FEATURES & BENEFITS	BUSINESS CHECKING	BUSINESS NOW ACCOUNT	BUSINESS MONEY MARKET	CORPORATE MONEY MARKET PLUS
Open With...	$250	$250	$1,000	$1,000
Earns Interest
Free Online Banking and Electronic Statements
Online Bill Pay Available ($11.95/mo)
Monthly Fee	learn more*	learn more*	learn more	learn more
Special Requirements to Open	None	learn more	None	learn more
Withdrawal Limits	Unlimited	Unlimited	learn more	learn more

* restrictions or additional fees may apply. See account details or contact First State Bank of St. Charles for more information.

Business Checking

This checking account may be free! We'll monitor your account activity to determine if you're maintaining enough in balances to cover transaction costs associated with your account.

You get the following benefits from Non-Interest Checking:

• Unlimited check-writing
• Customized checks available
• Deposit bags available
• Open with $250.00

Service Charges:

• Deposits/credits $0.35
• Each check deposited $0.10
• Checks & other debits $0.15
• Monthly service fee $10*

Service charges are calculated monthly based on average collected balance, number of checks deposited, number of total deposits, and number of checks written against your account. You can reduce, or eliminate, service charges to your account with monthly credit allowances based on average collected balance less a 15% reserve requirement. Multiple account relationships for businesses can be combined for analysis, at customer request, and may lower your fees.

NOW Account

Put your money to work for you! The NOW Account is the perfect way to generate earnings on funds and help manage day-to-day operating expenses. Available to some businesses: i.e., sole proprietors or husband and wife companies. (Not allowed by law for corporations or partnerships.) For maximum benefits in a checking account, with interest, ask for the NOW Account.

Enjoy all the advantages of these select features!

• Earn interest on your account balance
• Unlimited check-writing privileges
• Open with $250.00
• Customized checks available
• Interest compounds and is paid monthly
• No monthly minimum balance requirements

Service Charges:

• Deposits/credits $0.35
• Each check deposited $0.10
• Checks & other debits $0.15
• Monthly service fee $10*

* Ask your customer service representative how you can reduce your monthly service fee.

Business Money Market Account

If you keep higher balances in your checking account, you may want to put these funds to work earning interest for your business.

• No monthly fee for balances over $1,000
• Unlimited in-bank withdrawals
• Interest is compounded and paid monthly
• Open with $1,000
• Preauthorized withdrawals, transfers, and third-party checks limited to six per month.

Corporate Money Market Plus

You can maximize your earnings with this high-interest money market account. With a balance of $10,000 or greater, you avoid a $10 monthly fee. Businesses who qualify for this account must:

• Have an operating deposit account at First State Bank
• Be enrolled in business online banking and elect to receive e-statements
• Preauthorized withdrawals, transfers, and third-party checks limited to six per month.