Service Charges and Fees

Service Charges and Fees

Service Charges and Fees Content 1. Personal Product Types and Service Charges 2. Personal Banking Service Charges and Fees 3. ATM and Debit Card Transaction Charges 4. Business Banking Service Charges and Fees 5. International Banking Services 6. Safe Deposit Box

1. Personal Product Types and Service Charges Personal Checking Accounts Average collected balance for statement period Maintenance fee/ per check charge $0 to $1,999 $20 per month plus $.35 per check $2,000 or greater No monthly maintenance fee or per check charge Personal Interest Checking Accounts* Average collected balance for statement period Maintenance fee / per check charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance fee or per check charge Preferred Personal Interest Checking Accounts* Eligibility restrictions may apply for this account Average collected balance for statement period Maintenance fee / per check charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance fee or per check charge Personal Savings Accounts Personal Savings Accounts with average collected balances of less than $500 for the quarterly statement period will be assessed a $15 quarterly maintenance fee as well as a $5 charge for each withdrawal in excess of six made during any monthly statement period. Personal Savings Accounts for minors (under 18 years of age) will not be subject to the quarterly maintenance fee or the excess withdrawal charge. Personal Money Market Accounts Average collected balance for statement period Maintenance fee / per check charge $0 to $4,999 $20 per month plus $.25 per check for the first six checks; $10 per check in excess of six checks $5,000 or greater No monthly maintenance fee $10 per check in excess of six checks Preferred Personal Money Market Accounts Eligibility restrictions may apply for this account Average collected balance for statement period Maintenance fee / per check charge $0 to $4,999 $20 per month plus $.25 per check for the first six checks; $10 per check in excess of six checks $5,000 or greater No monthly maintenance fee $10 per check in excess of six checks 1 Personal Certificates of Deposit We offer a wide range of Certificates of Deposit with rates and maturity terms designed to meet investment needs. A minimum opening deposit of $2,500 is required. A penalty may be imposed for early withdrawal. For additional information, refer to the Bank s Terms and Conditions brochure. * This is a Negotiable Order of Withdrawal account subject to the requirements of Regulation D.

2. Personal Banking Service Charges and Fees Bill paying foreign/domestic $15 per item Cash deposit processing $20 per hour Cash furnished/deposited Coin $0.10 per roll Currency $0.75 per strap Cashier s Checks and Bank Drafts Customers One free per month, then $5 each Non-Customers $20 each Check cashing on-us (non-customers) $2 per item Check printing charges Fees vary as per vendor's schedule Checking and savings accounts closed within six months $25 (waived for minors) Collection items (clean) Outgoing/Incoming $25 Documentary $25 plus costs Counter Checks $1.50 each Coupon collections $5 per item Coupon returned $20 per item Deposit corrections $6 each Deposited items returned $12 per item Dormant accounts $15 per month Gift Checks $2.50 per check Hold mail $25 per statement Interest charged on negative collected balances resulting from checks, or in-person withdrawals 14% per annum IRAs IRA Transfer fee $25 IRA Administrative fee $15 annually Loan payment returned checks $33 per check Notary Service (customers only) $5 Notice of levy or garnishment $100 plus costs Notice delivered by mail $5 Overdraft fees resulting from checks, in-person withdrawals or other electronic means, except ATM or POS transactions Paid Items $35 per item Returned Items $35 per item Overdraft protection $10 per transfer Return mail $10 per statement

Personal Banking Service Charges and Fees (continued) Request for research $30 per hour Special statements $10 per statement Statement reconcilement $35 per hour Stop payments $35 per item Travelers checks 2% Wire transfers Incoming $15 per transfer Outgoing Domestic $25 per transfer Outgoing International $50 per transfer Email Notification no charge Telephone notification $5 per transfer Tracers $15 per transfer Branch Originated Services Copies of checks, deposit tickets & deposited items $1 per copy Fax copies $5 per page Photocopies of prior statements $5 per page Transfers between accounts $5 per transfer Online Banking Services Account access No charge Account alerts No charge Bill payment No charge Deposit ticket images, last 395 days No charge Person to Person payments No charge Personal finance management No charge Statement and check images, previous 13 months No charge Stop payment $35 per item 3

