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i-BusinessBanking™ Service Agreement

All times noted throughout this document are Central Time (CT).

Basic Services

i-BusinessBanking™ Administrator to define and control User Access

• Account Balance Reporting
• Account Transaction Reporting
• Loan and Line of Credit Balance Reporting
• Loan and Line of Credit Transaction Reporting
• Book Transfers (1:Many or Many:1)
• Express Transfer (1:1)
• Stop Payments
• Bill Payment

Optional Services

• Loan and Line of Credit Payments
• Line of Credit Advances (must be approved by Loan Officer)
• Repetitive and Free Form Wire Transfers
• Electronic Federal Tax Payments via ACH
• ACH Payment
• ACH Collection
• File Upload (NACHA-formatted and Checks Issued files from 3rd party software)

System Hours of Operation

System hours of operation are generally 24 hours a day, seven days a week. However, access may be restricted on Sundays between 12:00 am and 12:00 pm so that routine system maintenance may be performed.

Customer Service

Telephone support is available at 1-866-873-9572 Monday through Friday from 7:00 am - 7:00 pm or contact Customer Service through electronic mail. Electronic mail is generally responded to within one business day of receipt.

Business Days

Business days are Monday through Friday except for federal holidays. Federal holidays are generally those ten holidays observed by the Federal Reserve Bank of Chicago. All transactions, instructions and entries initiated on Saturday, Sunday or any federal holiday will be processed by Bank on the next business day. Please note daily cutoff times for certain transactions listed in the section titled "Same Business Day Cutoff Times". Transactions, files, instructions, etc. received after the cutoff time will be processed on the next business day.

Real Time

Certain transactions are processed in real time on the host system except when the host system is unavailable. The host system will be unavailable while account updates are performed. Account updates occur Monday through Friday beginning at approximately 9:00 pm. The account update cycle could begin earlier or later depending on volume. The host system can also be unavailable for other reasons unrelated to the account update cycle. Whenever the host system is unavailable, Customer will receive a message telling you that the transaction cannot be processed at this time and to try again later.

Same Business Day Cutoff Times

Service Type	Cutoff Time for Same Business Day
Repetitive Wire Transfers	1:00 pm
ACH	5:00 pm
Stop Payments	Real Time - see above
Book Transfers	Real Time - see above
Express Transfers	Real Time - see above
Loan Payments	Real Time - see above
Add Bill Payment	9:00 pm
Cancel Future Dated Bill Payment	2:00 pm

Book or Express Transfers

Transfers of funds may be completed among any linked business checking, savings and money market accounts set up on i-BusinessBanking™ (i-BB). Each transfer made from an account may count toward account limitations (e.g. money market accounts). A detailed explanation of the limitations on transfers, withdrawals and payments from such accounts can be obtained from the Account Disclosure that was provided at the time the account was opened or by contacting Customer's Commercial Banking Representative.

ACH and Wire Transfer Limits

Bank may, at its discretion, establish a maximum daily funds transfer limit for ACH and Wire Transfers for each i-BusinessBanking™ customer. If a maximum daily funds transfer limit is established, Bank will notify Customer of such limit.

Provisions Relating to Book/Express Transfers, ACH , Electronic Federal Tax Payments & Wire Transfers**

The following provisions shall be applicable to electronic funds transfers:

