Common use of Charges and Fees Clause in Contracts

Charges and Fees. Account Research/Reconcilement Fee $50 per hour, 1 hour minimum Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum or higher per setup – negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above. Foreign Check Deposited International outgoing collection $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]

Charges and Fees. Account Research/Reconcilement Fee $50 per hour, 1 hour minimum ATM/Debit Card Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned $12 unpaid Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Foreign Check Deposited International outgoing collection $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent] $0 – $1,000 $25 $1,001 – $25,000 $45 $25,001 – $100,000 $75 > $100,000 $100 Expedited processing available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Foreign Currency Service Non-Client Processing Fee $15 per occurrence Foreign Currency Denominated Deposit Account (non-interest bearing) Monthly Maintenance Fee $50 per account Bond Collection Fee $30 Branch Deposit Surcharge amount $30 This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Gift Card Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing incoming/ $100 outgoing International courier Foreign Check $35 each or cost, if higher Purchase Fee $3 per card Lost/Stolen Card Replacement Fee $6.95 per card Shipping and Handling Fee $2 per card Inactivity Fee $4.95 per month Inactivity Fee is charged beginning the 13th month of no activity following card activation. Legal Process Fee $125 (Attachments, levies, garnishment, subpoenas, etc.) Legal Review of Documents $300 per hour or at cost, if higher 1 hour minimum Multiple Signature Requirement $7 per month per account Multiple signature requirements apply only to checks (excluding checks that are converted to an electronic item) and withdrawals or Special Handling Charges and Fees transfers made in person. Overdraft (OD/NSF) Fees Basic OD Fee Charges and Fees For posted or non-posted items without Positive Pay First 30 days No charge After 30 days $2 per item reviewed Returned debits $0 Paid Debits First or Second Occurrence $0 Third or Subsequent Occurrence $25 per debit Maximum daily OD fees $25 per day An occurrence is any business day on which one or more items are presented for payment and there are not enough available funds in your account to cover the item(s). Occurrences are viewed on a rolling 12-month basis; we look at the current month plus the prior twelve (12) calendar months to determine the number of occurrences. If, after all items have been posted at the end of the day, the account is overdrawn by $50 or less, we will not assess the applicable OD fee. Accounts Overdrawn 60 days or more At the discretion of CNB, CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and published as its "prime rate." Overdraft (OD/NSF) Fees - Analyzed Accounts Overdraft (OD) Fee Returned debits $0 Paid debits First or second occurrence $0 Third or subsequent occurrence $25 per debit Maximum daily OD fees $25 per day An occurrence is any business day on which one or more items are presented for payment and there are not enough available funds in your account to cover the item(s). Occurrences are viewed on a rolling 12-month basis; we look at the current month plus the prior twelve (12) calendar months to determine the number of occurrences. If, after all items have been posted at the end of the day, the account is overdrawn by $50 or less, we will not assess the applicable OD fee. Interest on Overdrafts and CNB's prime rate Uncollected Funds plus 4% on 365-day (accrues daily)5 year, 10% per annum minimum Photocopy Fee for Canceled Checks $5 per copy Clients may receive two (2) check photocopies that include the front and back of a check at no charge, per monthly statement cycle. Research Fee (includescheck $50 per hour, reclamation crime reports, legal 1 hour minimum records, and other requests) $1 per copy Retirement Account Termination or $50 Transfer Fee Safe Deposit Drilling fee Cost +$30 Duplicate key $15 Late or no show for locksmith appointment Cost +$30 Late payment > 15 days $10 Manual payment