Business Checking Comparison Chart

	COMMERCIAL CHECKING ACCOUNT	COMMERCIAL NOW ACCOUNT	BUSINESS PORTSIDE CHECKING ACCOUNT	COMMERCIAL MONEY MARKET ACCOUNT
Average Daily Balance to Avoid Monthly Maintenance Fees	N/A	$2,500.00	$2,500.00	$5,000.00
Interest Rate Structure	N/A	May be adjusted to be competitive with market rates/$2500.00 minimum daily balance to earn interest.	N/A	May be adjusted to be competitive with market rates. Tiered rates apply ($00.01, $40,000.00, $100,000.00, $500,000.00 & $1,000,000.00 minimums to earn interest); see Investment Rate Index.
Minimum Opening Deposit	$500.00	$500.00	$100.00	$1,000.00
Monthly Maintenance Fees	TBD using Account Analysis. Please see additional information in the section below.	A Maintenance Fee of $15.00 will be imposed for each monthly statement cycle that the Average Daily Balance for the monthly statement cycle falls below $2,500.00. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.	A Maintenance Fee of $10.00 will be imposed for each monthly statement cycle that the Average Daily Balance for the monthly statement cycle falls below $2500.00. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.	A Maintenance Fee of $15.00 will be imposed for each monthly statement cycle that the Average Daily Balance for the monthly statement cycle falls below $5,000.00. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Other Fees Which May Apply	See Details	See Details	See Details	See Details
Additional Info	See Details	See Details		See Details
Statement	Monthly	Monthly	Monthly	Monthly
Withdrawals	Unlimited	Unlimited	Unlimited	We prohibit transfers to third parties by POS (Point of Sale). No other transaction limitations apply to this account, but Debit Fee may apply.

Additional Information (Account Analysis–Applicable to Commercial Checking Account Only)

Minimum to Open: $500.00
Commercial Account Analysis
Average Collected Balance
X *Earnings Credit Rate
X Number of Days in Statement Cycle
(Divided by) 365 = Monthly Earnings Credit

The sum of the following fees = Monthly Activity Cost:
Maintenance Fee of $20.00
plus number of Checks/Debits x $.15
plus number of Electronic Debits x $.12
plus number of Deposits x $.25
plus number of Electronic Credits x $.12
plus number of Deposited Items x $.10
plus FDIC Assessment**
plus Miscellaneous Services (including, but not limited to, Stop Payment Fees, Deposit Correction Fees, coin and currency
purchases, etc.)
FDIC Assessment (if any) Fee varies

= Monthly Activity Cost

If the Monthly Activity Cost is less than or equal to the Monthly Earnings Credit, there is no Service Charge for the month. If the Monthly Activity Cost is greater than the Monthly Earnings Credit, the difference is the monthly Service Charge. Earnings credits are not credited to an account nor carried forward to the next month.

Note: National Prime interest rate plus a margin will be charged on any negative Average Collected Balance for the monthly statement cycle and will be added to the monthly Service Charge. (The amount of the negative Average Collected Balance for the monthly statement cycle will be multiplied by the National Prime interest rate <Wall Street Journal “WSJ” Prime Rate as of the first of the month> plus a margin and that product will be multiplied by the number of days in the statement cycle, then divided by 365.) As of the Disclosure provision date, the interest rate plus the margin you will be charged is National Prime plus 2%. The interest rate, margin, and rate index used in the calculation may change at any time without notice at bank’s discretion. You may call us at (800) 467-7216 for the current National Prime interest rate, margin, and rate index.

*The Earnings Credit Rate for Commercial Account Analysis is based on Texas Gulf Bank’s Cost of Funds and is subject to change at any time without notice at the bank’s discretion. Earnings Credit Rate is determined by Texas Gulf Bank, N.A. and is set each month based on current market conditions. You may call us at (800) 467-7216 for the current Earnings Credit Rate.

**The FDIC Assessment (if any) may change at any time without notice at bank’s discretion. You may call us at (800) 467-7216 for the current FDIC assessment charge.

SPECIAL INFORMATION REGARDING COMMERCIAL ACCOUNTS ON ACCOUNT ANALYSIS: Notwithstanding anything contained in the Commercial Account Agreement to the contrary: 1) modification of the interest rate (and the margin and rate index used to calculate the rate) charged on any negative Average Collected Balance for the monthly statement cycle;
2) modification of the Earnings Credit Rate (and rate index used to calculate the rate); and 3) modification of the FDIC Assessment rate shall not be considered an adverse change for which you would receive notice. The rate charged on any negative Average Collected Balance for the monthly statement cycle, Earnings Credit Rate, and FDIC Assessment rate (along with any margin or rate index used to calculate any of these) are subject to change on a daily basis at the bank’s discretion. They will be provided by the bank to you by calling the following phone number during bank’s operating hours: (800) 467-7216.