• Customer agrees that funds transfer requests shall not be initiated that would cause the applicable account balance to be exceeded.
• Customer agrees that Bank may act upon any funds transfer request that is made as described above, whether or not the person initiating the request has the authority to do so.
• Bank will act upon a funds transfer request after receipt by making applicable accounting entries or by transmitting payment instructions to the applicable bank or other third party if such request is received prior to Bank's cutoff deadline and the day of receipt is a business day. Any funds transfer request received by Bank after the cutoff deadline may be treated as received by Bank on its next business day.
• Bank may reject any funds transfer request that either in whole or in part exceeds the collected and available funds on deposit with Bank in the applicable account. Bank may, at its discretion, create an overdraft to complete a funds transfer, and Customer agrees to repay Bank immediately, the amount of the overdraft, whether or not demand is made. Bank is not obligated, however, to create any additional overdrafts or to give any notice that additional overdrafts will not be created, regardless of how many overdrafts may have been previously created.
• Bank may reject a funds transfer request that does not conform in form and substance with the requirements.
• Customer shall have no right to cancel or amend a funds transfer request after its receipt by Bank. If, however, Bank receives a request to cancel or amend a funds transfer, the Bank at its option, may make a reasonable effort to attempt to cancel or amend the transaction if the Bank has not yet acted upon the funds transfer request.
• Customer acknowledges and agrees that a beneficiary's bank (including this Bank when it is the beneficiary's bank) may rely solely on the beneficiary account number in a funds transfer request or such number in a payment order intended to carry out a funds transfer request even if the number identifies a person different from the person identified by name in the funds transfer request or payment order, and Customer agrees that a beneficiary's bank (including this Bank when it is acting as a beneficiary's bank) has no duty to detect any inconsistency in identification.
• Customer acknowledges and agrees that this Bank and any intermediary bank may rely solely on the number that identifies an intermediary bank or beneficiary bank in a funds transfer request or in a payment order intended to carry out a funds transfer request even if such number identifies a bank different from the intermediary bank or beneficiary bank identified by name in the funds transfer or payment order, and Customer agrees that neither this Bank nor any intermediary bank shall have any duty to identify any inconsistency in identification.
• Bank shall not be liable for any damages to the extent otherwise provided in this agreement. In no event will Bank be liable for any special, indirect, exemplary or consequential damages, including but not limited to lost profits. Bank shall not be responsible for the acts or omissions of any funds transfer system, any Federal Reserve Bank, any intermediary or beneficiary's bank, or any recipient of a payment or a payment order intended to carry out a funds transfer request and no such person or entity shall be deemed to be Bank's agent.

** The Bank may require the completion of additional forms, such as a Corporate ACH Agreement and /or Wire Transfer Agreement prior to use of these services. Customer must be enrolled in the IRS EFTPS Program in order to use the Electronic Federal Tax Payments module. Enrollment can be performed online at www.eftps.gov.

ACH File Transmission (File Upload)

The option of using 3rd party software to create NACHA formatted files does exist with i-BusinessBanking™. Customer shall transmit a "batch file" to Bank via i-BusinessBanking™ consisting of debits and/or credits from it and/or its customer's accounts. It is Customer's responsibility for ensuring that all data is in balance. Customer acknowledges that Bank may directly review the file and if Bank, in its sole judgment, determines that any file does not conform to the specified National Automated Clearing House Association (NACHA) Standards Bank may reject the file. In the event that Bank finds it necessary to reject a file, Customer agrees to hold harmless and indemnify Bank against any and all claims Customer or any other person may have against Bank arising out of Bank's actions. Such indemnity shall included but not be limited to court costs, reasonable attorney's fees, judgments, and costs, fees and damages of any kind. Customer agrees that it will not transmit a file of credits with an offsetting debit to the Corporate Account wherein the transmission involves transactions that collectively total more than the collected balance of the Corporate Account at the time of the request. Customer agrees to be in compliance with the NACHA rules. Bank will provide a copy of these rules and/or amendments thereto upon request by Customer.

Bill Payment

Processing Payments

Customer may make one-time and recurring payments from their linked checking to companies or individuals (payees) selected using Bill Payment Service. Bank will provide Customer with a confirmation that the payment has been scheduled. Additionally, Customer may verify that any payment has been processed, by signing onto i-BB Service on the business day following the transfer or payment. This does not, however, provide assurance that the payee has properly credited Customer's account.

Payments are processed through Bill Payment Service via electronic transmission or by bank check. Payees designate whether they will accept electronic payments or only payments via check.

It is strongly recommended that Customer schedule payments at least two to seven business days in advance of the payment due date depending on the type of payment processing. Payments made electronically are generally received and credited by the payee within four business days. Payments made with a bank check take longer to be received by the Payee so Customer should allow ample time for all payments to be made; these payments are generally received and credited by the Payee within five business days. Bank will provide payment confirmation upon proper completion of the bill payment request entered through i-BB. The Bank is not responsible for postal delays or processing delays by the Payee. In all cases, the amount of the payment shall be deducted from Customer's account on the date the payment is scheduled to be processed.