3. ATM and Debit Card Transaction Charges The following service charges apply to transactions conducted at an Automated Teller Machine (ATM) using either our Bank's issued ATM or Debit Card or our Business Debit Card: ATM withdrawals, transfers or balance inquiries for our customers at our ATM Machines Free Cash withdrawal for our customers at Presto network ATMs Free Cash withdrawal for our customers at Non-owned ATMs $1.50 Transfer between accounts at Non-owned ATMs $1.00 Balance inquiries at Non-owned ATMs $0.75 Charge for replacement of lost, stolen or damaged card $5.00 Expedited delivery of Card $55.00 Expedited delivery of PIN $35.00 There is no charge for using the Cards for a payment or refund on purchases made at a Point-of-Sale (POS) terminal or authorized retailer within the United States. There may be an additional charge to your transaction when using an ATM/Debit Card at a location other than a Sabadell United Bank owned machine. For transactions performed outside the U.S., MasterCard and Visa assess up to 1% of the foreign currency transaction amount. These fees are referred to as International Service Assessment fees. A portion of these fees may be added to the transaction amount passed to your account. The cross-border transaction portion of this fee may be separately calculated and is passed to your account with the description SVC CHG INTRNL TRAN. ATM and Debit Card Transaction Limits Daily standard dollar limitations are in effect for various transaction categories as explained below: ATM withdrawals $500 POS transactions $1,000 Cash advances $1,000 Merchant purchases with the Business Debit Card or the Debit Card $2,500 Certain deposit products may have higher withdrawal limits. For specific dollar limits applicable to your card, please contact your Banking Center or call us at (305) 825-9132.

4. Business Banking Service Charges and Fees Analyzed Business Checking Accounts For businesses that have high balances/transaction volume and use multiple services. An earnings credit allowance is applied to reduce or eliminate fees on the account. Additional fees apply for Treasury Management and other business banking related services and are disclosed separately. Account maintenance Checks/debits paid Checks deposited Deposits/other credits posted Deposit Assessment Fee $16 per month $0.20 per item $0.15 per item $0.40 per item Assessed monthly and is based upon the account ledger balance The assessment fee is calculated as part of Account Analysis, is variable, and subject to change without notice. Small Business Checking Accounts For small businesses with lower volume of transactions each month. Average collected balance for statement period Maintenance fee $0 to $4,999 $20 per month $5,000 or greater No monthly maintenance fee No fee for the first 150 checks/debits paid, checks deposited, and deposits/other credits each monthly statement cycle. After 150 transactions: $0.20 per item. Additional fees apply for Treasury Management and other business banking related services and are disclosed separately. 5

IOTA Checking Accounts For attorneys and law firms for their client s deposits. IOTA accounts earn interest. Interest is remitted to the Florida Bar Association. Average collected balance for statement period Maintenance fee / per check charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance fee No per check charge for first 999 checks $.30 per check after 999 checks Additional fees apply for Treasury Management and other business banking related services and are disclosed separately. Non-Personal Interest Checking Accounts For sole proprietorships, trusts, guardianships, and estates Average collected balance for statement period Maintenance fee / per check charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance fee No per check charge for first 999 checks $.30 per check after 999 checks Additional fees apply for Treasury Management and other business banking related services and are disclosed separately. Non-Profit Interest Checking Accounts For non-profit organizations. Average collected balance for statement period Maintenance fee / per check charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance fee No per check charge for first 999 checks $.30 per check after 999 checks Additional fees apply for Treasury Management and other business banking related services and are disclosed separately. Community Association Interest Checking Accounts For community and homeowner s associations. Average collected balance for statement period Maintenance fee / per check charge $0 to $1,999 $20 per month plus $.30 per check $2,000 or greater No monthly maintenance fee No per check charge for first 999 checks $.30 per check after 999 checks Additional fees apply for Treasury Management and other business banking related services and are disclosed separately.

