DEPOSIT PRODUCTS*

Analyzed Checking
Minimum Balance Requirement:
An opening deposit of $1,000 is required with earnings credit used to offset the cost of services.

Basic Checking (for accounts with limited activity)
Minimum Balance Requirement:
An opening deposit of $1,000 is required. An average collected balance of $2,000 is required to avoid a monthly service charge.

Interest Checking (for sole proprietors and non-profit organizations)
Minimum Balance Requirement:
An opening deposit of $1,000 is required. An average collected balance of $5,000 is required to avoid a monthly service charge.

IOLTA Interest Checking (for law firms)
Minimum Balance Requirement:
An opening deposit of $1,000 is required.

Business Money Market
Minimum Balance Requirement:
An opening deposit of $1,000 is required. An average collected balance of $5,000 is required to avoid a monthly service charge.

Compounding and Crediting:
Interest will accrue daily and will be compounded and credited to your account monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

Transaction Limitations:
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each month or statement cycle of at least four weeks. No more than three (3) of these six (6) transfers may be made by a check (if applicable), debit card, bill payment debit, other pre-authorized debit, or similar order made payable to a third party. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For additional information, please review Federal Reserve Regulation D Transaction Limitations.

LOAN PRODUCTS**

Revolving Lines of Credit for permanent and seasonal increases in accounts receivable and inventory.

Term Loans for business equipment and other capital assets.

Construction Loans for commercial, office, multi-family residential, and industrial properties.

Term Commercial Mortgage Loans for the refinance or acquisition of owner occupied and/or owner managed properties.

SBA Loans to small and growing businesses that have needs ranging from day-to-day working capital to the construction and/or permanent financing of commercial buildings for their operations.

Loans and Lines of Credit to professional corporations for business expansion, working capital, and real estate needs.

Equipment Leases for business equipment and other capital assets.

SERVICES

• Business Courier Service
• Business ATM / Debit Card**
• ACH Capabilities
• Cash Management
• Online Banking
• Credit Cards**
• Telephone Banking
• Merchant Bancard Services**