Limitations and Dollar Amounts for Bill Payments

Bill payments can be for any amount between $0.01 and $9,999.99. When scheduling a payment, Customer authorizes Bank to withdraw the necessary funds from its deposit accounts. Customer also agrees that the Bank may initiate a withdrawal only when there is a sufficient balance or there will be an available balance in the account at the time of withdrawal. If there is an insufficient balance, the Bank may either complete the payment - creating an overdraft - or refuse to complete the payment. In either case, Bank reserves the right to impose a non-sufficient funds (NSF) fee.

Canceling Payments

In order to cancel future dated payments, Customer must sign into i-BB and follow the prompts provided. Cancellation of a payment transaction may be initiated up to the date it has been scheduled for processing. Bank must receive these instructions to cancel before 2:00 pm on the date the transaction was scheduled to be processed.

Reporting Unauthorized Bill Payment Transactions

Call 1-866-873-9572 to report an unauthorized Bill Payment Transaction. Customer Service is available Monday-Friday, 7:00 am - 7:00 pm. or contact Customer Service through electronic mail. Bank generally responds to electronic mail within one business day of receipt. Customer may also contact Customer's Commercial Banking Representative.

Initiating Payment Inquiries

To initiate a payment inquiry, Customer may use i-BusinessBanking to send the request via email. Or call 1-866-873-9572. At least five business days should be allowed for the payment to be received and processed by the payee before making a payment inquiry.

Bank Liability for Failure to Complete Transactions

In addition to other limitations of Bank's liability under this agreement, if Bank does not complete an i-BB Bill Payment transaction from Customer's account on time or in the correct amount according to this agreement, Bank will not be liable, for instance:

• If, through no fault of Bank, Customer does not have enough available funds in Customer's account (or available credit under Customer's overdraft protection plan) to cover the transaction or transfer.
• If I-BusinessBanking Services was not working properly, and Customer knew about the malfunction when Customer started the transaction or transfer.
• If circumstances beyond control of Bank (such as fire or flood) prevent the transaction or transfer, despite reasonable precautions taken by Bank.
• If there are postal delays or processing delays by the Payee.

In Case of Errors or Questions about Electronic Transactions

Telephone or write Bank at the address or phone number listed in the Bank's Account Agreement and Disclosure Statement, or send an email via i-BB, AT ONCE, if Customer thinks Customer's i-BB Administrator Login ID and/or password has been discovered by an unauthorized person, or someone has transferred or may transfer money from an account without Customer's permission, or Customer's statement is wrong or Customer needs more information.

Bank must hear from Customer no later than 60 days after Bank has sent the FIRST statement on which the problem or error appeared. If Customer notifies Bank verbally, Bank may require that Customer sends the complaint or question in writing or via email within 10 business days. When Customer contacts Bank, the following information will be required: Customer name and Bank Deposit Account number, date and dollar amount of transaction in question, name of payee if transaction in question is a payment, transaction number assigned by i-BB Services if available, and a description of the transaction. Customer needs to explain as clearly as possible why Customer believes there is an error or more information is needed.

Bank will determine whether an error occurred within 10 business days after Bank hears from Customer and will correct any error promptly. Bank may take up to 45 days to investigate Customer's complaint or question. If Bank requires more than 10 business days to investigate the complaint or question, Bank will credit Customer's account for the amount reported as an error, so that Customer will have the use of the money during the time it takes to complete the investigation. If Bank asks Customer to put the complaint or question in writing, and does not receive such letter in 10 business days, Bank reserves the right to not credit Customer's account. Bank will advise Customer of the results within 3 business days after completing the investigation. Customer may request copies of the documents that were used in the investigation.

Privacy

Bank recognizes that its customers and others visiting Bank on-line sites have an expectation of privacy in their dealings with Bank. For these reasons, Bank takes security and privacy of customer information very seriously. Please see Bank's Privacy Policies, which can be found on the Bank's website, for more specific terms and conditions.

Confidentiality

Customer and the Bank agree that all information in connection with any service including, but not limited to user documentation and security procedures will be maintained as confidential and will not be used or divulged to any other person or entity except when: (i) Bank determines it necessary or appropriate to enable Bank to provide the service(s) which Customer request and/or (ii) as either party determines it is required by federal or state law or regulation, and/or (iii) Bank determines it appropriate to give such information to its affiliates, subsidiaries and service providers to enable Bank to provide or offer information and service to Customer that Bank believes are or may be of interest to Customer.

Miscellaneous

Customer shall use the i-BB Service only for arm's length transactions in accordance with applicable law.

