BUSINESS BANKING

Business Deposit Accounts

• FREE Small Business Checking
• Small Business Checking
• Business Analysis Checking
• Commercial NOW Account
• Commercial Money Market

FREE Small Business Checking

The FREE Small Business Checking Account is geared towards businesses that have very few transactions on a monthly basis.

How it Works:

With just a $50 minimum opening deposit and no monthly maintenance fee, this is the perfect account for sole proprietorships and other small businesses with a limited number of checks and a low deposit item volume. With FREE Small Business Checking, you get:

• Free Online Banking
• Up to 150 debits/credits (check writing, auto debits, drafts, deposits, deposited items, etc.) monthly
• Free VISA business debit card
• Link to another account for overdraft protection
• Employees of the business are eligible for First American Bank's Payroll Advantage Account!

If you exceed the deposit or withdrawal limitations, the excess item fee is $.30 per item over 150.

Small Business Checking

Do you operate a small business and want an account to handle a limited number of transactions? First American Bank's Small Business Checking may be just what you need. Our Small Business Checking is a non-interest bearing commercial account designed for collecting income and paying out daily expenses for businesses with limited transaction activity. If you maintain the daily minimum balance and do not exceed the transaction limitations, the account may be FREE!

How it Works:

With just a $50 minimum opening deposit and a minimum daily balance requirement of $1,500, this is the perfect account for sole proprietorships and other small businesses with a limited number of checks and a low deposit item volume. With Small Business Checking, you get:

• Free Online Banking
• Up to 200 debits/credits (check writing, auto debits, drafts, deposits, deposited items, etc.) monthly
• Free VISA business debit card
• Link to another account for overdraft protection
• Employees of the business are eligible for First American Bank's Payroll Advantage Account!

If you have a statement cycle during which you do not meet the minimum balance, you will be assessed a $10 per month service charge, plus a debit fee of $.15 for each debit transaction. If you exceed the deposit or withdrawal limitations, the excess item fee is $.15 per item over 200.

Commercial Checking allows your company to combine balances in accounts for the purpose of reducing or eliminating service fees through an earnings credit. This account is tailored for businesses that write a significant number of checks and deposit a substantial amount of cash and/or checks each month.

How It Works:

With Commercial Checking, the balance in your account is used to compute earnings credit which will offset or perhaps even eliminate service fees. You'll also get:

• Unlimited check writing privileges
• Unlimited deposits
• Free Internet Banking access
• Free VISA business debit card
• Month end statement with transaction details and check images

A wide variety of treasury management services are also available with Commercial Checking. Your First American Business Banker can supply you with per item costs and an estimate of earnings credit based on information you provide.

Commercial NOW Account

First American Bank's Commercial NOW Account is an interest bearing business account used for collecting income and paying out daily expenses. This account is restricted by law to sole proprietors and non-profit or governmental agencies.

How It Works

The Commercial NOW account requires a $50 opening deposit but has no monthly minimum balance requirement. Just like the Business Analysis Account, this NOW account is subject to account analysis charges and an earnings credit is applied to offset fees. Any interest earnings in excess of those needed to offset fees are paid directly to the account monthly. You also get:

• Competitive fees
• Free online banking
• Free VISA business debit card
• Unlimited check writing privileges
• Unlimited deposits

Commercial Money Market

Overview

A Commercial Money Market account is an interest bearing account used by a commercial customer to accumulate funds while still having the ability to write a limited number of checks to access the funds.

How it Works

All it takes is a $50 minimum deposit to open this account. First American's Commercial Money Market account has a $1,000 minimum balance to avoid a service charge. If the balance falls below the $1,000 minimum, interest is still earned but there will be a charge of $10 per month. You will also get:

• Interest compounded and credited monthly
• Free online banking
• Higher interest rate tiers at the $10,000 - $25,000 - $50,000 levels
• Up to 6 withdrawals per month (3 by check)
• Excellent place to hold excess cash until needed
• Access funds by check

If your business needs easy access to larger balances on an occasional basis then the First American Bank Commercial Money Market Account may be for you.