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<br />Banko' America. ~ <br />~- <br /> <br />Excess withdraw I fee *** ................................................................................. 10.00 <br /> <br />FDIC assessment........................................................................................... current Bank of <br />America assessment <br />Daily negative collected balance ................................................................... Prime <br /> <br />I <br /> <br />** Applies to checks and other items (excluding cash) deposited; additional fees for processing cash <br />deposits are listed in the miscellaneous fees section fo the Schedule of Fees for Analyzed Business <br />Accounts brochure. <br /> <br />*** Transaction limits for savings accounts. The Deposit Agreement and Disclosures and federal <br />regulations limit certain transactions for savings accounts. Legal limit: No more than a total of six <br />transfers each monthly statement cycle from a saving account by means of a preauthorized transfer <br />(automatic, wire, telephone or Online Banking), check, draft or debit card: of the six transfers, if <br />checks, drafts or debit cards are allowed on the account, nor more than three transfers may be made <br />by check, draft or debit card. For some accounts we charge a fee for each transaction that exceeds <br />these legal limits. This fee applies regardless of your account balances. If you exceed these legal <br />limits on more than an occasional basis, we convert your account to another type of an account and <br />your account may no longer earn interest. <br /> <br />Fees that may apply <br />FDIC assessment: Accounts will be charged on the end-of-month ledger balance based on the <br />current FDIC assessment. In the event of changes in the FDIC assessment set by the federal <br />government, Bank of America may increase or decrease this fee. <br /> <br />Earnings allowance rate: We calculate an earnings allowance on your current month's average <br />positive collected balance less an amount that we determine applies for reserves applicable generally <br />to transaction accounts under the rules of the Federal Reserve. If government reserve pOlicies <br />change, we may increase or decrease this amount without notice. The earnings allowance may be <br />used to offset many monthly ~ervice charges. The earnings allowance applies to Full Analysis <br />Business Checking and the Zero Rate Investment Account. The earnings allowance applies only to <br />the current statement cycle. It does not accrue beyond the current statement cycle. <br /> <br />I <br /> <br />This is an important document. Please file it with your other bank records. <br /> <br />I <br /> <br />Confidential <br /> <br />10 <br />