processing $12.50 Rental fee (refer to box agreement) Based on box size Signature Guarantee - Standard $10 per signature Signature Guarantee - Medallion $15 per signature After 60 days $2 per item reviewed, plus $75 per month or portion thereof Statements Electronic Statements No charge Statement and check images available through City National Online Paper Statement without Check Images Check images available through City National Online Green Savings Account $5 per month All other Accounts No charge Paper Statement with Check Images Fee is charged even if minimum or average balance requirements are met. Image fees are not applicable to Money Market Accounts. Standard check images $2 per month (18 images per page, front image only) Large check image (12 images per page, front image only) 50 check images or fewer $2 per month 51–249 check images $2.50 per month 250 or more check images $5 per month Enhanced check images (12 images per page, front and back images) 50 check images or fewer $3 per month 51–249 check images $5 per month 250 or more check images $10 per month Duplicate (past cycles) $6 per statement Other Statement Options Duplicate (recurring) $4 per statement Instant statement $4 per statement Interim statement cut-off $5 per statement Multiple statements per month $5 per month Stop Payments 6-month term $30 Renewal, 6-month term $30 Post-dating hold fee $30 2-year term $40 Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified Setup $50 Annual fee $20 Accepted stop payment request - $20 CNB Cashier's check Verification of Deposit $20 (Including written balance confirmations and credit ratings) Wire Transfers Domestic Incoming $15 Domestic Outgoing international collections Internet-initiated (USD) Non-repetitive $12 Book Transfer $5 Non-Internet Initiated Charges and Fees 3 Electronic debits include automatic transfers or payments, ATM or Debit Card purchases, wire transfers, and online banking or mobile Drawdown/Reverse $15 Non-repetitive $40 Repetitive $30 International Incoming $15 International Outgoing Internet-initiated (Foreign Currency $20 or USD) Non-Internet Initiated Non-repetitive - Foreign Currency $55 Non-repetitive - USD $60 Repetitive - Foreign Currency $45 Repetitive - USD $50 Wire Principal Protection Service $25 Available for limited currencies only. Wire Investigation Domestic Wire $30 International Wire $40 Includes amendments, recalls and tracers. Additional charges may apply due to charges incurred by CNB when conducting the investigation. Wire Notification Fax $6 Telephone $12 ADDITIONAL INFORMATION‌ ACCOUNTS ESTABLISHED ONLINE‌ The required initial deposit and other account terms and conditions may vary when accounts are established online and may also be waived or varied at the discretion of CNB. RETIREMENT ACCOUNT FEES‌ For retirement funds held in a certificate of deposit, a retirement account termination or transfer fee may apply when the plan and the accounts are terminated or transferred to another financial institution. MISCELLANEOUS ASSESSMENTS‌ ▪ An Early Account Closure fee will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum or higher per setup – negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for to accounts closed within 90 days after opening Escheat/Abandoned Account Notice from opening. A transfer to another CNB location is not a closure. ▪ CNB reserves the right to assess a fee to its depositors to pass through some or all of the fees provided by law assessed to CNB by government agencies and government-sponsored entities. The fee may vary and will appear on a statement as "Assessment Fee." ▪ Any Federal Reserve Bank large item charge for processing a check of $2 (1 million or more may be assessed. ▪ Any Internal Revenue Service charge for failing to provide an account taxpayer identification number may be passed through as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts abovea charge to the account or charged to you directly or to any other account of yours with us. Foreign Check Deposited International outgoing collection $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]City National Bank does business in the state of Florida as CN Bank.

