Economy Checking Basic Checking Basic Checking Coastal Checking Fredom Checking Free Checking Basic Checking Free FCB Free Checking

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1 Name of Account Opening Deposit Requirements Bank of America CNL Bank EverBank My Access and E- Banking FineMark National Bank & Trust Florida Gulf Bank IberiaBank IronStone Bank Stonegate Bank SunTrust Bank Florida Community Bank Economy Checking Basic Checking Basic Checking Coastal Checking Fredom Checking Free Checking Basic Checking Free FCB Free Checking $25.00 No Minimum Required $ $10.00 $ $50.00 $50.00 $ $ Minimum Balance My Access-no minimum if monthly Direct Deposit of $1,500 Avgerage Daily Balance E-Banking-no minimum balance, must use self service options for deposits & withdrawals / paperless statements $0.00 $800 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Monthly Maintenance Fee My Access-$8.95 if no Direct Deposit /minimum balance required $5.00 per Month $7.95 $0.00 $10.00 $0.00 $0.00 $0.00 $0.00 E-Banking-$8.95 if Full Service banking is used ATM Charges Within Network $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Out-of-Network Charged by this Institution $2.00 $2.50 $0.00 $0.00 $0.00 $1.50 $1.50 $2.00 $0.00 Requirements of Direct Set up through My Access only None None None None No requirement Deposit employer None None Availabillity/Cost of Debit Card Can a new Bank on SWFL customer open an account online Availability/Cost of Online Banking Yes No No No No Yes No No No Yes/No fee Text Yes/No charge $0.00 None Yes/No charge Yes/No charge None Free Yes/No Charge Banking/Mobile Banking

2 Bank of America CNL Bank EverBank FineMark National Bank & Trust Florida Gulf Bank IberiaBank IronStone Bank Stonegate Bank SunTrust Bank Florida Community Bank Availability/Cost of Online Bill Pay Yes/No charge Yes/No charge $0.00 None Yes/No charge Yes/No charge for up to 10 transactions monthly None Free Yes/No Charge Acceptance of Alternative ID (non-us government IDs) Primary-Government issued photo ID Secondary-Flexible for opening accounts Major credit card-last 4 digits, State or Local government issued ID with photo Government issued drivers license, state ID, military ID, passport State Issued ID/Drivers License/Passport and second form of ID-SS Card/Credit Card/Utility Bill, etc. Valid drivers license, State issued photo ID, Passport, Resident Alien ID, US military ID or Consular ID Valid US drivers license, Canadian drivers license, US Passport Book or Card w/photo, IS military ID w/photo, Department of Indain Affairs, In-State ID (at least 90 days old) Government issued ID, Social Security card Primary ID for US Person-Drivers license, State ID Card, Passport, Military ID, Gov't issued ID Card Primary ID for Permanent Resident Aliens-Cedular Card, Unexpired Visa w/photo, Matricular Consular, Other Unexpired Gov't issued ID s/photo, Alien Registration Card, Unexpired Foreign Passport. Primary for Foreign Nationals- Passport, I-94, Unexpired Visa w/photo Secondary ID for US and Non-US Persons-Voter's Registration Card, Social Security Card, Income Tax Return, IRS Document bearing SSN or TIN, Employee ID w/photo, Student ID w/photo, Professional License, Non-Resident Alien Card, Check Cashing Card, Birth Certificate, Marriage License, Divorce Certificate, Utility Bill, Library Card w/customer info, Health Insurance Card w/customer info, Credit Card, Firearms Permit, Concealed Weapons Permit Availability/Cost of Printed Checks Yes/Varies by style $8.95 Available/First set of checks free, ongoing reorders at customer None expense. If ordered through our vendor $ $4.25 shipping $19.50 including shipping Yes, minimum $9.95 First order free, thereafter fee depends on style of check $20.00 up depending on style selected Yes/Price Varies Cost of Money Orders $5.00 Customers $10.00 Non-Customers N/A N/A N/A Not sold in banking centers N/A $6.00 $5.00 N/A

