Business Fee & Disclosure

Basic Business Checking

Fee Schedule
Minimum deposit to open: $200.00
Monthly service charge: $0.00
First 175 items processed each statement period: No charge
Additional items processed each statement period: $0.35
First $5,000 coin and currency deposits each
statement period : No charge
Additional coin and currency deposits each statement period: $1.25/$1,000 deposited

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Small Business Checking

Fee Schedule
Minimum deposit to open: $200.00
Monthly service charge: $15.00
First 250 items processed each statement period: No charge
Additional items processed each statement period: $0.35
First $15,000 coin and currency deposits each statement period: No charge
Additional coin and currency deposits each statement period: $1.25/$1,000 deposited

Waive service charge with one of the following qualifiers:

• Maintain a minimum daily ledger balance of $3,000 per statement cycle; or
• Maintain a combined average daily ledger balance of $10,000 in this account and related business deposit accounts per statementcycle²

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Premier Business Checking

Fee Schedule
Minimum deposit to open: $200.00
Monthly service charge: $25.00
First 500 items processed each statement period: No charge
Additional items processed each statement period: $0.35
First $15,000 coin and currency deposits each statement period: No charge
Additional coin and currency deposits each statement period: $1.25/$1,000 deposited

Waive service charge with one of the following qualifiers:

• Maintain a minimum daily ledger balance of $10,000 per statement cycle; or
• Maintain a combined average combined daily ledger balance of $50,000 in this account and other related business deposit accounts per statement cycle²

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Business Savings¹

Interest
Interest is compounded daily on the daily collected balance and may change based on current rates paid on similar investments.

Fee Schedule
Minimum deposit to open: $200.00
Monthly service charge: $4.00
First two withdrawals or transfers each statement period: No charge
Additional withdrawals or transfers in excess of two: $2.00

Waive service charge with one of the following qualifiers:

• Maintain a minimum daily ledger balance of $300 per statement cycle; or
• Maintain an average daily ledger balance of $2,500 per statement cycle

Waive additional withdrawal or transfer charge with the following qualifier:

• Maintain an average daily ledger balance of $2,500 per statement cycle

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Commercial Money Market Investment¹

Interest
The annual percentage yield (APY) for this account is paid on the entire collected balance for all tiers and is subject to change on a weekly basis. There are six interest rate tiers which are based on daily collected balances and structured as follows:

Tier 1: $0–$24,999
Tier 2: $25,000–$49,999
Tier 3: $50,000–$99,999
Tier 4: $100,000–$499,999
Tier 5: $500,000–$999,999
Tier 6: $1,000,000+

Fee Schedule
Minimum deposit to open: $25,000.00
Monthly service charge: $15.00
Per check/other paper draft: $0.40
Excess item charge (per item): $12.001

Waive service charge with the following qualifier:

• Maintain an average daily collected balance of $25,000.

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

ANALYSIS ACCOUNTS

Analysis accounts summarize your monthly balances and account activity. The Bank gives credit for balances kept in the account to offset service charges. Accounts included in the Bank’s analysis program are: Analysis Checking, Analysis Interest Checking, Analysis Money Market Savings, and Public Money Market Checking.

Analysis Checking

Fee Schedule
Minimum deposit to open: $200.00
Monthly service charge: $17.00
Checks/Debits (paper and electronic): $0.20
Deposits or other credits: $0.50

• Per paper item: $0.10

Electronic deposits: $0.14

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Analysis Interest Checking

Fee Schedule
Minimum deposit to open: $200.00
Monthly service charge: $17.00
Checks/Debits (paper and electronic): $0.20
Deposits or other credits: $0.50

• Per paper item: $0.10

Electronic deposits: $0.14

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Analysis Money Market Savings¹

Interest

Commercial Tiered Money Market Savings accounts with a daily collected balance of $1,000 or greater earn interest that is computed at the Money Market rate in effect for the account. There are six interest rate tiers, based on daily collected balances and structured as follows:

Tier 1: $0–$999
Tier 2: $1,000–$9,999
Tier 3: $10,000–$24,999
Tier 4: $25,000–$49,999
Tier 5: $50,000–$99,999
Tier 6: $100,000+

Fee Schedule
Minimum deposit to open: $1,000.00
Monthly service charge:$0.00
Checks/Debits (paper and electronic): $0.20
Deposits or other credits: $0.50

• Per paper item: $0.10

Electronic deposits: $0.14

For other services and fees which may apply to your account, see the section titled “Other Services and Fees”.