Charges and Fees. Account Research/Reconcilement Fee $50 per hour, 1 hour minimum Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Account Maintenance Fees Charges and Fees Setup Fee $500 minimum or higher per setup – Accounts 1 – 10 $21 per account per month Accounts 11 – 50 $19 per account per month Accounts 51 – 150 $15 per account per month Accounts 151+ $13 per account per month Other Services ACH credits - incoming $0.50 per item ACH debits - incoming $0.20 per item Checks deposited $0.15 per item Checks paid $0.20 per item Coin deposited $0.0062 per $1 Coin furnished $0.13 per roll Currency deposited $0.0013 per $1 Currency furnished $0.0013 per $1 Deposits $1.25 each SERVICE FEES account, or assessed through the Account Analysis System to be covered by your account balances if your account has been set up as an analyzed personal account. Excessive Transactions Fee See Transaction Limitation for Savings and Money Market Accounts above. $15 per transaction Charges and Fees Foreign Check Deposited Account Research/Reconcilement Fee $50 per hour, 1 hour minimum International outgoing collection See also Collections above. $100 ATM/Check Card Expedited Processing Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Check Amount [U.S. Dollar (USD) Equivalent] $0 – $1,000 $25 Premium Checking and Green Savings) $1,001 – $25,000 $45 Expedited Card or PIN Delivery $25,001 – $100,000 $75 At our discretion, the following charges may be assessed directly to your negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 > $100,000 $100 Expedited processing available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Foreign Currency Service Non-Client Processing Fee $15 per transaction See Transaction Limitation occurrence Foreign Currency Denominated Deposit Account (non-interest bearing) Monthly Maintenance Fee $50 per account This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Gift Card Purchase Fee $3 per card Lost/Stolen Card Replacement Fee $6.95 per card Shipping and Handling Fee $2 per card Charges and Fees Inactivity Fee $4.95 per month Inactivity Fee is charged beginning the 13th month of no activity following card activation. Legal Process Fee $125 (Attachments, levies, garnishment, subpoenas, etc.) Legal Review of Documents $300 per hour or at cost, if higher 1 hour minimum Multiple Signature Requirement $7 per month per account Multiple signature requirements apply only to checks (excluding checks that are converted to an electronic item) and withdrawals or transfers made in person. Overdraft (OD/NSF) Fees Basic OD/NSF Fee Paid or returned debits $37 per debit Maximum daily OD/NSF fees $185 per day If, after all items have been posted at the end of the day, the account is overdrawn by less than $5, we will not assess the applicable NSF/OD fee. Continuous Overdraft Fee $5 per Business Day Assessed beginning the 5th Business Day the account is overdrawn. Charged for an overdrawn balance of $10 or more; not charged for the day of repayment. Accounts Overdrawn 60 days or more At the discretion of CNB, the higher of $5 per Business Day or CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and published as its "prime rate." Overdraft (OD/NSF) Fees - Analyzed Accounts Overdraft (OD/NSF) Fee Paid or returned debits $37 per debit Maximum daily NSF/OD fees $185 per day Interest on Overdrafts and CNB's prime rate Uncollected Funds plus 4% on (accrues daily)4 365-day year, 10% per annum minimum Personal Savings Overdraft Service Transfer Fee $10 per transfer Photocopy Fee for Canceled Checks $5 per copy Clients may receive two (2) check photocopies that include the front and back of a check at no charge, per monthly statement cycle. Research Fee (includes check reclamation $50 per hour, crime reports, legal records, and other requests) 1 hour minimum $1 per copy Retirement Account Termination or $50 Transfer Fee Safe Deposit Box Drilling fee Cost +$30 Duplicate key $15 Late or no show for locksmith appointment Cost +$30 Late payment > 15 days $10 Manual payment processing $12.50 Charges and Fees Rental fee (refer to box agreement) Based on box size Signature Guarantee - Standard $10 per signature Signature Guarantee - Medallion $15 per signature Special Handling For posted or non-posted items without Positive Pay First 30 days No charge After 30 days $2 per item reviewed After 60 days $2 per item reviewed, plus $75 per month or portion thereof Statements Electronic Statements No charge Statement and check images available through City National Online Paper Statement without Check Images Check images available through City National Online Green Savings Account $5 per month All other Accounts No charge Paper Statement with Check Images Fee is charged even if minimum or average balance requirements are met. Image fees are not applicable to Money Market Accounts aboveAccounts. Foreign Check Deposited International outgoing collection Standard check image fee is not applicable to the Personal Checking Account in New York. Standard check images $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar 2 per month (18 images per page, front image only) Large check image (12 images per page, front image only) 50 check images or fewer $2 per month 51 – 249 check images $2.50 per month 250 or more check images $5 per month Enhanced check images (12 images per page, front and back images) 50 check images or fewer $3 per month 51 – 249 check images $5 per month 250 or more check images $10 per month Other Statement Options Duplicate (past cycles) $6 per statement Duplicate (recurring) $4 per statement Instant statement $4 per statement Interim statement cut-off $5 per statement Multiple statements per month $5 per month Undeliverable statement $2.50 per month Stop Payments 6-month term $30 Renewal, 6-month term $30 Post-dating hold fee $30 2-year term $40 Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified Setup $50 Annual fee $20 Accepted stop payment request - $20 CNB Cashier's check Charges and Fees Verification of Deposit $20 (Including written balance confirmations and credit ratings) Wire Transfers Domestic Incoming $15 Domestic Outgoing Internet-initiated (USD) Equivalent]Non-repetitive $12 Book Transfer $5  Any Internal Revenue Service charge for failing to provide an account taxpayer identification number may be passed through as a charge to the account or charged to you directly or to any other account of yours with us.