OFAC: Customer agrees that it will perform its obligations in accordance with all applicable laws and regulations, including the sanctions laws administered by the Office of Foreign Assets and Control.

Customer's i-BusinessBanking™ Application, the i-BusinessBanking™ Fee Schedule (as amended from time to time) are hereby incorporated by reference and made a part of this agreement. This agreement is the entire and only understanding of the parties with respect to the subject matter hereof; and the terms and conditions of any other service agreement between Customer and Bank, including but not limited to a Corporate ACH Agreement and /or Wire Transfer Agreement, are modified hereby to be consistent with this agreement. This agreement shall be governed by and construed in accordance with the laws of the State of Illinois.

Bank and Customer are independent contractors and nothing in this agreement shall be deemed to create an employment, joint venture, partnership or agency relationship between the parties.

Termination

Customer may terminate this agreement, in its entirety or with respect to one or more of the i-BB Services provided hereunder, at any time upon delivery to Bank of notice of Customer's intention to terminate, via i-BusinessBanking™ email or by contacting Customer's Commercial Banking Representative.

Bank may terminate this agreement, in its entirety or with respect to one or more of the i-BB Services provided hereunder, at any time upon ten (10) days' prior written notice to Customer. Bank may terminate the service immediately without further formality or judicial interference being required upon the occurrence of (i) a material adverse change in the financial or other condition of Customer as Bank may determine in its sole discretion or (ii) Customer's failure to substantially perform or comply with its material obligations under this agreement.

Notwithstanding any termination, the parties' obligations, representations and indemnities with respect to any i-BusinessBanking™ service effected on or before the effective date of such termination will survive such termination.

Changes to Agreement and the I-BusinessBanking Services

Bank may change this agreement at any time upon 30 days' notice. For example, Bank may add, delete or amend terms or services. Bank will notify Customer of such changes by mail or by electronic message. If Customer maintains its i-BB Service after the effective date of a change, Customer indicates agreement with the change.

Service Fees and Billing

Upon enrollment, the applicable one-time set up fee will be deducted from the primary checking account designated on Customer's i-BB application. Monthly maintenance charges and per item fees will begin in the month following enrollment for the service. Maintenance charges will not be refunded for any month where there is no activity. i-BB charges will be deducted from the primary checking account designated on Customer's application or if requested, billed to Customer's analyzed checking account. Please see i-BB Fee Schedule for fee details.

Bank may change its fees, charges or assessments upon 30 days' notice to you. If Customer maintains its i-BB Service after the effective date of a change, Customer indicates agreement with the change.

Responsibility and Indemnity

Bank shall be responsible in accordance with this agreement for acting on Customer's instructions but, to the extent not inconsistent with applicable law, shall be liable only for its failure to act with good faith or to exercise reasonable care. Bank shall not be liable for the accuracy of any instructions provided by Customer or for delay or failure of performance by a third party. EXCEPT AS OTHERWISE REQUIRED BY LAW, BANK SHALL HAVE NO LIABILITY TO CUSTOMER FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION ATTORNEYS FEES OR LOSS OF PROFIT), EVEN IF ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES.

In addition to any other indemnity obligation in this agreement, Customer will indemnify Bank against and hold it harmless from any loss, liability or expense (including reasonable attorneys' fees) arising from (i) any action taken by Bank in good faith in compliance with or pursuant to Customer's request to stop or cancel a payment, and (ii) any claim directly or indirectly arising out of any agreement, undertaking or arrangement between Customer and any actual or prospective payee, beneficiary or recipient of a payment.

Neither Customer or Bank shall be liable for any failure to perform any of its obligations under this agreement if the performance is prevented, hindered or delayed by a force majeure event and in such case its obligation shall be suspended for so long as the force majeure event continues. For purposes of this agreement "force majeure event" means any event due to any cause beyond the reasonable control of Customer or Bank, respectively, and includes, without limitation, any event due to any natural, technological, political or similar cause.

Customer acknowledges that Bank has no direct knowledge of the identity of Customer's clients and their agreements and instructions to Customer. Bank assumes no responsibility for verifying that Customer has followed the terms of the instructions given to Customer by its clients and expressly disclaims any and all liability for proper payment of client debit items, proper deductions from Customer's client accounts, and proper crediting of appropriate credit to the client accounts, all of these matters being within the exclusive control of Customer. Customer agrees to hold harmless and indemnify Bank against any and all claims brought against Bank by any party and such indemnity will extend but not be limited to court costs, reasonable attorney's fees, judgments, and costs, fees and damages of any kind.

