Account Rates and Terms 1st Business Checking Rates and information effective October 13, 2015

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1 1st 1st to Earn APY to Avoid NA $1,000 $100** Account Limitations. Transaction Limitations.* 250 transactions, plus 30 deposits (up to 300 checks deposited free). We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Fees and Charges. See Schedule of Fees and Charges. Fees may reduce the earnings on your account.. Monthly Maintenance Account balance below $1,000 - $7.00**

2 Nonprofit to Earn APY to Avoid Nonprofit NA $2, Other restrictions apply $ Account Maintenance Requirements. To avoid the monthly maintenance service charge the following requirements must be met: Two (2) external withdrawals or the minimum daily balance required for this account. The Nonprofit account will be considered inactive after three months with no account activity. Security Bank of Washington anticipate having available for the applicable period. Account Limitations. Transaction Limitations.* Available to non-profit organizations only (verification may be required). 250 transactions plus 30 deposits (up to 300 checks deposited for free) maximum. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Fees and Charges. See Schedule of Fees and Charges. Fees may reduce the earnings on your account.. Monthly Maintenance : Account Maintenance Requirements OR Minimum not met - $10.00.

3 Premier Premier to Earn APY to Avoid NA NA $100 Account Limitations. Transaction Limitations. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Fees and Charges. See Schedule of Fees and Charges. Fees may reduce the earnings on your account. This account pays an Earnings Credit Allowance. s earn an earnings credit that may offset the Monthly Maintenance, per item fees, and charges per account transaction activity noted below. These fees are in addition to the fees and charges listed on the Schedule of Fees and Charges -. Fees charged against this account are as follows: $0.20/deposit $0.06/item ACH items $0.08/item Deposit insurance assessment rate of on end of month balance. Monthly Maintenance - $7.00.

4 Next Level April 1, 2016 Next Level to Earn APY to Avoid NA $15,000 $100 Account Limitations. Transaction Limitations. 500* paper transactions. Paper transactions are defined as checks deposited and checks written. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Fees and Charges. See Schedule of Fees and Charges. Fees may reduce the earnings on your account.. Monthly Maintenance Account balance below $15,000 - $20.00 Account Benefits. The following fees and charges are waived with this account. Free Online Banking Wire Transfer Outgoing Domestic one per statement cycle free

5 Platinum April 1, 2016 Platinum to Earn APY to Avoid NA $250,000 $1,500 requirements reflect total of all business deposit account relationships, by the same primary Tax ID number, with 1st Security Bank. For example a Platinum balance of $105,000 and a Money Market balance of $150,000 would meet the $250,000 minimum balance requirement for the Platinum account. See Fees and Charges below for Monthly Maintenance if minimum balance requirement is not met. Account Limitations. Transaction Limitations. 750* paper transactions per month. Paper transactions are defined as checks deposited and checks written. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Fees and Charges. See Schedule of Fees and Charges. Fees may reduce the earnings on your account.. Monthly Maintenance Account balance below $250,000 - $50.00 Account Benefits. The following fees and charges are waived with this account: Free Online Banking Free Cash Management Online Banking Free single feed RDC product and with no monthly service charge related to this service Wire Transfer Outgoing Domestic three per statement cycle are free

6 SCHEDULE OF FEES AND CHARGES Accounts Accounts Account Charges and Fees Abandoned/Dormant Account $60.00 Account Overdraft Transfer from Savings $10.00/transfer Account Research $10.00/15 min Legal Claims & Orders, Immigration Account Verification, Balancing Account /Checkbook, General Account Research Armored Car Service $25.00 per week (plus fuel & tax) ATM/Debit Card - Replace $15.00/card (First 2 cards per account are free) ATM Use Out of Network $2.00/use Cancelled Check Copy $2.00/copy Check Cashing Non-Customer cashing an on-us check $5.00/ check Counter Checks $3.00/ page (3 checks per page, minimum 1 page) Courier Service Quote available Subject to time of delivery and location Custom Mail Processing $5.00/ month ATM/Debit Card Rush Orders $50.00/order Excessive Transfers/Withdrawals $25.00/day (Per day from savings or money market account exceeding the Transaction Limitations per month.) Fax Notifications $5.00/fax Foreign Check $15.00/dep Insufficient Funds (paid/returned item) $35.00/item (Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means when funds are not on deposit) Legal Processing Fee $100.00/req (Requests for information from government and enforcement agencies, including, but not limited to: levies, subpoenas, and garnishments). Medallion Signature Guarantee Customer No charge Non-Customer Not available Notary Customer No charge Non-Customer (per notarization) $5.00 Official (Cashier s) Checks Customer $5.00/check Non-Customer $10.00/check Returned Check (deposit item) $10.00/item Sales Draft Copy VISA Debit Card $10.00/copy Special Handling $10.00/month Statement Copy $3.00 Stop Payment Domestic $30.00/stop Sweeps (to/from 1SB commercial LOC) $40.00/sweep Account Charges and Fees (continued) VISA/MC Cash Advance Processing Fee $10.00/adv Wire Notification $1.00/notice Wire Transfer Incoming $10.00 Outgoing Domestic $20.00 Outgoing Domestic ewire $15.00 Outgoing International in US funds $35.00 Outgoing International in foreign funds $ st Express Deposit - Remote Deposit Capture Cancellation Fee within first 12 months of service $ Monthly Fee single feed scanner included $40.00 Monthly Fee single feed scanner customer purchased $30.00 Monthly Fee multi feed scanner included $75.00 Monthly Fee multi feed scanner customer $40.00 purchased Online Banking Standard no fee Multi-user Logins, Quickbooks compatible, and Detail Reporting, Transfers, Stop Payments, Bill Pay Cash Management $35.00/month ACH* origination, EFTPS*, Wire modules in addition to Standard Features Wire Transfer* *subject to approval Fraud Prevention (Premier only, all fees are per account) Reverse Positive Pay $50.00/month Image Lockbox Services (with Premier only) Fees based on the type of service(s) required. Contact Special Services for pricing information. SFees-B