BUSINESS BANKING / Commercial Analysis COMMERCIAL ANALYSIS This is an account offered to businesses that usually maintain normal to high balances. Minimum Account Opening Balance - $1,000 Free Online Banking Free Online Bill Payment Bank-By-Mail MONTHLY SERVICE FEES Statement Service Fee: $15.00 (1) Per Check Paid fee: $0.20 Per Deposited Check Fee: $0.12 Per Deposit Slip Fee: $0.30 No-Annual-Fee Credit Card: (2) No Monthly Service Fees with $5,000 Minimum Daily Balance (1) An"Earning Credit" based on the monthly average collected balance (less reserve of 10%) will be granted and applied to offset the assessed service charge. The "Earning Credit" is calculated using the most recent "91 Days T Bill Rate." If the "Earning Credit" is higher than the service charge, you will be assessed fees but you will not be paid, carry forward or otherwise receive credit for any excess earning credit. If the "Earning Credit" does not offset completely the service charge, the net difference will be assessed and charged to the account. (2) Subject to credit approval. No Annual Fee option available on Visa card.