Regular Commercial Checking
NEW- Free Small Business Checking
Commercial Money Market
Commercial Checking Plus
Lawyer's Trust Fund Account

Current Rates

A Commercial Checking Account is designed for corporations, partnerships, sole proprietorships, Limited Liability Companies, organizations and professionals. The following service charges will apply each month:

• Account Maintenance - $6
• Checks Paid and Other Debit Items - $.15/each
• Checks Deposited - $.12/each
• Returned Deposited Items - $2/each
• Deposit Corrections - $5/each

Our commercial non-interest bearing account can actually save you money! An earnings credit, based on current market rates of interest, is calculated based on the account's average collected balance. If the service charges for the month exceed the earnings credit, the difference is shown as a debit on the statement. If the earnings credit meets or exceeds the monthly service charges, no charge will be assessed.

The minimum initial deposit to open a Commercial Checking account is $100.

| Top |

A Free Small Business Checking Account is designed for commercial customers who are after an economical and easy to understand checking account.

The minimum balance to open a Free Small Business Checking Account is $100. There is no minimum balance to maintain and no monthly maintenance fee as long as the number of checks written deposits made, checks deposited and electronic transactions presented during a statement cycle add up to no more than 400 items.

If the aggregate transaction volume exceeds 400 items during a statement cycle, the following monthly service charge will be assessed:

• Items in excess of 400..$.40 ea

Additional features of a Free Small Business Checking Account are:

• Free On-Line Banking

• Free Business Debit / ATM Card with Fraud Alerts

• Free Imaged Check Fronts Returned with Easy to Read Monthly Statement

| Top |

A minimum initial deposit of $1,500 will open a Commercial Money Market Deposit Account (MMDA). A Commercial MMDA balance earns a fluctuating rate of interest that increases depending on the account's daily ledger balance. The current interest rate tiers for Commercial MMDA's are as follows:

• Below $2,500.00
• $2,500.00 to $24,999.99
• $25,000.00 and above

If the Commercial MMDA balance falls below $1,500.00 at any time during the statement cycle, a $10.00 account maintenance service charge is assessed.

Federal law limits Commercial MMDA's to six withdrawals during a statement cycle, three of which may be by check. A $10 excessive withdrawal fee is charged for each withdrawal in excess of six during the statement cycle and may result in the reclassification of the account to a non-interest bearing transaction account without withdrawal restrictions. A Commercial MMDA must remain open through month end to receive an interest credit.

| Top |

This special Commercial NOW (Negotiable Orders of Withdrawal) Account is essentially a regular checking account that pays interest. There is no longer a need to maintain two accounts nor is it necessary to transfer money to receive interest. Commercial Checking Plus provides the liquidity of a checking account with the benefit of earned interest. A monthly itemized statement will be sent with cancelled checks.

Current banking regulations restrict NOW Accounts to individuals, sole proprietorships, and certain not-for-profit organizations. This account pays a fluctuating rate of interest that accrues on the daily ledger balance and requires a $1,000 minimum opening deposit.

The following service charges will apply:

• Checks Paid and Other Debit Items in Excess of 15 - $.15/each
• Deposited Items - $.12/each

A Commercial Checking Plus Account must remain open through the end of the month to receive an interest credit. If the account balance falls below $1,000 at any time during the statement cycle, a $10 fee will be assessed.

| Top |

A Lawyer's Trust Fund Account is an interest bearing NOW Account designed for nominal or short term client deposits held by lawyers in trust accounts. The net proceeds (interest less service charges) are remitted quarterly to the Lawyer Trust Fund of Illinois. Because LTFA's are aggregated prior to remittance, there will never be a deduction for a service charge nor will there be an interest credit to the account. The balance will always reflect actual transactions.

LTFA Service Charges:

• Monthly Maintenance - $12.50
• Per Check Written - $.25

Home State Bank/N.A. is a member of the FDIC.

| Top |