Business Money Market Accounts Minimum opening deposit: $2,500 Balances Maintenance fee/service charges* Interest rate* $0 to $4,999 $20 per month plus $.25 per check Market rate for first six checks; $10 per check in excess of six checks $5,000 or greater No monthly maintenance fee Market rate $10 per check in excess of six checks Preferred Business Money Market Accounts Eligibility restrictions may apply for this account Minimum opening deposit: $2,500 Balances Maintenance fee/service charges* Interest rate* $0 to $4,999 $20 per month plus $.25 per check Market rate for first six checks; $10 per check in excess of six checks $5,000 or greater No monthly maintenance fee Market rate $10 per check in excess of six checks Business Certificates of Deposit We offer a wide range of Certificates of Deposit with rates and maturities designed to meet investment needs. A minimum opening deposit of $2,500 is required. A penalty may be imposed for early withdrawal. For additional information, refer to the Bank s Terms and Conditions brochure. *All maintenance fees are based on average monthly collected balances and interest is paid on daily collected balances. 7

Business Banking Service Charges The following fees may be analyzed or hard charged depending on the type of account. Bill paying (foreign/domestic) $15 per item Branch originated fax copies $5 per page Cash deposit processing $20 per hour Cash furnished/deposited Coin $0.10 per roll Currency $0.75 per strap Cashier s Checks and Bank Drafts Customers One free per month, then $5 each Non-Customers $20 each Check cashing on-us (non-customers) $2 per item Check printing charges Fees vary as per vendor's schedule Checking, Savings and Money Market Accounts closed within six months $25 Collection items (clean) Outgoing/Incoming $25 Collection items (documentary) $25 plus costs Copies of checks, deposit tickets and deposited items $1 per copy Counter Checks $1.50 each Coupon collections Coupon $5 per item Returned $20 per item Courier Fee $20 Deposit corrections $6 each Deposited items returned $12 per item Dormant accounts $15 per month Gift Checks $2.50 per check Hold mail $25 per statement Interest charged on negative collected balances resulting from checks, or in-person withdrawals 14% per annum Loan payment returned checks $33 per check Night deposit bags $25 deposit per bag Notary fees (customers only) $5 Notice of levy or garnishment $100 plus costs Overdraft fees resulting from checks, in-person withdrawals or other electronic means, except ATM or POS transactions Paid Items $35 per item Returned Items $35 per item

Business Banking Service Charges (continued) Overdraft protection $10 per transfer Photocopies of prior statements $5 per page Request for research $30 per hour Returned mail $10 per statement Special statements $10 per statement Statement Reconcilement $35 per hour Stop payments $35 per item Transfers between accounts $5 per transfer Travelers Checks 2% Wire transfers Incoming $15 per transfer Outgoing Domestic $25 per transfer Outgoing International $50 per transfer Email Notification No charge Telephone notification $5 per transfer Tracers $15 per transfer Refer to the Treasury Management Schedule of Charges for information on additional services such as Online Banking with Bill Payment, ACH Origination, Lockbox Services, Positive Pay, Remote Deposit Capture, and Sweeps. Note: If an account becomes involved in legal proceedings, its use may be restricted and it may be subject to additional charges for expenses related thereto. Any account without a certified taxpayer identification number will be subject to all charges related thereto as specified by IRS regulations. 11

5. International Banking Service Charges Our International Banking Department is staffed with a team of experienced international banking professionals who are able to handle all of your foreign exchange, foreign collections, funds transfer, and Letters of Credit needs. We offer the speed, accuracy and flexibility of a small bank combined with the experience and service capabilities of a world-class bank. For more information about how we can help you transact all of your international banking needs, please contact your Branch Representative. Commercial Letters of Credit Issuance Advising $100.00 Issuing 1/4 of 1%* $100.00 minimum Full details telex/swift or email $50.00 Confirmation 1/4 of 1%* $100.00 minimum Amendments $50.00 (increasing or extending I/c) 1/4 of 1%* $100.00 minimum Amendment telex/swift advice $30.00 *Per 90 day period Negotiation Payment 1/4 of 1% $100.00 minimum Negotiation of other Bank's L/C s (plus collection fees - 2% over Prime after 10 days) 1% $100.00 minimum Acceptance/deferred payment 3% P.A.* $100.00 minimum Discount charge (at our prevailing rate) $100.00 minimum Discrepancy fee $75.00 Discrepancy notification telex $30.00 *In addition to the payment commission

