Ultimate Checking Disclosure

This disclosure contains the rules which govern your deposit account. If your account is not already a MMDA, a portion of your account balance may be classified as an MMDA for regulatory purposes. This classification will not affect the terms or fees contained in this disclosure.

Minimum Opening Requirements
There is no minimum deposit required to open this account.

Bonus Information
You are entitled to the following bonuses with this account:

$100 cash bonus earned for receipt of a direct deposit of at least $100 to your checking account provided that the direct
deposit occurs between the day the account is opened and the end of the third statement cycle.

$50 cash bonus earned if a total of 20 or more point-of-sale (POS) transactions are conducted within one statement cycle from the time the account is opened until the end of the third statement cycle.  This does not include transactions conducted through an ATM.

The cash bonuses will be automatically deposited into your Ultimate Checking account on the first business day of the statement cycle following the qualifying event(s). Cash bonuses are limited to one bonus per type per client per calendar year. Cash bonuses are reportable as interest on a 1099-INT.

Charges which may be applied to this account

After eighteen (18) months of inactivity your account will be classified as DORMANT and will be charged a monthly dormant fee if your account balance is less than $1,000.

Additional Disclosure Terms
The first 2 Non Republic ATM transaction Fees will be waived each statement cycle. Additionally, your account will automatically be reimbursed for the first 2 Non Republic Bank ATM fees assessed to you by the ATM owner. Fees will be reimbursed on next business day.

Ultimate Checking account restricted to one account per client.