Minimum Opening Deposit ….…………………….………….….…………….…$ 100.00
Balance required to avoid service charges ……..…….…$ 1,000.00 minimum
                                                                   daily or $2,000.00 average monthly
Monthly Maintenance Fee …..………$10.00 if on any day in the statement
                                             period  the balance falls below $1,000.00 or the
                                              average monthly  balance is less than $2,000.00
Per Check Charge ..………..………...…….$.15 per check if balance falls below
                                        $1,000.00 on any day during the statement period
                             or $2,000.00 average monthly balance is not maintained
Statement Period: Monthly
Cost of check printing varies depending on the style of checks ordered.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item)…....$30.00
Overdraft Fee (per item) …………………………………..……………………......$30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
 withdrawal, or other electronic means.
Stop Payment Charge (per item) …………………………………………………..$30.00
Deposited Check Return Charge (per item) ..…………….…………………….$10.00
Dormant Account Charge: $5.00 per month if you fail to notify us in writing of your current mailing address and three or more account statements  have been returned  as undeliverable or you fail to use your account for one year and we cannot establish contact with you.

• No interest is paid on this account.

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Minimum Opening Deposit …….……………………….……………………….$5,000.00
Minimum balance to avoid the monthly maintenance fee ….……$1,000.00
daily balance or $5,000.00 average monthly balance during the statement
period.
Interest Rate ……..…………………………………………………………...See Rate Sheet
Annual Percentage Yield (APY) …..……………………………………See Rate Sheet
Interest Computation Method ………………………….……………..Daily Balance*
Interest will be compounded …..…………………….…………..…………………..Daily
Interest credited ……..…………………………………………………………………Monthly
Interest will begin to accrue no later than when the bank receives credit for the deposit.
If you close your account before interest is credited, you will receive the accrued interest.
Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time.

Tiered Interest Rate Method:
Interest rate for each day the balance is ..…………………….$2,499.99 or less
Interest rate for each day the balance is ….………………..$2,500.00 or more
Statement Period:  Monthly
Cost for check printing varies depending on the style of checks ordered.

Transaction Limitations:
You may make no more than six withdrawals or transfers per statement period (excluding in-person withdrawals or transfers), of which no more than six may be by check to third parties.
Unlimited withdrawals may be made in person.

Fees:
Maintenance Fee of $10.00 plus $0.15 per check and $0.30 per deposit if minimum balances are not met during the statement period.  If transaction limitations are exceeded in any statement period, each additional transaction incurs a $5.00 charge.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item) ….…$30.00
Overdraft Fee (per item) .……………………………….…………………………….$30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Stop Payment Charge (per item) …..………………………………………………$30.00
Deposited check Return Charge (per item) …...…………….………….……..$10.00
Dormant Account Charge: $5.00 per month as described previously.
* The daily interest is determined by the application of a daily periodic rate
to the collected principal in the account each day.  The Daily Balance Method applies a daily periodic rate to the collected principal in the account each day.

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Minimum Opening Deposit ….…………………………………………………..$1,000.00
Interest Rate ………………………………………………………………..…See Rate Sheet
Annual Percentage Yield (APY) ……………………………………....See Rate Sheet
Minimum balance required to obtain APY as listed: No minimum balance to earn interest.
Minimum daily balance of $2,500.00 or average monthly balance of $5,000.00 to avoid the monthly maintenance fee and per check charges.
Maintenance Fee …………$12.00 if minimum balances are not met during the statement period, plus $.30 per check after 25 items per statement period and $.30 per deposit after 25 deposits per statement period.
Interest Computation Method ……………….…………………….….Daily Balance*
Interest will be compounded ……………………….………………………………….Daily
Interest credited ………………………………………….…………………………...Monthly
Interest will begin to accrue no later than when the bank receives credit for the deposit.
If you close your account before interest is credited, you will receive the accrued interest.
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Statement Period: Monthly
Cost for check printing varies depending on the style of checks ordered.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item) …..…$30.00
Overdraft Fee (per item) …..……………………………………….………………….$30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Stop Payment Charge (per item) …………………………………………………..$30.00
Deposited Check Return Charge (per item) …………………..……………....$10.00
Dormant Account Charge: $5.00 per month as described previously.

• Only selected businesses such as sole proprietors or not-for-profit organizations are eligible.

*The daily interest is determined by the application of a daily periodic rate to the collected principal in the account each day. The Daily Balance Method applies a daily periodic rate to the collected principal in the account each day.

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Minimum Opening Deposit ….……………………….……………………..….$5,000.00
Interest Rate .………………………………………………….……………...See Rate Sheet
Annual Percentage Yield (APY) .……………………….……………..See Rate Sheet
Minimum daily balance required to obtain APY as listed .………..$2,500.00
Minimum daily balance of $5,000.00 or average monthly balance of
$10,000.00 to avoid the monthly maintenance fee and per check charges.
Maintenance Fee …………………$12.00 and $.30 per check in excess of 25
items per month, and $.30 per deposit in excess of 25 deposits per
month if minimum balances are not met during the statement period.
Interest Computation Method …………………………..………....…Daily Balance*
Interest will be compounded ..……………………………..……………………...…Daily
Interest credited ..………………………………………….………..…………….….Monthly
Interest will begin to accrue no later than when the bank receives credit for
the deposit.
If you close your account before interest is credited, you will receive the accrued interest.
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered Interest Rate Method:
Interest Rate of NOW Account for each day the balance is $2,499.99 or less;
Money Market interest rate for each day the balance is $2,500.00 or more.
Statement Period: Monthly
Cost for check printing varies depending on the style of checks ordered.
NSF (insufficient Funds) Paid or Returned Item Fee (per item)………$30.00
Overdraft Fee (per item) ……………………………………………………………….$30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Stop Payment Charge…………………………………………………………………...$30.00
Deposited Check Return Charge (per item)…………………………………....$10.00
Dormant Account Charge: $5.00 per month as described previously.

• Only selected businesses such as sole proprietors or not-for-profit organizations are eligible.

*The daily interest is determined by the application of a daily periodic rate to the collected principal in the account each day.  The Daily Balance Method applies a daily periodic rate to the collected principal in the account each day.

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Unlawful Internet Gambling Transactions Prohibited

If you are a commercial customer, you certify that you are not now engaged in, and during the life of this Agreement will not engage in, any activity or business that is unlawful under the Unlawful Internet Gambling Enforcement Act of 2006, 31 USC 5361, et seq., (the UIGEA”). You may not use your Account or any other service we offer to receive any funds, transfer, credit, instrument of proceeds that arise out of a business that is unlawful under the UIGEA. You agree that if anyone asks us to process a transaction that we believe is restricted under the UIGEA, we may block the transaction and take any other action we deem to be reasonable under the UIGEA and this agreement.

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The commercial lending staff at Surety Bank has extensive experience financing commercial real estate, and Surety’s directors are all long-time members of the local community, with many years of experience in diverse business backgrounds.  This combination of local knowledge and experience provides Surety’s Board of Directors and lending staff with a unique sense of value for commercial real estate in the central Florida area.  At Surety, you can depend on timely and straightforward responses to questions and requests for commercial real estate financing.   Please contact a commercial lender at your nearest Surety location for assistance.

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