services Armored car deposits High-volume currency and coin services Armored car centralized cash deposit processing

5 Additional Commercial Services Harbor Master Remote Deposit This product allows you to deposit funds without leaving the office! It is designed for businesses located a long distance from a Lakeside Bank branch, businesses that have multiple locations, businesses with small to medium amounts of non-cash deposits, and businesses that want to save time. No endorsing or sorting checks No preparing deposit slips No waiting in lines No couriers Scan checks and send to centralized processing location via secure internet connection On-site archive provides easy accessibility when research is necessary Safe Harbor Express Deposit This deposit remittance product allows Lakeside to receive and process your customers payments to complete deposit transactions and make funds quickly available which you can then review. It is ideal for real estate property managers; medical and dental practices; marketing and media firms; attorney, consulting, and accounting practices; multiple-client service organizations; contractors; manufacturing companies; and wholesale businesses. Through our personal service, we can customize a processing program to interface with your systems to satisfy all of your business needs. Payments come direct - to your Post Office Box Same day processing Electronic data file reporting Fast cash availability Multiple document handling Partial payment processing Timely, accurate data reporting Secure data with authorized access Promotes improved cash flow

6 Commercial Online Services Business Online Banking is safe and secure Free Online Banking & Bill Payment Check account balances View detailed account history & check images Transfer funds between accounts Check reorder Small Business Online Banking is safe and secure Check account balances View detailed account history & check images Transfer funds between accounts Bill Payment Check reorder Change of address Stop payments Wire transfer ACH Payments Check reorder Manage User Access $10.00 monthly service fee Cash Management Online Banking is safe and secure Check account balances View detailed account history & check images Transfer funds between accounts Obtain activity reports Bill Payment available Change of address Stop payments Wire transfer International wire Enhanced internal security Bill Payment Check reorder EFTPS Tax Payments online Payroll ACH Payments ACH Single Receipt ACH Single Payment ACH Collections Manage User Access $25.00 Monthly Service Fee

7 Trader Options A trader needs to make critical, split-second financial decisions on a daily basis. That s why Lakeside Bank has designed a package of financial services especially for traders. Not only are we equipped to efficiently and profitably manage your daily business banking needs, but Lakeside Bank also has a full-service branch office located conveniently in the Chicago Board of Trade building. Settlement Services For the Chicago Board of Trade (CBOT) and the Chicago Mercantile Exchange (CME). Membership Financing Lakeside Bank offers membership financing for CBOT, CME, CBOE, DTC, NSCC, and other major exchanges. Adjustable Rate Loans Lakeside Bank offers commercial loans with adjustable rates. These rates are indexed to the Prime Lending Rate. Personal Credit Services We understand that traders need to have credit available to profitably manage their businesses. Lakeside Bank has a variety of options to help manage your personal and business credit needs. Personal installment loans Personal lines of credit Business lines of credit Home equity credit lines

8 CDARS * CDARS is the Certificate of Deposit Account Registry Service. And it s the easiest, most convenient way to access FDIC insurance on large deposits. Multi-Million-Dollar FDIC Insurance. Using the CDARS service, you can access multi-milliondollar FDIC insurance on CD investments.* CD-Level Returns. You can earn rates that historically have compared favorably with other investment alternatives, including U.S. Treasuries and money market funds. One Bank. You work directly with just us the bank you know and trust to secure large deposits. With CDARS, you can avoid the hassle of opening accounts at different banks in different insurable capacities. One Rate. You earn one interest rate per maturity on your CD investments through CDARS. With CDARS, there is no need to negotiate multiple rates or manually tally disbursements for each CD. One Statement. You receive one regular statement detailing your CD investments. You no longer need to consolidate statements at the end of each month, quarter, or year. No Fees. You pay no hidden fees of any kind. We do not charge annual fees, subscriptions fees, or transaction fees for using the CDARS service; the rate you see is the rate you get. Reduced Collateralization. By making your CDARS deposits eligible for multi-milliondollar FDIC protection, you can reduce the time-consuming task of tracking collateral values on an ongoing basis. A Wide Variety of Maturities. You can select from various maturities ranging from 4 weeks to 5 years (260 weeks) and choose the terms that best suit your investment needs. You also can ladder your CDs or combine maturities to create the equivalent of a customized term. Community Investment. Your funds can support lending initiatives, including special development projects that strengthen the local community.* *See a Lakeside banker for a complete CDARS package.

9 IOLTA Are you an attorney in private practice who receives client funds to be held in trust for short periods of time? If YES, then Lakeside can work with you to open an Interest on Lawyer Trust Account (IOLTA) which is then pooled to provide legal aid to those who cannot afford it. Conveniently manage your clients funds and maintain accurate record keeping Meet compliance requirements No tax implications Earn a competitive, tiered interest rate No minimum balance requirements Lakeside Bank submits interest earnings each month to the Lawyers Fund of Illinois. Lakeside is proud to be an IOLTA-friendly institution. With a competitive interest rate we can make a greater impact on the funds available for legal services programs for individuals and families living in poverty, continuing our dedication to giving back to the communities we serve.

10 Business Savings & Money Market Business Savings Allows your business to earn interest on excess balances. $1,000 average monthly balance requirement ($15.00 monthly fee if falls below requirement) Competitive interest rate Interest paid quarterly Unlimited deposits 6 withdrawals allowed per month (excess debit fee assessed for each withdrawal over 6) Business Money Market Allows your business to earn money market rates on excess balances. $10,000 average monthly balance requirement ($25.00 monthly fee if balance falls below requirement) Competitive tiered interest rate Interest paid monthly 6 withdrawals allowed per month (excess debit fee assessed for each withdrawal over 6) Lighthouse Money Market Allows your business to earn interest on excess balances. $25,000 average monthly balance requirement ($25.00 monthly fee if falls below requirement) Competitive tiered interest rate Higher rates for higher balances Monthly statement 6 withdrawals allowed per month (excess debit fee assessed for each withdrawal over 6)

11 Business CDs Business Certificates of Deposit Allows your business to lock in a competitive fixed rate of return for a specified period on excess balances. $2,500 minimum balance required to open Competitive fixed rate of return Variety of terms 90 days to 60 months available Monthly interest checks are available or funds may be transferred to any Lakeside Bank account Jumbo Business Certificates of Deposit This account is for businesses who want a higher fixed rate of return and are willing to invest in more. $100,000 minimum balance required to open Competitive fixed rate of return Variety of terms 30 days to 60 months available Monthly interest checks are available or funds may be transferred to any Lakeside Bank account

12 Contact Information & Branch Locations Main Number Toll-Free Number LSB (1572) Website Mortgage Loans Lakeside Link - Telephone Banking BANK (2265) To report your card lost or stolen, please call Board of Trade 141 W. Jackson Blvd. Chicago, IL South Loop 1350 S. Michigan Ave. Chicago, IL UIC/Near West 1055 W. Roosevelt Rd. Chicago, IL North Loop 55 W. Wacker Dr. Chicago, IL Chinatown/Pilsen 2200 S. Archer Ave. Chicago, IL Lakeview/Lincoln Park 2800 N. Ashland Ave. Chicago, IL REV 06/15