Fee Schedule: Personal Products & Services

Fee Schedule: Personal Products & Services New York October 1, 2015 For use with Account Agreement and Disclosures

Fee Schedule: Personal Products & Services Please see page 11-12 for explanation of all footnotes. CHECKING, MONEY MARKET, SAVINGS Personal Checking Account (Also applies to Special Checking) Required opening deposit $1,000 Average daily balance 1 $3,000 No monthly If average daily balance not $20 monthly met during statement period Basic Banking Account Required opening deposit $25 Monthly $3 First eight (8) checks per month No Charge Each check over eight (8) $0.60 per check (Includes checks that have been electronified) First eight (8) electronic debits per month 2 No Charge Each electronic debit over eight (8) $0.60 per debit Interest Checking Account Required opening deposit $1,000 Average daily balance 1 $3,000 No monthly If average daily balance not $20 monthly met during statement period Interest Checking Plus Account Required opening deposit $2,500 Average daily balance 1 $3,500 No monthly If average daily balance not $26 monthly met during statement period City National Green Checking Account City National Green Checking is an interest-bearing account available exclusively online. To open this account, please visit cnb.com. Required opening deposit $500 Average daily balance 1 $1,000 No monthly With direct deposit No monthly If average daily balance not met $10 monthly during statement period and no direct deposit 1

Paper statement fee 3 (no charge for electronic statements) Each check (Includes checks that have been electronified) 2 Charges and Fees $5 per month $2 per check Note: City National Green Checking is designed for ATM, check card and online banking transactions (no checks). If a check is presented for payment against the account, this fee applies. Continued use of checks may result in the account being closed or converted to another type. Withdrawals may be made by ATM using your City National ATM or Visa Check Card. Payments may be made at participating merchant locations using your City National ATM or Visa Check Card or through City National Online Banking with Bill Pay. CNB will waive our fee on withdrawals made at non-cnb ATMs. CNB will pay all reasonable surcharges assessed by non-cnb ATM operators up to a maximum of $20 per statement cycle. Amounts in excess of these limits will be charged to the account. Please note that the International Transaction Fee is not a surcharge and is not included in the waiver of surcharges. Platinum Banking Account Platinum Banking is an interest-bearing account package with tiered benefits. To receive the benefits of a particular tier, the balance requirements for that tier must be met. Required opening deposit $1,000 Minimum average $3,500 No monthly qualification balance 4 If minimum average qualification $26 monthly balance not met Additional Benefits of Platinum Banking In all tiers of Platinum Banking, CNB will waive our fee on withdrawals made at non-cnb ATMs. CNB will pay all reasonable surcharges assessed by non-cnb ATM operators. Please note that the International Transaction Fee is not a surcharge and is not included in the waiver of surcharges. Balance Level Tier One <$3,500 average qualification balance ATM benefits described above Flat rate of interest determined by CNB Tier Two $3,500 average qualification balance Monthly Maintenance Fee waived ATM benefits described above Flat rate of interest determined by CNB Tier Three $7,500 average qualification balance Tiered Rate of Interest Cashier's Checks with no fee Monthly Maintenance Fee waived ATM benefits described above Tier Four $10,000 average qualification balance All the benefits of Tier Three plus: $25 dollar credit toward the annual rental of a safe deposit box Tier Five $50,000 average qualification balance All the benefits of Tier Three plus: $50 dollar credit toward the annual rental of a safe deposit box Monthly Maintenance Fee waived on one (1) additional Personal Checking Account. The additional account must be

owned by the same individual who owns the Platinum Banking Account. Closed or Converted Platinum Banking Accounts If your Platinum Banking Account is closed or converted to another account type, the benefits stated above may be discontinued at CNB's sole discretion and standard fees and charges will apply. Other Platinum Banking may not be tied to, or the balances combined with, any other CNB account or product requiring or permitting a combined balance. Personal Money Market Account (Also applies to Employee Benefits Money Market Account) Required opening deposit $2,500 Minimum daily balance $2,500 No monthly If minimum daily balance not $20 monthly met during statement period Federal transaction limitations (Regulation D) apply. 5 The Ladder Personal Money Market Account Required opening deposit $10,000 Minimum daily balance $10,000 No monthly If minimum daily balance not $25 monthly met during statement period Federal transaction limitations (Regulation D) apply. 5 Personal Savings Account (Also applies to Employee Benefits Savings Account) Required opening deposit $50 Average daily balance 1 $100 No monthly If average daily balance not $5 monthly met during statement period Federal transaction limitations (Regulation D) apply. 5 Child Performer Trust Account (New York Only) Required opening deposit $100 Average daily balance 1 $500 No monthly If average daily balance not $5 monthly met during statement period Maintenance fee waived on Child Performer Trust Accounts until account beneficiary reaches age 18. Federal transaction limitations (Regulation D) apply. 5 3