Other Limitations of Bank's Liability

Customer must notify Bank at once if Customer believes the i-BB Services Administrator Login has been compromised or if someone has transferred or may transfer money from Customer's account without Customer's permission. The best way to minimize potential loss is to call Bank immediately. The unauthorized use of Customer's i-BB Services could cause Customer to lose all funds in Customer's accounts, plus any amount available under Customer's overdraft protection.

Also, if Customer's statement shows transactions not performed or authorized by Customer, notify Bank immediately. If Customer does not notify Bank within 60 days after the statement is mailed, Customer may not recover the funds lost if Bank can prove that the loss could have been prevented if Customer had notified Bank in time.

When Customer's i-BB Administrator Login is given to someone, or Customer issues a User Login, Customer is authorizing that person to use Customer's service, and Customer are responsible for all transactions the person performs using Customer's service. All transactions that person performs, even those transactions Customer did not intend or want performed, are authorized transactions.

If Customer has issued a User Login and the person is no longer authorized, Customer has two options: 1) Customer must login using the Administrator Login and delete the user or 2) Customer must login using the Administrator Login and lock the user out. Until one of these two procedures is performed by the Company, any transactions performed by that person are authorized transactions.

If Customer determines that the person is no longer authorized to use the Administrator Login, Customer must request a new Administrator Password by telephone. Bank will act on Customer's request for a new Administrator Password as soon as practical and will implement procedures in accordance with its security requirements. Any transactions that person performs prior to the Administrator Password being changed are authorized transactions.

Transactions that Customer or someone acting on Customer's behalf initiates with fraudulent intent are also authorized transactions. To be protected, Customer must sign off after every I-BB session and close the browser to ensure confidentiality.

If Bank fails or delays in making payment pursuant to Customer's instructions, or if Bank makes a payment in an erroneous amount which is less than the amount per Customer's instructions, unless otherwise required by law, Bank's liability shall be limited to interest on the amount which Bank failed to timely pay, calculated from the date on which the payment was to be made until the date it was actually made or Customer canceled the instructions. Bank may pay such interest either to Customer or the intended recipient of the payment, but in no event will Bank be liable to both parties, and Bank's payment to either party will fully discharge any obligation to the other. If Bank makes a payment in an erroneous amount which exceeds the amount per Customer's instructions, or if Bank permits an unauthorized payment after Bank has had a reasonable time to act on a notice from Customer of possible unauthorized use as described above, unless otherwise required by law, Banks liability will be limited to a refund of the amount erroneously paid, plus interest thereon from the date of the payment to the date of the refund, but in no event to exceed 60 days' interest. If Bank becomes liable to Customer for interest compensation under this agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each day interest is due, computed on the basis of a 360-day year.

Protecting Login Information

Customer agrees that Bank may send notices and other communications including the Company ID, Administrator User ID and Administrator Temporary Password to the current address shown on the Bank's records, whether or not this address includes a designation for delivery to the attention of any particular individual. Customer further agrees that Bank will not be responsible or liable to Customer in any way if information is intercepted by an unauthorized person, either in transit or at Customer's place of business. Customer agrees to: 1) keep Customer's Administrator Login secure and strictly confidential, providing it only to authorized signers on Customer's account(s); 2) instruct each person to whom the Administrator Login is given that he or she is not to disclose it to any unauthorized person; 3) immediately notify Bank by telephone and request a new Administrator Password be issued if there is belief the Customer's Administrative Login may have become known to an unauthorized person; and 4) Bank will act on Customer's notice for a new Administrator Password as soon as practical and will implement procedures in accordance with its security requirements.

The Administrator Login will allow the company to establish additional users on the system as needed by the company. Customer agrees to: 1) instruct each person to whom a User Login is provided that he or she is not to disclose it to any unauthorized person; and 2) instruct each person to whom a User Login is provided that he or she is to immediately notify the Company if they believe their User Login may have become known to an unauthorized person; 3) Company will act on the Users notification as soon as is practical and will implement procedures in accordance with the company security requirement.

