Disclosure & Fee Schedule Commercial Deposit Accounts

1 Disclosure & Fee Schedule Commercial Deposit Accounts This Disclosure describes features of Fidelity Bank's Commercial Deposit Accounts , including service charges. For a complete Disclosure of all terms and conditions pertaining to Deposit Accounts please refer to the Fidelity Bank Deposit Account Agreement, which is provided to you when you open an account, and upon request at any time. Basic Business Checking Business Savings1. Fee Schedule Interest Minimum Deposit to $ Interest is compounded daily on the daily collected balance and Monthly service $ may change based on current rates paid on similar investments. First 175 items processed each statement period .. No charge Additional items processed each statement period .. $ Fee Schedule First $5,000 coin and currency deposits each Minimum Deposit to $ statement period .. No charge Monthly service $ Additional coin and currency deposits each First two withdrawals or transfers each statement period .. No charge statement period.

2 $ $1,000 deposited Additional withdrawals or transfers in excess of two ..$ For other services and fees which may apply to your account, see the section Waive service charge with one of the following qualifiers: titled Other Services and Fees . Maintain a minimum daily ledger balance of $300 per statement cycle; or Small Business Checking Maintain an average daily ledger balance of $2,500 per statement cycle Fee Schedule Minimum Deposit to $ Waive additional withdrawal or transfer charge with the Monthly service $ following qualifier: First 250 items processed each statement period .. No charge Maintain an average daily ledger balance of $2,500 per Additional items processed each statement period .. $ statement cycle First $15,000 coin and currency deposits each statement period .. No charge For other services and fees which may apply to your Additional coin and currency deposits each account, see the section titled Other Services and Fees . statement period .. $ $1,000 deposited Commercial Money Market Investment1.

3 Waive service charge with one of the following qualifiers: Maintain a minimum daily ledger balance of $3,000 per statement Interest cycle; or The annual percentage yield (APY) for this account is paid on the entire Maintain a combined average daily ledger balance of $10,000 in this collected balance for all tiers and is subject to change on a weekly basis. If account and related business Deposit Accounts per statement cycle2 the balance falls below $25,000, the rate paid will be computed at the Interest Checking Account rate in effect for the period during which the For other services and fees which may apply to your account, see the section collected balance is below $25,000. There are six interest rate tiers titled Other Services and Fees . which are based on daily collected balances and structured as follows: Premier Business Checking Tier 1 ..$0 $24,999. Fee Schedule Tier 2 .. $25,000 $49,999. Minimum Deposit to $ Tier 3 .. $50,000 $99,999. Monthly service $ Tier 4.

4 $100,000 $499,999. First 500 items processed each statement No charge Tier 5 ..$500,000 $999,999. Additional items processed each statement period .. $ Tier 6 .. $1,000,000+. First $15,000 coin and currency deposits each Fee Schedule statement period .. No charge Minimum Deposit to $25, Additional coin and currency deposits each Monthly service $ statement period .. $ $1,000 deposited Per check/other paper draft .. $ Waive service charge with one of the following qualifiers: Excess item charge (per item) .. $ Maintain a minimum daily ledger balance of $10,000 per statement Waive service charge with the following qualifier: cycle; or Maintain an average daily collected balance of $25,000. Maintain a combined average combined daily ledger balance of $50,000 in this account and other related business Deposit For other services and fees which may apply to your account, see Accounts per statement cycle2 the section titled Other Services and Fees . For other services and fees which may apply to your account, see the section titled Other Services and Fees.

5 8/20 Page 1 of 3. ANALYSIS Accounts Public Money Market Checking Analysis Accounts summarize your monthly balances and account activity. Accounts with a daily collected balance of $1,000 or greater earn The Bank gives credit for balances kept in the account to offset service interest that is computed at the Money Market rate in effect for the charges. Accounts included in the Bank's analysis program are: Analysis account. If the collected balance is less than $1,000 the rate paid will be Checking, Analysis Interest Checking, Analysis Money Market Savings, and computed at the Interest Checking account rate in effect for the period Public Money Market Checking. during which the collected balance is below $1,000. Interest is compounded daily on the daily collected balance of the account (less a Analysis Checking reserve amount, as mandated by the Federal Reserve) and may change based on current rates paid on similar investments. Fee Schedule Minimum Deposit to $ Fee Schedule Monthly service $ Minimum Deposit to $1, Checks/Debits (paper and electronic).