City National Green Savings Account City National Green Savings is an interest-bearing account available exclusively online. A personal City National checking account is required to qualify for this account. To open this account, please visit cnb.com. Required opening deposit $500 Average daily balance 1 $1,000 No monthly With automatic savings plan of No monthly $50 or more per month If average daily balance $4 monthly not met during statement period and no automatic savings plan of $50 or more per month Paper statement fee 3 $5 per month (no charge for electronic statements) Federal transaction limitations (Regulation D) apply. 5 This account does not allow for payments or withdrawals by check. Withdrawals may be made at an ATM using your City National ATM or Visa Check Card. CNB will waive our fee on withdrawals made at non-cnb ATMs. CNB will pay all reasonable surcharges assessed by non-cnb ATM operators up to a maximum of $20 per statement cycle. Amounts in excess of these limits will be charged to the account. Please note that the International Transaction Fee is not a surcharge and is not included in the waiver of surcharges. TERMS AFFECTING ALL PERSONAL CHECKING, PERSONAL MONEY MARKET, AND PERSONAL SAVINGS ACCOUNTS An early closing fee of $20 will be assessed to accounts closed within 90 days from opening. This charge is waived for transfers to other CNB locations, provided the account is maintained with us at least 90 days. Any Federal Reserve Bank large item charge for processing a check of $1 million or more and any Internal Revenue Service charge for failing to provide an account tax identification number may be passed through as a charge to the account or charged to you directly or to any other account of yours with us. Government Assessments: CNB reserves the right to assess a fee to its depositors to pass through some or all of the fees provided by law assessed to CNB by government agencies and governmentsponsored entities. The fee may vary and will appear on a statement as "Assessment Fee." TERMS AFFECTING ALL PERSONAL INTEREST-BEARING CHECKING, SAVINGS, AND MONEY MARKET ACCOUNTS Interest Paid on Funds The interest rate and associated Annual Percentage Yield (APY) are established by CNB and may vary as often as daily. APY assumes no withdrawal of credited interest and no change in interest rate for a full year. For all interest-bearing checking and money market accounts, funds from items deposited other than cash or check(s) drawn on CNB begin to accrue interest on the Business Day CNB receives credit for the items. Cash and funds from items drawn on CNB begin to accrue interest on the Business Day of 4

deposit. Interest accrues daily and is compounded and credited on the last day of the statement period. For savings accounts, funds from items deposited begin to accrue interest on the Business Day of deposit when such deposits are made prior to our established cutoff time, or the next Business Day if not deposited on a Business Day, or if deposited after our established cutoff time. Interest accrues and compounds daily and is credited on the last day of the statement period. Your account must remain open through the time interest is credited to receive interest accrued during that statement period. For Platinum Banking, we use the average daily balance method to calculate interest, on a 365-day per year basis. This method applies a periodic rate to the average daily balance in the account for the statement period. The average daily balance is calculated by adding the interest-bearing (collected) balance in the account for each calendar day of the period and dividing that figure by the number of calendar days in the period. With the exception of Platinum Banking, CNB calculates interest on a 365-day year basis using the daily balance method, by which the daily periodic rate is applied each day to the interest-bearing balance in the account after all transactions for the day have been posted. As required by law, CNB reserves the right to require a sevenday written notice prior to the withdrawal or transfer of funds from these accounts. It is unlikely that such a requirement will be imposed. All interest-bearing accounts are variable rate accounts unless otherwise specified in writing. At CNB's discretion, we may change the APY and interest rate on your account at any time. The tier structure for all interest-bearing accounts, except Green Savings, is as follows: Less than $500 $50,000 to < $100,000 $500 to < $1,000 $100,000 to < $250,000 $1,000 to < $2,000 $250,000 to < $500,000 $2,000 to < $2,500 $500,000 to < $1,000,000 $2,500 to < $5,000 $1,000,000 to < $5,000,000 $5,000 to < $10,000 $5,000,000 to < $10,000,000 $10,000 to < $25,000 $10,000,000 to < $50,000,000 $25,000 to < $50,000 $50,000,000 or more Rates and yields for each tier level apply to the entire balance for savings accounts and to the interest earning balances on interestbearing checking and money market accounts. Two (2) or more consecutive tiers may be offered at the same rate. In this case, the Interest Rates Bulletin may show those multiple tiers as a single tier. Tier rates may vary and may be higher or lower than a preceding tier. We may change tiers at any time without notice. Rates and yields are available in the current applicable CNB Interest Rates Bulletin. There are two tiers for the Green Savings account and rates and yields for each tier level apply only to the balance in that tier. Rates, yields, and the tier structure are available online under Green Savings at cnb.com. If the balance in the account exceeds the maximum balance for the first tier, the interest on the funds in the account will be calculated at two (2) separate rates. The first rate listed will apply to all funds in the first balance tier. Funds in the account exceeding the first tier will earn the rate disclosed for the second balance tier. We may change the tiers at any time without notice. 5

