OVERDRAFT PROTECTION

With this handy service, funds in your Business Savings, Business Money Market or Business Line of Credit are automatically transferred to your Business checking to cover any overdrafts.* Available upon request.

*A per-transfer fee applies — refer to current fee schedule.

VISA® BUSINESS CREDIT CARD

Our VISA® Business Card Program provides you with an excellent way to monitor, control and track expenses for your firm. It can be used for a variety of purposes --- routine company purchases, travel and entertainment, and employee expense accounts. Best of all, you'll benefit from friendly, hometown service.

• • Low annual fee of $20 per card.
• • Money-saving 13.85% APR fixed interest rate.
• • Full 25-day interest-free grace period on purchases.
• • Convenient itemized monthly billing statements provided to each cardholder.
• • Optional management-level reports just $5 each.
• • Account Summary (Monthly): Provides summary information on all account activity.
• • Employee Spending Analysis (Monthly): Detail on each cardholder's activity.
• • Summary Recap (Annual): Recap of all activity during the prior calendar year.
• • Friendly, local, hometown account service.
  

E-STATEMENTS

The convenience of getting current, as well as archived, statements electronically which then can be either downloaded or printed if necessary.
Simplify your life. Cut down on clutter. Save a tree. In fact, you can do all three when you go paperless with our free E-Statement option!

Once you sign up, you'll enjoy the convenience of safe, secure online access to your monthly account statements.

TELEPHONE BANKING

With Freedom TeleBank 1-800-530-7601, you can access your account information 24 hours a day by simply using a touch tone phone. Plus, you can transfer funds between your accounts! To use the TeleBank, you must have at least one checking account. This optional service is free. Simply complete the TeleBank authorization form.

BUSINESS ONLINE CASH MANAGEMENT

What is Cash Management? Cash Management is a powerful suite of online banking services for businesses of all sizes, this package includes:

• Viewing Account Balance & Rate Information
• Viewing Transaction Details & Account History, Including Check Images
• Transferring Funds Between Accounts
• Submitting Wire Transfer Requests
• Importing & Exporting Account History for Reconciliations
• Creating Payroll & ACH Payments (ACH Credits)
• Creating Collections & ACH Receipts (ACH Debits)