Charges and Fees. Charges and Fees Overdraft (OD/NSF) Fees - Analyzed Accounts Overdraft (OD/NSF) Fee Paid or returned debits $37 per debit $0 – $1,000 $25 $1,001 – $25,000 $45 $25,001 – $100,000 $75 > $100,000 $100 Expedited processing available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Foreign Currency Service Non-Client Processing Fee $15 per occurrence Foreign Currency Denominated Deposit Account Research(non-interest bearing) Monthly Maintenance Fee $50 per account This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Gift Card Purchase Fee $3 per card Lost/Reconcilement Stolen Card Replacement Fee $6.95 per card Shipping and Handling Fee $2 per card Inactivity Fee $4.95 per month Inactivity Fee is charged beginning the 13th month of no activity following card activation. Legal Process Fee $125 (Attachments, levies, garnishment, subpoenas, etc.) Legal Review of Documents $300 per hour or at cost, if higher 1 hour minimum Multiple Signature Requirement $7 per month per account Multiple signature requirements apply only to checks (excluding checks that are converted to an electronic item) and withdrawals or transfers made in person. Overdraft (OD/NSF) Fees Basic OD/NSF Fee Paid or returned debits $37 per debit Maximum daily OD/NSF fees $185 per day If, after all items have been posted at the end of the day, the account is overdrawn by less than $5, we will not assess the applicable NSF/OD fee. Continuous Overdraft Fee $5 per Business Day Assessed beginning the 5th Business Day the account is overdrawn. Charged for an overdrawn balance of $10 or more; not charged for the day of repayment. Accounts Overdrawn 60 days or more At the discretion of CNB, the higher of $5 per Business Day or CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and published as its "prime rate." Maximum daily NSF/OD fees $185 per day Interest on Overdrafts and CNB's prime rate Uncollected Funds plus 4% on (accrues daily)9 365-day year, 10% per annum minimum Personal Savings Overdraft Service Transfer Fee $10 per transfer Photocopy Fee for Canceled Checks $5 per copy Clients may receive two (2) check photocopies that include the front and back of a check at no charge, per monthly statement cycle. Research Fee (includes check reclamation $50 per hour, crime reports, legal records, and other requests) 1 hour minimum Transactions conducted at a CNB ATM $1 per copy Retirement Account Termination or $50 Transfer Fee Safe Deposit Drilling fee Cost +$30 Duplicate key $15 Late or no show for locksmith appointment Cost +$30 Late payment > 15 days $10 Manual payment processing $12.50 Rental fee (refer to box agreement) Based on box size Signature Guarantee - Standard $10 per signature Signature Guarantee - Medallion $15 per signature Special Handling For posted or non-posted items without Positive Pay First 30 days No charge NonAfter 30 days $2 per item reviewed After 60 days $2 per item reviewed, plus $75 per month or portion thereof Statements Electronic Statements No charge Statement and check images available through City National Online Paper Statement without Check Images Check images available through City National Online Green Savings Account $5 per month All other Accounts No charge Paper Statement with Check Images Fee is charged even if minimum or average balance requirements are met. Image fees are not applicable to Money Market Accounts. Standard check image fee is not applicable to the Personal Checking Account in New York. Standard check images $2 per month (18 images per page, front image only) Large check image (12 images per page, front image only) 50 check images or fewer $2 per month 51-CNB ATM Withdrawal 249 check images $2.50 per withdrawal month 250 or more check images $5 per month Enhanced check images (waived for Personal Checking Plus12 images per page, Premium Checking front and Green Savingsback images) Expedited Card 50 check images or PIN Delivery fewer $3 per month 51-249 check images $5 per month Charges and Fees 250 or more check images $10 per month Other Statement Options Duplicate (Card past cycles) $6 per statement Duplicate (recurring) $4 per statement Instant statement $4 per statement Interim statement cut-off $5 per statement Multiple statements per month $5 per month Undeliverable statement $2.50 per month