International Banking Service Charges (continued) Sundry Letters of Credit Assignments/ Transfers 1/4 of 1% $250.00 minimum Letters of indemnity/ releases (Steamship or Air Cargo) $75.00 Cancellation of unutilized credits (will apply despite charges for beneficiary's account) $50.00 Reimbursements (where our Bank is the Reimbursing Agent) 1/4 of 1% $75.00 minimum Standby Letters of Credit By arrangement $250.00 minimum Foreign Collections (U.S. Dollars and Foreign Currency) Clean Collections Checks payable outside of the United States 1/8 of 1% $35.00 minimum* $50.00 maximum* Check returned for any reason $10.00* Immediate credit items $25.00** * Plus out of pocket expenses ** Subject to prior authorization and at our discretion. Subject to final payment with recourse to presenter. Interest may apply. 13

International Banking Service Charges (continued) Documentary collections Sight and time 1/4 of 1% $75.00 minimum* $150.00 maximum* Amendments (changes of original instructions, maturity extension, etc) $40.00 Tracers First tracer Free of charge Additional tracers $10.00 * Past due Unpaid collections note recalled within 90 days after sight or time $50.00 per quarter* Unpaid or unaccepted and returned documents (drawer's expense) $25.00 Protest if unpaid (drawer's expense) $25.00 *Plus correspondent bank charges and out of pocket expenses Foreign Exchange (Foreign currencies purchased and sold) Wire Transfer $50.00 Foreign Drafts 1/8 of 1% $15.00 minimum Cancellation or Stop Payment $25.00 Miscellaneous Charges Fax communications Domestic (per page) $5.00 International (per page) $10.00 Courier Domestic $20.00 International $30.00

6. Safe Deposit Box Some things you keep in a Safe Deposit Box are more precious than Jewels. A Sabadell United Bank Safe Deposit Box isn't just for expensive jewelry or important documents. Sometimes it's also just the right place to keep treasured heirlooms or possessions that are so special, so full of wonderful memories, that their loss to theft or fire would be unthinkable. We have a full range of Safe Deposit Boxes at prices that you can easily afford. Especially for your most priceless possessions. Box Size Annual Price 2" x 5" $ 35.00 3" x 5" $ 45.00 5" x 5" $ 60.00 2" x 10" $ 75.00 3" x 10" $ 90.00 5" x 10" $ 125.00 10" x 10" $ 200.00 20" x 15" $ 200.00 40" x 15" $ 400.00 Key deposit $ 20.00 Late payment $ 10.00 Drilling fee $ 150.00 15

Service Charges and Fees for Sabadell United Bank, N.A. and its wealth management division, Sabadell Bank & Trust Executive Offices 1111 Brickell Avenue 30th Floor Miami, Florida 33131-3129 www.sabadellbank.com Sabadell SM is a service mark of Banco de Sabadell, S.A. used by Sabadell United Bank, N.A. Sabadell Bank & Trust SM is a service mark of Banco de Sabadell, S.A. and a trade name of Sabadell United Bank, N.A., member FDIC. Deposits in Sabadell Bank & Trust and other divisions of Sabadell United Bank, N.A. are included within Sabadell United Bank, N.A. s FDIC insurance coverage. Sabadell United Bank, N.A. Member FDIC. Equal Housing Lender 2014 Sabadell United Bank, N.A., a subsidiary of Banco de Sabadell, S.A. All rights reserved. Form #2006 Rev (01/14)