BANK WILL HAVE NO LIABILITY TO CUSTOMER FOR ANY UNAUTHORIZED PAYMENT OR TRANSFER MADE USING THE ADMINISTRATOR LOGIN THAT OCCURS BEFORE CUSTOMER HAS NOTIFIED BANK OF POSSIBLE UNAUTHORIZED USE AND BANK HAS HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. BANK WILL HAVE NO LIABILITY TO CUSTOMER FOR UNAUTHORIZED PAYMENT OR TRANSFER MADE USING THE USER LOGIN ESTABLISHED WITH THE ADMINISTRATOR LOGIN.

Bank may suspend or cancel Customer's COMPANY ID even without receiving such notice from Customer, if Bank suspects Customer's i-BB Account is being used in an unauthorized or fraudulent manner.

Acknowledgment of Commercially Reasonable Security Procedures

By using the i-BusinessBanking Service Customer acknowledges and agrees that this Agreement sets forth security procedures for electronic banking transactions, which are commercially reasonable. Customer agrees to be bound by instructions, whether authorized or unauthorized, which Bank implements in compliance with these procedures, unless Customer has given prior notice of possible unauthorized use as described above (and Bank had a reasonable opportunity to act on such notice).

i-BusinessBanking™

This disclosure describes the Bank's i-BB service and sets forth the terms and conditions relating to it. Bank makes this service available to Customer through the use of software and support services furnished by Metavante Corporation, pursuant to an agreement between that company and i-BB Service. Except in the case of Bank's gross negligence or willful misconduct, any damages shall be limited to an amount equal to six times the charges Customer has paid to Bank for the service during the calendar month immediately preceding the month in which such damages occurred. Bank shall not be liable to Customer in any circumstances for any special, consequential, indirect, or incidental damages. The terms and conditions in this disclosure relate only to the utilization of the i-BB Service by Customer and do not apply to or affect other agreements between Bank and Customer presently existing or made subsequent to Customer's use of the i-BB Service, which relate to other Bank services which Customer may access or otherwise utilize through the i-BB Service.

Bank makes no representations or warranties with respect to the contents hereof and specifically disclaims any warranties, either expressed or implied, of merchantability or fitness for any particular purpose. Further, Bank reserves the right to change the i-BB programs to which it relates and to make changes from time to time to the content hereof with no obligation to notify any person or organization of such revisions or changes. Further, Bank shall not be deemed Customer's agent and shall not be liable to Customer for consequential or indirect damages.

Bank shall be entitled to act upon communications received by it through the use of this system. Consequently, it is very important that Customer takes appropriate protective measures regarding the security and confidentiality of the passwords that are used for the system.

 

i-BusinessBanking™ Fee Schedule

Package 1 - $10.00 per Month

Includes access to three accounts, Multi-User Administration, Balance Reporting, Loan Reporting, Book Transfer, Express Transfer, Bill Pay from one Checking Account and Stop Payments. Applicable Transaction Fees are listed below.

Package 2 - $15.00 per Month plus $50.00 One Time Set-up

Includes access to everything listed in Package 1 plus Loan Payments, LOC Draws (needs approval from Loan Officer), ACH Payment and ACH Collections or Repetitive Wires. Applicable Transaction Fees are listed below.

Package 3 - $20.00 per Month plus $75.00 One Time Set-up

Includes access to everything listed under Package 1 and 2 plus NACHA ACH or Checks Issued file upload. Applicable Transaction Fees are listed below.

Package 4 - $7.50 per Month

Includes access to three accounts, Single User Login, Balance Reporting, Loan Reporting, Book Transfer, Express Transfer, Bill Pay from one Checking Account, Stop Payments and Web Connect for QuickBooks.  Application Transaction Fees are listed below.

Transaction Fees

Bill Payment:	$0.35 per item
ACH Payment/Collection:	$0.15 per item
Account Access > 3:	$1.00 per account per month

Other fees and account limitations may apply; contact your Commercial Banking Representative for more details.

Upon enrollment, the applicable one-time set up fee of will be deducted from the primary checking account designated by you on your Business Internet Banking application.

These charges are subject to change with 30-day advance notification by Bank. Monthly maintenance charges will begin in the month following enrollment for the service. Maintenance charges will not be refunded for any month where there is no activity. Business Internet Banking charges will be deducted from the primary checking account designated by you on your application, or if requested, billed to your analyzed checking account.