SMALL BUSINESS SERVICES

Benefits Business Analysis Checking Accounts - offset service charges with earning credits based on average collected balances Cash Management Service - includes Sweep Accounts which allow customers to invest idle excess cash balances, earning interest on a monthly basis. All activity is reported on your monthly statement. Money Market Investment Accounts and Certificate of Deposit - for more conventional investment of excess cash balances. Financial Planning for Business and Business Owners Domestic and International Wire Transfers Authorized Treasury Tax and Loan Depository Merchant Credit Card Services Deposit Account Telephone Transfers - using MFB's Phonemate, transfer funds between checking and savings accounts with immediate credit following transaction. Night Depository Lines of Credit - Secured or unsecured to finance your daily operating needs. Use existing accounts receivable, inventory or equipment. Fixed Asset Financing - To purchase or construct commercial real estate, buy new machinery and equipment, including commercial vehicles. Domestic Letters of Credit - used to guarantee payment to a third party for purchase of goods and services. Real Estate Development - residential or commercial developments. Small Business Administration loans - for start-up or growing businesses that cannot obtain conventional financing. Capital Access Program Lending Basic Business Checking Monthly Account Activity 50 or fewer checks written 50 or fewer items deposited Features Month-end statement Simplified fees Monthly Service Fees Average Balance Monthly Fees $5,000 or more Zero $2,500 - 4,999 $5.00 Below $2,500 $10.00 $0.25 for each check over 50 paid during statement period $0.25 for each item deposited over 50 during statement period Business Analysis Account Monthly Account Activity Unlimited Features Month-end statement Analyzed fees based on services used and earnings allowance to offset charges Monthly Service Fees $7.50 monthly maintenance fee $0.13 per check paid during statement period $0.25 per deposit during statement $0.08 per item deposited See below for complete list of charges and description of earnings credit Earnings Credit Each month an earnings credit will be computed based on the account's average collected balance less required reserves (please ask your personal banker about the current earnings credit rate.) The earnings credit will be applied to offset the charges listed below: Regular Services Monthly account maintenance - $7.50 Checks paid - $0.13 Other debits - $0.25 Deposited items returned - $5.00 Deposits posted - $0.25 Items deposited - $0.08 ACH debits and credits - $0.15 Funds Transfers Domestic wire transfers - $15.00 International wires - $25.00 Telephone transfers - $2.00 Overdraft protection transfer - $3.00 Coin and Currency Services Coin per roll - $0.15 Purchase or deposit of currency (per strap) - $0.60 Coin deposit (per bag) - $5.00 Miscellaneous Services Duplicate statement copy - $5.00 Money orders - $2.00 All other fees such as non-sufficient funds (NSF) and check printing costs, are direct charges to your account.