Business Checking

Limitations:  You must deposit $100.00 to open this account.

Account Fees: A MONTHLY MAINTENANCE FEE OF $8.00 PLUS $.10 PER WITHDRAWAL AND DEPOSITED ITEMS LESS EARNING ALLOWANCE CREDIT FOR THE AVERAGE DAILY BALANCE BASED ON THE CURRENT REGULAR SAVINGS DEPOSIT RATE.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

CHECKING  ACCOUNT BUSINESS LLC

Limitations: you must deposit $100.00 to open this account

Account Fees: A MONTHLY MAINTENANCE FEE OF $8.00 PLUS $.10 PER WITHDRAWAL AND DEPOSITED ITEMS LESS EARNING ALLOWANCE CREDIT FOR THE AVERAGE DAILY BALANCE BASED ON THE CURRENT REGULAR SAVINGS DEPOSIT RATE.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

BUSINESS MONEY MARKET ACCOUNT

Rate Information:  This Account is an interest bearing account.  If the daily balance is less than $50,000.00, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.00%.  If the daily balance is more than $49,999.99 the interest rate paid on the entire balance in the account will be 2.00% with an annual percentage yield of 2.02%

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account MONTHLY.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:  We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate to the principal in the account each day.  You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:  You must deposit $2,500.00 to open this account.  You may make six (6) transfers from your account each four (4) weeks or a similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction,  Three (3) of these transfers may be made by check, draft, debit card or  similar order (including POS transaction), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees:  A monthly service charge of $15.00 will be imposed if the account balance falls below $5000.00 any day during the statement cycle plus $0.10 per deposited item of 30 per statement cycle plus $1.00 per withdrawal by check in excess of 6 per statement cycle.

MONEY MARKET ACCOUNT BUSINESS LLC

Rate Information:  This Account is an interest bearing account.  If the daily balance is less than $50,000.00, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.00%.  If the daily balance is more than $49,999.99 the interest rate paid on the entire balance in the account will be 2.00% with an annual percentage yield of 2.02%

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account MONTHLY.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:  We use the daily balance method to calculate the interest on on the account.  This method applies a daily periodic rate to the principal in the account each day.  You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:  You must deposit $2,500.00 to open this account.  You may make six (6) transfers from your account each four (4) weeks or a similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction,  Three (3) of these transfers may be made by check, draft, debit card or  similar order (including POS transaction), made by the depositor and payable to third parties.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees:  A monthly service charge of $15.00 will be imposed if the account balance falls below $5000.00 any day during the statement cycle plus $0.10 per deposited item of 30 per statement cycle plus $1.00 per withdrawal by check in excess of 6 per statement cycle.