Stop Payments 6-month term $30 Renewal, 6-month term $30 Post-dating hold fee $30 2-year term $40 Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified Setup $50 Annual fee $20 Accepted stop payment request - $20 CNB Cashier's check Verification of Deposit $20 (Including written balance confirmations and PIN must be delivered separatelycredit ratings) Card delivery Wire Transfers Domestic Incoming $25 PIN delivery 15 Domestic Outgoing Internet-initiated (USD) Non-repetitive $12 Book Transfer $5 Non-Internet Initiated Drawdown/Reverse $15 Non-repetitive $35 Repetitive $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients Incoming $15 International Outgoing Internet-initiated (Only with an item drawn on CNBForeign Currency $20 or USD) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts Internet Initiated Non-repetitive - Foreign Currency $50 Non-repetitive - USD $55 Repetitive - Foreign Currency $40 Repetitive - USD $45 Wire Principal Protection Service $25 Available for limited currencies only) Collections . Wire Investigation Domestic incoming/outgoing Wire $30 International (clean) incoming/outgoing Wire $100 International courier Foreign Check 40 Includes amendments, recalls and tracers. Additional charges may apply due to charges incurred by CNB when conducting the investigation. Wire Notification Fax $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee 6 Telephone $12 ADDITIONAL INFORMATION ACCOUNTS ESTABLISHED ONLINE The required initial deposit and the international courier fee. Fees imposed by the paying bank other account terms and conditions may vary when accounts are established online and may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum waived or higher per setup – negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy varied at the discretion of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above. Foreign Check Deposited International outgoing collection $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]CNB.

Charges and Fees. Account Research/Reconcilement Fee $50 per hour, 1 hour minimum Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks Service maintenance $10 Checks purchased by nonper access code per month Payments Online $2 per transaction Touch-clients tone $15 4 per transaction Reversals (Only with an item drawn on CNBBank-assisted) $20 Receipts Via mail $3 per receipt Via facsimile $3 per receipt Reports Monthly recap report $10 per report Quarterly recap report $12 per report Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum or higher per setup – negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposit Corrections $3.50 Deposit Courier/Armored Carrier Service Cost +15% Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above. Foreign Check Deposited International outgoing collection $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]

Charges and Fees. Charges and Fees Overdraft (OD/NSF) Fees - Analyzed Accounts Overdraft (OD/NSF) Fee Paid or returned debits $37 per debit $0 – $1,000 $25 $1,001 – $25,000 $45 $25,001 – $100,000 $75 > $100,000 $100 Expedited processing available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Foreign Currency Service Non-Client Processing Fee $15 per occurrence Foreign Currency Denominated Deposit Account Research(non-interest bearing) Monthly Maintenance Fee $50 per account This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Gift Card Purchase Fee $3 per card Lost/Reconcilement Stolen Card Replacement Fee $6.95 per card Shipping and Handling Fee $2 per card Inactivity Fee $4.95 per month Inactivity Fee is charged beginning the 13th month of no activity following card activation. Legal Process Fee $125 (Attachments, levies, garnishment, subpoenas, etc.) Legal Review of Documents $300 per hour or at cost, if higher 1 hour minimum Multiple Signature Requirement $7 per month per account Multiple signature requirements apply only to checks (excluding checks that are converted to an electronic item) and withdrawals or transfers made in person. Overdraft (OD/NSF) Fees Basic OD/NSF Fee Paid or returned debits $37 per debit Maximum daily OD/NSF fees $185 per day If, after all items have been posted at the end of the day, the account is overdrawn by less than $5, we will not assess the applicable NSF/OD fee. Continuous