Business Deposit Products and CDARS®

At Service 1^st Bank our wide range of deposit options reflects our commitment to delivering personalized "relationship" business banking. If you appreciate individual attention and personalized service, contact us today.

Great Business Opportunity to Protect Your Deposits
Worried about FDIC insurance on your CD's over $100,000? Well, worry no more! With the new Certificate of Deposit Account Registry Service® (a.k.a. CDARS®), Service 1^st Bank can provide its customers with more than $100,000 in FDIC insurance coverage! Depositors no longer have to go to different banks to receive full FDIC coverage.

CDARS®:
Service 1^st Bank can provide our customers with full FDIC insurance coverage! Contact your Service 1^st Bank branch for full details or visit www.cdars.com for more information.

Small Business Checking:
A small business with modest transaction activity and average balances, will find that this account was designed with them in mind.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Courier service available for an additional charge	$100	None	100 cleared checks (including debits) are permitted per monthly statement cycle. For each item over 100, a fee of $0.25 per item will apply. 20 deposits are permitted per month. For each deposit over 20, a fee of $1 per deposit will apply.	Monthly service charge of $10 may be avoided by maintaining an average daily balance of $2,000.

Business Checking:
A business checking account that offers expanded check writing, courier service, and more!

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
Expanded check writing and courier service available.*	$1,000	None	250 cleared checks (including debits) are permitted per monthly statement cycle. For each item over 250, a fee of $0.25 per item will apply. 20 deposits are permitted per month. For each deposit over 20, a fee of $1 per deposit will apply.	Monthly service charge of $15 may be avoided by maintaining an average daily balance of $5,000.

Business Interest Checking:
A checking account that pays you interest and permits expanded check writing. Courier service is also available. This account is designed for sole proprietors, not-for-profit corporations and government entities.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
No minimum balance to earn interest. Expanded check writing and courier service available.*	$1,000	Interest is compounded daily and paid monthly.**	250 cleared checks (including debits) are permitted per monthly statement cycle. For each item over 250, a fee of $0.25 per item will apply. 20 deposits are permitted per month. For each deposit over 20, a fee of $1 per deposit will apply.	Monthly service charge of $15 may be avoided by maintaining an average daily balance of $5,000.

Business Savings:
With a low opening deposit requirement combined with a reasonable average balance requirement to avoid a service charge, any business can start to earn interest with this product.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
No minimum balance to earn interest	$500	Interest is compounded daily and paid quarterly.**	Limited to 6 withdrawals per calendar quarter with no more than 3 to third parties. A fee of $2 per withdrawal will apply when the quarterly limit of 6 is exceeded.	Quarterly service charge of $5 may be avoided by maintaining an average daily balance of $500.

Liquid Gold Checking:
This account offers unlimited check writing and earns interest based on a tiered rate structure. Enjoy unlimited access to your funds and earn interest at a higher yield. This product is available to sole proprietorships, not-for-profit, and government entities.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
No minimum balance to earn interest. Unlimited check writing and ATM/Visa® Check Cards available.	$5,000	Interest is compounded daily and paid monthly.** This is a tiered rate account.	Unlimited	Monthly service charge of $15 may be avoided by maintaining an average daily balance of $10,000.

Business Money Market Checking:
Write just a few checks each month and earn a higher interest rate on your account balance.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
No minimum balance to earn interest. Limited withdrawals, tiered interest rate structure.	$2,500	Interest is compounded daily and paid monthly.** This is a tiered rate account.	Transfers to another account or to third parties by preauthorized, automatic, or telephone are limited to 6 per monthly statement cycle with no more than 3 by check, draft, debit card, or similar order to third parties. A fee of $10 per item will apply when the monthly limit of 6 is exceeded.	Monthly service charge of $15 may be avoided by maintaining an average daily balance of $2,500.

Regular Certificates of Deposit:
Earn higher rates by setting excess funds aside from 30 days to 60 months.

Product Features	Minimum Opening Deposit	Interest	Penalties
Terms can vary from 30 days to 60 months, 10-day auto renewable grace period.	$1,000	Interest is compounded daily and paid monthly, quarterly, annually or at maturity.	A penalty may be imposed for early withdrawal.

Attorney Client Trust Account:
A specialized checking account designed to meet your fiduciary responsibilities.

Product Features	Minimum Opening Deposit	Interest	Withdrawals	Service Charges
No minimum balance to earn interest. Interest payments made directly to the State of California.	None	Interest is compounded daily and paid monthly.**	Unlimited	None

*2 free pickups per week, each additional pickup is $7.50 per pickup.
**Rates are subject to change at any time without prior notice.

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