CERTIFICATES OF DEPOSIT Required Opening Deposit, Interest Rates, and Yields Refer to the Interest Rates Bulletin for the Certificate of Deposit account about which you have inquired or your deposit receipt. APY assumes interest remains on deposit for the term of the certificate. Interest Payment CNB calculates interest on a 365-day year basis using the daily balance method by which the daily periodic rate is applied each day to the principal in the account. Interest begins to accrue on funds deposited on the Business Day of deposit, when made prior to our established cut-off time. Certificate of Deposit accounts earn a simple rate of interest compounded only if and when interest is posted to the account. You may choose to have your interest posted monthly, quarterly, semiannually, or annually. For accounts with a term of less than one (1) year, you may also choose to have interest posted at maturity, in which case interest will not be compounded. The interest rate quoted on your deposit receipt will remain in effect until the maturity of the account, unless otherwise specified in writing. Interest may be withdrawn without penalty at any time prior to maturity after it is credited to the account. Any withdrawal will reduce earnings. At maturity, interest becomes principal. Renewals A Single Maturity account does not automatically renew. Interest is not earned after maturity. An Automatic Renewal account renews on its maturity date for the same period as originally selected unless CNB notifies you of a different term. If the certificate has a term of greater than one (1) month, CNB will notify you in advance of the renewal and will tell you when the rate will be known. The interest rate at renewal will be determined by CNB on or before the renewal date. For certificates with a term of 32 days or more, you will have a 10- day grace period after the maturity date to advise us if you do not want the account to automatically renew or to withdraw funds without penalty. For certificates with a term of less than 32 days, the grace period will be one (1) Bank Business Day, not to exceed four (4) calendar days. No interest is paid on funds withdrawn during the grace period. A withdrawal may affect your interest rate or maturity date. If the account is not automatically renewed, the funds on deposit will not earn interest after maturity. Transaction Limitations No deposits to or withdrawals of principal may be made prior to maturity unless otherwise specified in writing. Interest credited to the account before maturity may be withdrawn without penalty. Interest becomes principal at maturity. Penalty for Early Withdrawal If a withdrawal of principal is permitted, the following penalties may apply: For certificates issued for seven (7) to 31 days, the penalty is the greater of: (a) seven (7) days' interest, (b) all interest earned since the most recent issue or renewal date, or (c) all interest which could have been earned during one-half of the maturity period. For certificates issued for 32 to 179 days, the penalty is 30 days' interest. 6

For certificates issued for 180 days to one (1) year, the penalty is 90 days' interest. For certificates issued for over one (1) year, the penalty is 180 days' interest. For all certificates, each penalty is calculated on the amount withdrawn. A penalty may be waived for certain reasons permitted by law, such as the death or legal incompetence of any owner. Retirement Accounts Deposits, including Certificates of Deposit, held in Individual Retirement Accounts or other tax-qualified plans are also subject to the plan disclosure and the penalty stated in the disclosure when applicable. A Retirement Account Termination or Transfer Fee may apply when the plan and the accounts are terminated or transferred to another financial institution. SERVICE FEES (PERSONAL) Fees applicable to all existing non-analyzed personal products and services. Fees assessed will be printed on your City National statement. Charges and Fees Account Research/ $35 per hour, Reconcilement Fee 1 hour minimum Automated Clearing House Services (ACH) - Positive Pay Block Debit Authorization - Manual Filter Debit Authorization - Manual ATM/Check Card Transaction conducted at a CNB ATM Non-proprietary ATM withdrawal 6 7 $50 per account per month $50 per account per month No charge $2.50 per withdrawal Card or PIN replacement Mail delivery No charge Express delivery $55 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag - loose Coin bag - rolled Cashier's Checks $10 Checks purchased by non-clients $15 (only with an item drawn on CNB) $5 per bag $7.50 per bag Coin Deposited Exceeding $100 $0.005 per $1 Collections Domestic incoming/outgoing $25 International incoming/outgoing $100 Counter Check Coupon Collection Fee $1 per check $25 per envelope

