AnalyzedBusinessCheckingAccountsPRODUCT X INDICATES ACCOUNT SELECTEDMETHOD USED TO CALCULATE INTERESTCOMPOUNDING PERIODMINIMUM BALANCE TO OBTAIN APYINTEREST RATEANNUAL PERCENTAGE YIELD APYINTEREST IS ID: 897183
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1 ANALYZED(Rev./201 AnalyzedBusinessChecki
ANALYZED(Rev./201 AnalyzedBusinessCheckingAccounts PRODUCT (X) INDICATES ACCOUNT SELECTED METHOD USED TO CALCULATE INTEREST COMPOUNDING PERIOD MINIMUM BALANCE TO OBTAIN APY INTEREST RATE/ANNUAL PERCENTAGE YIELD (APY) INTEREST IS CREDITED CORPORATE ANALYZED CHECKINGCCCCCCCHECHECKI N/A N/A N/A N/A N/A ( ) NOW CHECKING Average daily balance Monthly $15,000or more Rate: Monthly $5,000 Rate: or more but APY: less than $15,000 $1,500 Rate: or more but APY: less than $5,000 $5 or more but Rate: less than APY: $1,500 Less than $5 No interest earned: INTEREST BEARING CORPORATE ANALYZED CHECKINGEARNINGS CREDIT AND FEES We calculate a monthlyallowance on our fees for you by applying a market based rate to your average positive available balance, less a reserve factor.The result of this calculation represents the deposit earnings credit amount that is used to offset the activity fees for our services you used. When the fees exceed your deposit earnings credit, we charge the difference to your account. ANALYZED(Rev./201 AverageDailyBalancemethodappliesperiodicrate(e.g.,monthlyquarterly)againsttheaveragedailybalanceforthe period.AverageDailyBalancecalculatedaddingtheprincipaltheaccountforeachtheperioddividingthat figure by the number of days inthe period.STATEMENTSAREMAILEDMADEAVAILABLEPERIODICALLYNormalstatementcyclesarefollows: Checking MonthlyRECORDCHECKyou choose this service, the Bank will keep record of your cancelled checks instead of providing image copies of the front of cancelled checks with your statement. If you need copy of cancelled check, the Bank will mail it to you. reconstruction fee may apply if request total reconstruction (copies of all checks and/or statements) for one or more statements.VICE FEE SCHEDULEMaintenanceCustomerBalanceInquiryCoinRolledCoinFurnished$.1roll UnrolledCoinFurnished/Deposited.$5.25CurrencyCurrency Deposited Handling FeePer thousand ........................................ $2.50Currency Withdrawal Handling FeePer thousand ...........................
2 ............................... $2.50Dep
............................... $2.50DepositsChecks DepositedUnencoded . $.25 eachEncoded$.19 eachEncoded Reject . $.35 eachDepositsProcessed........each AutomatedClearingHouse(ACH).............$.22each Deposit ItemsReturnedStandard...... ...................................................... $14 itemResubmits $15 itemCanadianCheckProcessedeachStatementsDuplicate Statement . .$6 eachStatement Forwarding Fee ......................................$25 eachSpecial Statement Request .$6 eachAdditional Statement $6 eachPhotocopy Request .$6 eachInterested Party Statement $5 each for each statement sent to a third party at thecustomerÕs request.BalanceVerificationLetter$25 for original letter provided verifying your deposit account(s)withus;maynotarized.Additional Copies........... .............. . $5 eachTransactions/DebitsInsufficient Funds (NSF) Checking each for each withdrawal, check, electronic fundtransfer, or other item we pay or return that overdraws your account. Unavailable Funds (UNA).... ............... . each for each withdrawal, check, electronic fundtransfer,or other item we pay or return that is drawn against unavailable funds. Checks Paid .............. ................ $.23 each Automated Clearing House (ACH).............. $.22 each Stop Payment Order ....... ................$40 each Legal Papers.... $100 eachfor each court order, restraining notice, levy or other legal paper that requires us to put a hold on your account or to pay out money from your account to someone else.may amend the service fees and include charges for additional services provided or expenses incurred your behalf. may assess Deposit Administration Fee. Ask your HSBC bank representative for specific charges.See EFT FACILITY CHARGES disclosure for service fees applicable to functions performed at HSBC ATM or other Electronic Facility.BANK RULES This document is part of the ÒRules for Commercial Deposit AccountsÓ. In case of inconsistency between this document and the rules, this document governs