ECONOMY CHECKING

• Minimum opening deposit of $100
• No per-item fee on the first 225 transaction items (including items deposited, ACHs received and all electronic credits and debits) per month
• Per-item fee of $0.25 on each transaction item over 225 per month
• $1,000 average daily balance to avoid monthly maintenance fee
• Monthly statements

FULL-ANALYSIS BUSINESS CHECKING

• Minimum opening deposit of $100
• No average balance required; monthly maintenance fee
• Earnings credit tiered based on average investable balance
• Monthly maintenance fee
• Per-item fees include the following:
  Each debit paid - $0.16
  Each deposit - $0.40
  Each item deposited - $0.11
  Each electronic credit - $0.18
  Each electronic debit - $0.20

• FDIC insurance monthly fee of 0.12% on average ledger balance
• Use of uncollected funds will be charged based on the prevailing Wall Street Journal Prime Rate plus 3.00%
• Analysis statements provided for any month in which a charge is incurred
• Monthly statements

BUSINESS INTEREST CHECKING

• For use by Sole Proprietors and Nonprofit Organizations
• Minimum opening deposit of $100
• No per-item fee on the first 225 transaction items (including items deposited, ACHs received and all electronic credits and debits) per month
• Per-item fee of $0.25 on each item over 225 per month
• $1,000 average daily balance to avoid monthly maintenance fee
• Market interest rates earned on all balances
• Interest paid monthly
• Monthly statements

IOLTA (LAWYER'S TRUST ACCOUNT)

• Minimum opening deposit of $100
• Monthly maintenance fee
• Market interest rates earned on all balances
• Interest earned, after deducting any monthly fee, is remitted to Legal Services Corporation of Virginia
• Monthly statements

BUSINESS MONEY MARKET ACCOUNT

• Minimum opening deposit of $500
• 6 withdrawals allowed per statement cycle period
• $5 per withdrawal after 6 withdrawals
• $500 average daily balance to avoid monthly maintenance fee
• Interest paid monthly
• Tiered interest rate structure
• Monthly statements

PHOENIX ACCOUNT

• Minimum opening deposit of $1,000
• Deposits permitted at any time
• Maturity every 90 days
• 10 day grace period after maturity for withdrawals
• Automatically renews
• Interest paid every 90 days at maturity
• Early-withdrawal penalty equal to 90 days' forfeiture of interest, regardless if earned
• Market interest rate is tiered by age of account:
  1-12 months                  6 month CD rate
  13-24 months                1 year CD rate
  25-36 months                2 year CD rate
  37 months or longer     3 year CD rate
• Calendar quarter statements

CERTIFICATE OF DEPOSIT

• Minimum opening deposit of $500, unless otherwise stated
• Term of 3 months to 5 years
• 10 day grace period after maturity for withdrawals
• Penalty for early withdrawal, forfeiture of interest, regardless if earned, as follows:
• 3 months' forfeiture for CD with term of 1 year or less
• 6 months' forfeiture for CD with term greater than 1 year
• Automatic renewal
• Interest paid quarterly
• Calendar quarter statements

CDARS® CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICES®

• Full FDIC Insurance on CDs up to $50 million
• Work with 1 bank on all CD deposits from $10,000 to $50,000,000
• 1 interest rate on CDs placed through CDARS®
• Monthly statement detailing your CD balances
• Wide variety of maturities ranging from 4 weeks to 5 years

FUNDS MANAGEMENT CERTIFICATE OF DEPOSIT

• Minimum opening deposit of $50,000
• Terms of 7 to 365 days
• Interest paid at maturity
• Penalty for early withdrawal, forfeiture of all interest that would be paid if held until maturity
• Single maturity, no automatic renewal