Deposit Account Control Agreement Setup fee Legal review Monthly maintenance Deposited Checks Returned Item Advice Special handling instructions Fax notification Telephone notification Photocopy of check Charges and Fees $500 minimum per setup $300 per hour 1 hour minimum $100 per account $5 per account per month $6 each $10 each $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Escheat/Abandoned Account $2 Notice (as permitted by law) Foreign Bank Draft $55 Foreign Check Deposited Sent for collection $100 Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent] $0 - $1,000 $25 $1,001 - $25,000 $45 $25,001 - $100,000 $75 > $100,000 $100 Available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Additional fees may apply; see your International Banking Services Fee Schedule or contact your CNB Relationship Manager for details. Foreign Currency Service Non-Client Processing Fee Foreign Exchange (FX) Foreign Currency Denominated Deposit Account, non-interest bearing $15 per occurrence $50 per month If a Foreign Currency Denominated Deposit Account is maintained, the fee listed above will be charged. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Additional fees may apply. See your International Banking Services Fee Schedule or contact your CNB Relationship Manager for details. Legal Process Fee (Attachments, $100 (levies, garnishments, subpoenas, etc.) 8

Legal Review of Documents Charges and Fees $300 per hour or at cost, if higher 1 hour minimum Overdraft Fees and Insufficient Funds (NSF) Fees 7 Paid or returned debits $37 per debit Maximum daily NSF/OD fees $185 per day If, after all items have been posted at the end of the day, the account is overdrawn by less than $5, we will not assess the applicable NSF/OD fee. Continuous Overdraft Fee Assessed each Business Day after the 4 th calendar day that an overdraft is not repaid 8 $5 per Business Day Accounts Overdrawn At the discretion of 60 days or more CNB, the higher of $5 per Business Day or CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and announced as its "prime rate." Personal Savings Overdraft Service Transfer fee Photocopy Fee for Canceled Checks (Clients may receive two (2) check photocopies that include front and back of check at no charge, per monthly statement cycle) Research Fee (includes check reclamation, crime reports, legal records, and other requests) Retirement Account Termination or $50 Transfer Fee $10 per transfer $5 per copy $35 per hour, 1 hour minimum $1 per copy Safe Deposit Box Drilling fee Cost + $30 Duplicate key $15 Late or no show for locksmith Cost + $30 appointment Late payment > 15 days $10 Manual payment processing $12.50 Signature Guarantee - Standard Signature Guarantee - Medallion Special Handling Posted or Non-Posted Item Review Instructions First 30 days After 30 days After 60 days, monthly review fee $10 per signature $15 per signature No charge $2 per item reviewed $75 per month 9

Special Signing Instructions 9 (Accounts with multiple signature requirements) Statements Monthly statement Duplicate (past cycles) Duplicate (recurring) Instant statement Interim statement cut-off Multiple statements per month Undeliverable statement Paper Statement Format Options Standard statement with no check images Standard statement with check images (18 images per page, front image only) 10 10 Charges and Fees $7 per month per account No charge $6 per statement $4 per statement $4 per statement $5 per statement $5 per month $2.50 per month No charge $2 per month Enhanced check image statements (12 images per page, front and back images) 11 50 check images or fewer $3 per month 51-249 check images $5 per month 250 or more check images $10 per month Large check image statements (12 images per page, front image only) 11 50 check images or fewer $2 per month 51-249 check images $2.50 per month 250 or more check images $5 per month Electronic Statement Available through City National Online Stop Payments 6-month term $30 Renewal, 6-month term $30 Post-dating hold fee $30 2-year term $40 Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified Setup $50 Annual fee $20 Foreign bank draft, 6-month term $30 Accepted stop payment request - $20 CNB Cashier's check Verification of Deposit $20 (Including written balance confirmations and credit ratings) Wire Transfers Domestic Incoming $13 Domestic Outgoing: No charge