Public Money Market Checking

Fee Schedule
Minimum deposit to open: $1,000.00
Monthly service charge: $12.00
Checks/Debits (paper and electronic): $0.20
Deposits or other credits: $0.50

• Per paper item: $0.10

Electronic deposits: $0.14

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

ATM – Non-Fidelity Bank Use: $3.00
(ATM owners may impose additional fees)
Bulk coin deposit (per bag): $10.00
Bulk coin return (per bag): $10.00
Cashier’s checks: $5.00
Charge off deposit collection fee: $25.00
Coin/currency deposit (per $1,000): $1.25
Coin supplied (per roll): $0.08
Currency supplied (per $1,000): $1.25
Collection items (plus actual expenses paid to others): $75.00
Counter checks (per check): $1.00
Deposit adjustment fee: $4.00
Deposit verification: $10.00
Dormant account fee³: $5.00
Early closing fee (if within 6 months): $25.00
Fax fees

• Local calling area (first page): $1.00
• Long distance within state (first page): $3.00
• Out of state (continental US– first page): $5.00
• Each additional page: $1.00

Insufficient funds or overdraft fee: $35.00
Interim statement fee: $5.00
Legal processing fee: $100.00
Mobile Banking^4,5: No Charge
Money orders: $5.00
Night deposit service

• Monthly charge
  • Open bag: $6.00
  • Hold bag: $10.00
• Cloth bag rental (one time): $15.00
• Disposable bags (per bag): $0.50
• Lost key charge: $30.00

Notary fee (non Fidelity documents): $3.00
Online Banking (Small Business Online Banking)

• Monthly service: No charge
• Bill Pay service⁵: No charge

Online Banking (Business Advantage)

• Monthly fees
  • Non-bundled pricing:
    • Business Advantage: $15.00
    • Wire module (optional): $10.00
    • ACH module (optional): $10.00
  • Bundled Pricing (includes Business Advantage)⁶
  • Wire module: $15.00
  • ACH module option 1 (25ACH items): $25.00
  • ACH module option 2 (100ACH items): $45.00
  • ACH module option 3 (300ACH items): $75.00
• Transaction fees
  • Per ACH item over 25 (ACH bundle option 1): $1.00
  • Per ACH item over 100 (ACH bundle option 2): $0.40
  • Per ACH item over 300 (ACH bundle option 3): $0.10
  • Per ACH item (non-bundled pricing): $0.40
  • Wire transfer (domestic outgoing): $15.00
  • Wire transfer (international outgoing): $45.00
  • Stop payments (each): $25.00
• Bill Pay service⁵: No charge

Overdraft automated transfer from checking account⁷: $10.00
Overdraft automated transfer from savings account⁷: $10.00
Overdraft automated transfer from Checking Reserve/Plus⁷: $10.00
Photocopies: $1.00
Research fees (per hour): $30.00

• Copy fee per statement: $5.00
• Copy fee for checks, deposit slips and other documents per item or page: $3.00
• Other expenses of compliance: Actual cost

Returned deposited items

• Returned items: $10.00
• Pick up at branch: $15.00
• Other special instructions: $15.00
• Re-deposited items: $4.00

Safe deposit boxes

• Annual fees
  • 2 X 5: $30.00
  • 3 X 5: $30.00
  • 5 X 5: $45.00
  • 3 X 10: $55.00
  • 5 X 10: $75.00
  • 10 X 10: $110.00
• Lost key charge: $30.00
• Drilling fee: minimum $150.00

Special statements (per copy): $5.00
Stop payments (including automatic debits)

• Per request or renewal: $30.00
• Via Business Online Banking: $25.00

Telephone transfer (via bank associate): $3.00
Vinyl zipper bags (1st bag free): $2.50
Visa^® Debit Card daily transaction limits

• ATM: $1,000.00
• PIN transactions: $2,000.00
• NON-PIN transactions⁸: $2,500, $5,000, or $7,500
  • Basic Business Checking: $2,500.00
  • Small Business Checking: $5,000.00
  • Premier / Analysis Business Checking: $7,500.00

Visa Debit Card foreign transaction fee: 1.0%
Visa Debit Card replacement fee: $3.00
Wire transfer

• Domestic incoming: $15.00
• Domestic outgoing (online): $15.00
• Domestic outgoing (in branch): $20.00
• International incoming: $15.00
• International outgoing: $45.00