6 $ Monthly service $ deposits or other credits ..$ Checks/Debits (paper and electronic).. $ Per paper $ deposits or other credits ..$ Electronic deposits ..$ Per paper item .. $ Electronic deposits .. $ For other services and fees which may apply to your account, see the section titled Other Services and Fees . For other services and fees which may apply to your account, see the section titled Other Services and Fees . Analysis Interest Checking 1. Transaction Limitations there is no limit on the number of withdrawals Fee Schedule and deposits you may make at any Bank office or Fidelity Bank ATM. Minimum Deposit to $ There is an excessive activity fee for more than six pre-authorized or Monthly service $ telephone (including computer) transfers each monthly statement period Checks/Debits (paper and electronic).. $ to another of your own Accounts or to third parties. deposits or other credits ..$ Per paper $ 2. Related business Deposit Accounts include linked non-analysis business Electronic deposits .

7 $ Accounts including savings, money market and CDs that have the same tax identification number. For other services and fees which may apply to your account, see the section titled Other Services and Fees . OTHER SERVICES AND FEES FOR Commercial Deposit . Accounts . Analysis Money Market Savings 1. ATM Non-Fidelity Bank Use .. $ Interest (ATM owners may impose additional fees). Commercial Tiered Money Market Savings Accounts with a daily collected balance of $1,000 or greater earn interest that is computed at the Money Bulk coin Deposit (per bag) .. $ Market rate in effect for the account. If the collected balance is less than Bulk coin return (per bag) .. $ $1,000 the rate paid will be computed at the Interest Checking account rate in effect for the period during which the collected balance is below Cashier's checks ..$ $1,000. Interest is compounded daily on the daily collected balance of the Charge off Deposit collection fee .. $ account (less a reserve amount, as mandated by the Federal Reserve).

8 And may change based on current rates paid on similar investments. Coin/currency Deposit (per $1,000).. $ There are six interest rate tiers, based on daily collected balances and Coin supplied (per roll) .. $ structured as follows: Currency supplied (per $1,000).. $ Tier $0 $999 Collection items (plus actual expenses paid to others).. $ Tier 2 ..$1,000 $9,999. Tier 3 .. $10,000 $24,999 Counter checks (per check) .. $ Tier 4 ..$25,000 $49,999 Deposit adjustment fee ..$ Tier 5 .. $50,000 $99,999. Tier 6 ..$100,000+ Deposit verification .. $ Dormant account $ Fee Schedule Minimum Deposit to $1, Early closing fee (if within 6 months) .. $ Monthly service $ Fax fees Checks/Debits (paper and electronic).. $ Local calling area (first page) .. $ deposits or other credits ..$ Long distance within state (first page) ..$ Per paper $ Out of state (continental US first page)..$ Electronic deposits ..$ Each additional page .. $ For other services and fees which may apply to your account, see the Insufficient funds or overdraft $ section titled Other Services and Fees.

9 Interim statement fee ..$ Page 2 of 3. Legal processing $ Special statements (per copy)..$ Mobile Banking No Charge 4, Stop payments (including automatic debits). Per request or renewal .. $ Money orders ..$ Via Business Online Banking .. $ Night Deposit service Telephone transfer (via bank associate) ..$ Monthly charge - Open bag .. $ Vinyl zipper bags (1st bag free) .. $ - Hold bag .. $ Visa Debit Card daily transaction limits Cloth bag rental (one time).. $ $1, Disposable bags (per bag) ..$ PIN transactions .. $2, Lost key $ NON-PIN $2,500, $5,000, or $7,500. Notary fee (non Fidelity documents) .. $ - Basic Business Checking .. $2, - Small Business Checking .. $5, Online Banking (Small Business Online Banking). - Premier / Analysis Business Checking .. $7, Monthly service .. No charge Bill Pay No charge Visa Debit Card foreign transaction fee .. Online Banking (Business Advantage) Visa Debit Card replacement fee ..$ Monthly fees Wire transfer - Non-bundled pricing: Domestic incoming.

10 $ > Business $ Domestic outgoing (online) .. $ > Wire module (optional) .. $ Domestic outgoing (in branch) ..$ > ACH module (optional) .. $ International incoming .. $ - Bundled Pricing (includes Business Advantage)6. International outgoing .. $ > Wire $ > ACH module option 1 (25 ACH items) .. $ 3. An account becomes dormant if there is no customer initiated activity for > ACH module option 2 (100 ACH items).. $ one year on checking Accounts . Does not apply to savings Accounts . > ACH module option 3 (300 ACH items) .. $ Transaction fees 4. Data and text message charges may apply. Contact your carrier for more - Per ACH item over 25 (ACH bundle option 1) .. $ information. - Per ACH item over 100 (ACH bundle option 2) ..$ - Per ACH item over 300 (ACH bundle option 3) .. $ 5. Additional fees may apply to expedited bill payments; details online. - Per ACH item (non-bundled pricing) ..$ - Wire transfer (domestic outgoing) .. $ 6. Customer can only be set up with one bundled pricing option.