Overdraft Fee $5 per Business Day Assessed beginning the 5th Business Day the account is overdrawn. Charged for an overdrawn balance of $10 or more; not charged for the day of repayment. Accounts Overdrawn 60 days or more At the discretion of CNB, the higher of $5 per Business Day or CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and published as its "prime rate." Maximum daily NSF/OD fees $185 per day Interest on Overdrafts and CNB's prime rate Uncollected Funds plus 4% on (accrues daily)9 365-day year, 10% per annum minimum Personal Savings Overdraft Service Transfer Fee $10 per transfer Photocopy Fee for Canceled Checks $5 per copy Clients may receive two (2) check photocopies that include the front and back of a check at no charge, per monthly statement cycle. Research Fee (includes check reclamation $50 per hour, crime reports, legal records, and other requests) 1 hour minimum Transactions conducted at a CNB ATM $1 per copy Retirement Account Termination or $50 Transfer Fee Safe Deposit Drilling fee Cost +$30 Duplicate key $15 Late or no show for locksmith appointment Cost +$30 Late payment > 15 days $10 Manual payment processing $12.50 Rental fee (refer to box agreement) Based on box size Signature Guarantee - Standard $10 per signature Signature Guarantee - Medallion $15 per signature Special Handling For posted or non-posted items without Positive Pay First 30 days No charge Non-CNB ATM Withdrawal After 30 days $2 per item reviewed After 60 days $2 per item reviewed, plus $75 per month or portion thereof Statements Electronic Statements No charge Statement and check images available through City National Online Paper Statement without Check Images Check images available through City National Online Green Savings Account $5 per month All other Accounts No charge Paper Statement with Check Images Fee is charged even if minimum or average balance requirements are met. Image fees are not applicable to Money Market Accounts. Standard check image fee is not applicable to the Personal Checking Account in New York. Standard check images $2 per month (18 images per page, front image only) Large check image (12 images per page, front image only) 50 check images or fewer $2 per month 51 – 249 check images $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card month 250 or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose more check images $5 per bag Coin bag month Enhanced check images (12 images per page, front and back images) 50 check images or fewer $3 per month 51 – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per 249 check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum or higher per setup – negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposited Checks Returned Item Advice Special handling instructions images $5 per account month 250 or more check images $10 per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above. Foreign Check Deposited International outgoing collection $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]mont Other Statement Options

Charges and Fees. Account Research/Reconcilement Fee $50 per hour, 1 hour minimum Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks Service maintenance $10 Checks purchased by nonper access code per month Payments Online $2 per transaction Touch-clients tone $15 4 per transaction Reversals (Only with an item drawn on CNBBank-assisted) $20 Receipts Via mail $3 per receipt Via facsimile $3 per receipt Reports Monthly recap report $10 per report Quarterly recap report $12 per report Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum or higher per setup – negotiated Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposit Corrections $3.50 Deposit Courier/Armored Carrier Service Cost +15% Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above. Foreign Check Deposited International outgoing collection $100 See also Collections above. above Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]