Charges and Fees Drawdown/Reverse $15 Non-repetitive $35 Repetitive $25 International Incoming $13 International Outgoing Internet-initiated (Foreign Currency or USD $20 Non-internet Initiated Non-repetitive - Foreign Currency $50 Non-repetitive - USD $55 Repetitive - Foreign Currency $40 Repetitive - USD $45 Wire Principal Protection Service 12 $25 Wire Investigation 13 $30 Wire Notification Mail $4 Fax $6 Telephone $12 Other fees may apply depending on the services used. At CNB, every day is a "Business Day" except Saturdays, Sundays, and bank legal holidays even if we are open. We may establish cut-off times during each Business Day after which transactions presented are considered presented the next Business Day. As used in this Schedule, the term "CNB" includes "we," "us," and "our," and "you" and "your" means you, our client. Unless otherwise noted, charges are on a per-item basis. Other charges for services pertaining to your individual account may be assessed. Check with your CNB Relationship Manager for more information. Order of Posting: Our goal is to pay transactions as closely as possible to the order in which you initiated them. On each Business Day, deposits or credits to your account will post before any payments or fees are deducted. After the credit transactions, we will generally post ACH items first. ACH items are usually authorized in advance by you and are recurring payments such as a mortgage or car payment. Checks will then post in serial number order, which is usually the order in which you have written them. Lastly, other debits, such as ATM or debit card transactions, which are generally your most recent transactions, will be posted. Required Initial Deposits: The required initial deposits stated may vary when accounts are established online and may also be waived or varied at the discretion of CNB. 1 Average daily balance determined by adding each day's closing ledger balance during the statement period and dividing by the number of days in that period. 2 Electronic debits include automatic transfers or payments, Check Card transactions, POS transactions and wire transfers out of this account. Fees and charges assessed by CNB are not counted toward this limit. 3 Paper statement fee will be assessed if a periodic statement is produced and mailed by City National Bank. 11

4 The average qualification balance for Platinum Banking is calculated three (3) Business Days prior to end of the statement cycle date ("qualification date") by adding each day's closing ledger balance up to and including the qualification date and dividing by the number of days from the beginning of the statement period up to and including the qualification date. This calculated average is used to determine the benefit tier for that period. 5 Up to six (6) debit transactions per monthly statement period are permitted on this account. Applicable debit transactions include pre-authorized or telephonic transfers, checks (including electronified checks), drafts, debit card, point-of-sale (POS) transactions using your ATM card, or similar order to pay a third party. A $15 charge for each transfer in excess of the maximum will be assessed. Continued violation may result in account conversion or closure. Savings accounts do not allow withdrawal by check. Withdrawals from Child Performer Trust Accounts are limited by law. 6 Waived for Platinum Banking, Green Checking, and Green Savings. 7 Debits for which overdraft/insufficient funds fees can be assessed include any transaction presented for payment against an account (such as checks you write, ACH transactions you authorize, ATM withdrawals, returned deposited items, Check Card, and point-of sale transactions) and the fee applies to all debits presented whether they are paid or returned. Overdraft fees are not assessed on our fees and charges. Overdrafts on consumer accounts created by debit card or ATM transactions are not allowed unless with consumer agreement and allowed by law and no overdraft/insufficient funds fee is assessed when such a transaction is not allowed. 8 The continuous overdraft fee will apply regardless of the type of transaction that caused the initial overdraft. It is not charged for the day of repayment. 9 All checking, savings, and money market accounts with multiple signature requirements will be charged the monthly fee. Multiple signature requirements apply to withdrawals by check, and to withdrawals and transfers made in person, and do not apply to transfers or withdrawals originated through Electronic Fund Transfer Services, including checks that are subject to electronic check conversion. 10 Not waived when minimum or average balance requirements are met. Not applicable to Green and Lifeline Checking Accounts. 11 Not waived when minimum or average balance requirements are met. Not applicable to money market accounts. 12 Available for limited currencies only. 13 Includes amendments, recalls and tracers. Additional charges may apply due to charges incurred by CNB when conducting the investigation. 12

Effective October 1, 2015 CNB Member FDIC (504) Member Federal Reserve System ID 00900 (Rev 10/2015)