3 Cost of Cashier's Checks Bank of America CNL Bank EverBank $10.00 Customers $20.00 Non-Customers FineMark National Bank & Trust Florida Gulf Bank IberiaBank IronStone Bank Stonegate Bank SunTrust Bank Florida Community Bank $10.00 $10.00 $10.00 Free to clients $15.00 minimum $6.00 $5.00 $5.00 Availability/Cost of Incoming/Outgoing Domestic/Foreign Wire Transfers Incoming Domestic- $12.00 Incoming Int'l- $16.00 Outgoing Domestic- $25.00 Outgoing Int'l- $45.00 Incoming-$8.00 Outgoing-$15.00 Incoming Domestic/Foreign- $0.00 Outgoing Domestic- $25.00 Outgoing Foreign- $50.00 Domestic- $22.00 and $10.00 Foreign- $40.00 and $10.00 Incoming-no charge Outgoing-$20.00 Foreign-$45.00 Domestic/Outgoing- $15.00 Incoming Domestic/Foreign- $10.00 Foreign Outgoing- $50.00 Domestic-$20.00 Foreign- $40.00 Domestic- $5.00/$30.00 Foreign- $15.00/$45.00 Incoming Domestic-$10.00 Outgoing Domestic-$20.00 Foreign Incoming-$10.00 Foreign Outgoing-$50.00 Financial Incentives for Completing Financial Education Second Chance Program N/A If the client is on Chexsystems, management approval is required to open the account. N/A Each individual would be reviewed on a case by case basis depending on the severity of the Chexsystems report. If the client has been on Chexsystems over a year, has no monies owed to other banks, had completed financial education program, we Program not available will proceed opening the yet account. Credit score requirements will still apply for all debit cards but ATM cards will be available. If the client is on chexsystems, management approval is required before opening the account. The financial education program may be required. We do not have a second chance account policy. Through Bank On SWFL, we would require the customer to complete the financial education program in order to open an account. Not offered Each customer would be reviewed on a case by case basis. NSF Fee Schedule & Waiver Policy $35.00 for OD/NSF (maximum 4 charges per day) /No Charge if less than $10.00/ Decline All Setting is available for Debit Card purchases The first NSF is waived as a client courtesy. After that NSF charges are $ See contents of policy $30.00 fee. Waiving is on a case by case basis. If a client is overdrawn we charge $30.00 fir each item paid in the negative. Waiving NSF fees is not something we usually do. Waiving NSF fees is not something we normally do. We do offer bounce protection. Fees are $35.00 per item. $30.00 per item. We offer a first time courtesy waive. Insufficient Funds/Overdratfs $28.00 ***Programs, products and fees are subject to change*** Revised: gjz

4 Company Name/Location Street City State Zip Phone Bank of America All Lee County Locations CNL Bank Fort Myers 5220 Summerlin Commons Boulevard Fort Myers FL Estero 7996 Mediterranean Drive Estero FL Bonita Springs 9124 (9160) Bonita Beach Road Bonita Springs FL EverBank Fort Myers 6321 Daniels Parkway Fort Myers FL FineMark National Bank & Trust Riverwalk Creekside Lane Fort Myers FL Coconut Pointe Coconut Road Bonita Springs FL Florida Gulf Bank College Pointe 9101 College Pointe Court Fort Myers FL Downtown Fort Myers 2247 First Street Fort Myers FL Summerlin Crossing 7580 Winkler Road Fort Myers FL Daniels Falls 8870 Daniels Parkway Fort Myers FL Del Prado 812 Del Prado Parkway Cape Coral FL Colonial/Six Mile 8341 Dani Drive Fort Myers FL Sandoval 2546 Heydon Lane Cape Coral FL Coconut Pointe Via Villagio Estero FL IberiaBank Colonial Crossings 4670 Summerlin Road Fort Myers FL Daniels Road 6651 Orion Drive Fort Myers FL Downtown Fort Myers 2225 First Street Fort Myers FL Cape Coral 1715 Cape Coral Parkway West Cape Coral FL

5 IronStone Bank HealthPark Bass Road Fort Myers FL Bell Tower Bell Tower Drive Fort Myers FL Del Prado 2127 Del Prado Boulevard South Cape Coral FL Bonita Springs 8891 Timberwilde Drive Bonita Springs FL StoneGate Bank All three locations would participate SunTrust Bank Fort Myers Financial Center New Brittany Boulevard Fort Myers FL Daniels Crossing 6890 Daniels Parkway Fort Myers FL Gulf Coast Town Center Ben Hill Griffin Parkway Fort Myers FL Island Park S. Tamiami Trail Fort Myers FL Lehigh Acres 1110 Homestead Road Lehigh Acres FL Metro Parkway 4415 Metro Parkway Fort Myers FL San Carlos S. Tamiami Trail Fort Myers FL Sanibel 2408 Periwinkle Way Sanibel FL South Fort Myers S. Tamiami Trail Fort Myers FL Summerlin Square Summerlin Square Drive Fort Myers FL The Forum 330 Forum Boulevard Fort Myers FL Chiquita 1533 W. Cape Coral Parkway Cape Coral FL Coralwood 2139 Del Prado Boulevard Cape Coral FL Del Prado 4532 Del Prado Boulevard S. Cape Coral FL Downtown Fort Myers 2000 S. Main Street Fort Myers FL Freedom Park 530 E. Cape Coral Parkway Cape Coral FL Merchants Crossing N. Cleveland Avenue North Fort Myers FL North N. Cleveland Avenue North Fort Myers FL Pine Island Stringfellow Road St. James City FL Punta Gorda 1225 S. Tamiami Trail Punta Gorda FL Punta Gorda Isles 1107 W. Marion Avenue, Suite 119 Punta Gorda FL Riverdale S. Palm Beach Boulevard Fort Myers FL

6 Florida Community Bank Fort Myers 7900 Summerlin Lakes Drive Fort Myers FL Bonita Springs 3360 Bonita Beach Road Bonita Springs FL Cape Coral (North) 205 Del Prado Boulevard S. Cape Coral FL Immokalee 1400 N. 15th Street Immokalee FL LaBelle 155 N. Bridge Street LaBelle FL Lehigh Acres 1261 Homestead Road North Lehigh Acres FL Naples (Golden Gate) 5240 Golden Gate Parkway Naples FL Naples (Moorings) 2400 N. Tamiami Trail, #100 Naples FL Naples (Vanderbilt) 2325 Vanderbilt Beach Road Naples FL