Charges and Fees. Account Research/Reconcilement Fee $50 per hour, 1 hour minimum ATM/Debit Card Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Award Card Purchase Fee $3 per card Lost/Stolen Card Replacement Fee $6.95 per card Shipping and Handling Fee $2 per card Foreign Transaction Fee 3.0% of total transaction amount Maintenance Fee $3.95 per month Maintenance Fee is charged beginning the month after card expiration. Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Business Overdraft Line Transfer Fee $10 per transfer Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) CityTaxSM Setup fee8 $20 per setup Service maintenance $10 per access code per month Payments Online $2 per transaction Touch-tone $4 per transaction Reversals (Bank-assisted) $20 Receipts Via mail $3 per receipt Via facsimile $3 per receipt Reports Monthly recap report $10 per report Quarterly recap report $12 per report Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup Fee $500 minimum or higher per setup – negotiated Charges and Fees Legal Review $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposit Corrections $3.50 Deposit Courier/Armored Carrier Service Cost + 30% Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again $12 returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above. Foreign Check Deposited International outgoing collection $100 See also Collections above. above Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]] $0–$1,000 $25 $1,001–$25,000 $45 $25,001–$100,000 $75 > $100,000 $100 Expedited processing available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Foreign Currency Service Non-Client Processing Fee $15 per occurrence Foreign Currency Denominated Deposit Account (non-interest bearing) Monthly Maintenance Fee $50 per account This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Gift Card Purchase Fee $3 per card Lost/Stolen Card Replacement Fee $6.95 per card Shipping and Handling Fee $2 per card Inactivity Fee $4.95 per month Inactivity Fee is charged beginning the 13th month of no activity following card activation. Legal Process Fee $125 (attachments, levies, garnishment, subpoenas, etc.) Legal Review of Documents $300 per hour or cost, if higher 1 hour minimum Multiple Signature Requirement $7 per month per account Multiple signature requirements apply only to checks (excluding checks that are converted to an electronic item) and withdrawals or transfers made in person. Fee does not apply to IOLTA or Non- Profit accounts. Night Depository Annual Fee $40 Night deposit bags (disposable) $55 per box of 200 Charges and Fees Overdraft (OD/NSF) Fees - Non-Analyzed Accounts Basic OD/NSF Fee Standard check images (18 images per page, front image only) Charges and Fees Paid or returned debits $25 per debit Maximum daily OD/NSF fees $250 per day Accounts Overdrawn 60 days or more At the discretion of CNB, CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and published as its "prime rate." Overdraft (OD/NSF) Fees - Analyzed Accounts Overdraft (OD/NSF) Fee Paid or returned debits $25 per debit No maximum Interest on Overdrafts and CNB's prime rate Uncollected Funds plus 4% on 365- (accrues daily)9 day year, 10% per annum minimum Photocopy Fee for Canceled Checks $5 per copy Clients may receive two (2) check photocopies that include the front and back of a check at no charge, per monthly statement cycle. QuickBooks® Direct Connect Basic Service (Account activity $19.95 per month and transfers) First 10 accounts No charge Each account over 10 $2 account Basic Service with Bill Payment $29.95 per month First 10 accounts No charge Each account over 10 $2 account First 20 payments No charge Each additional payment $0.50 per payment Research Fee (includes check $50 per hour, reclamation, crime reports, legal records, 1 hour minimum and other requests) $1 per page Safe Deposit Drilling fee Cost +$30 Duplicate key $15 Late or no show for locksmith Cost +$30 appointment Late payment > 15 days $10 Manual payment processing $12.50 Rental fee (refer to box agreement) Based on box size Signature Guarantee - Standard $10 per signature Signature Guarantee - Medallion $15 per signature Special Handling For posted or non-posted items without Positive Pay First 30 days No charge After 30 days $2 per item reviewed After 60 days $2 per item reviewed, plus $75 per month or portion thereof Statements Paper Statement without Check Images Business or Consumer Accounts No charge Paper Statement with Check Images Fee is charged even if minimum or average balance requirements are met. Image fees are not applicable to Money Market, IOLTA, Bankruptcy, or Non-Profit accounts.. Business Accounts No charge Large check image (12 images per page, front image only) 50 check images or fewer $2 per month 51–249 check images $2.50 per month 250 or more check images $5 per month Enhanced check image (12 images per page, front and back images) 50 check images or fewer $3 per month 51–249 check images $5 per month 250 or more check images $10 per month Other Statement Options Duplicate (past cycles) $6 per statement Duplicate (recurring) $4 per statement Instant statement $4 per statement Interim statement cut-off $5 per statement Multiple statements per month $5 per month Stop Payments 6-month term $30 Renewal, 6-month term $30 Post-dating hold fee $30 2-year term $40 Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified Setup $50 Annual fee $20 Accepted stop payment request - $20 Cashier's check Verification of Deposit $20 (Including written balance confirmations and credit ratings) Wire Transfers Domestic Incoming Analyzed Accounts $13 Non-Analyzed Accounts $15 Domestic Outgoing Internet-initiated Repetitive/Non-Repetitive $12 Internal Wire (Book Transfer) $5 Non-Internet Initiated Drawdown/Reverse $15 Non-repetitive $40 Repetitive $30 International Incoming Analyzed Accounts $14 Non-Analyzed Accounts Outgoing $15 International Outgoing Internet-initiated (Foreign Currency $20 or USD) Non-Internet Initiated Non-repetitive - Foreign Currency $55 Non-repetitive - USD $60 Repetitive - Foreign Currency $45 Repetitive - USD $50 Wire Principal Protection Service $25 Available for limited currencies only Wire Investigation Charges and Fees 7 City National E-Deposit moderate volume means generally no more than 15 electronic check deposits per week with no more Domestic Wire $30 International Wire $40 Includes amendments, recalls and tracers. Additional charges may apply due to charges incurred by CNB when conducting the investigation. Wire Notification Fax $6 Telephone $12 ADDITIONAL INFORMATION‌ ACCOUNTS ESTABLISHED ONLINE‌ The required initial deposit and other account terms and conditions may vary when accounts are established online and may also be waived or varied at the discretion of CNB. MISCELLANEOUS ASSESSMENTS‌ ▪ An Early Account Closure fee will be assessed to accounts closed within 90 days from opening. A transfer to another CNB location is not a closure. ▪ CNB reserves the right to assess a fee to its depositors to pass through some or all of the fees provided by law assessed to CNB by government agencies and government-sponsored entities. The fee may vary and will appear on a statement as "Assessment Fee." ▪ Any Federal Reserve Bank large item charge for processing a check of $1 million or more may be assessed. ▪ Any Internal Revenue Service charge for failing to provide an account taxpayer identification number may be passed through as a charge to the account or charged to you directly or to any other account of yours with us. City National Bank does business in the state of Florida as CN Bank. QuickBooks is a registered trademark of Intuit, Inc.

Charges and Fees. Account Research/Reconcilement Fee exclusively online. A personal City National checking account is required to qualify for this account. To open this account, please visit xxx.xxx. Balance Charges and Fees Required opening deposit $500 Average daily balance1 $1,000 No monthly maintenance fee With automatic savings plan of No monthly $50 or more per hour, 1 hour minimum month maintenance fee If average daily balance is not met $4 monthly for the statement period and no maintenance fee automatic savings plan of $50 or more per month Paper statement fee4 $5 per month (no charge for electronic statements) The number of withdrawal transactions allowed from a money market account is limited. See the Account Agreement and Disclosures for "Limits on Transfers and Withdrawals." This account does not allow for payments or withdrawals by check. Withdrawals may be made at an ATM using your City National ATM or Visa® Check Card. CNB will waive our fee on withdrawals made at non-CNB ATMs. CNB will pay all reasonable surcharges assessed by non-CNB ATM operators up to a maximum of $20 per statement cycle. Amounts in excess of these limits will be charged to the account. Please note that the ATM/Check Card International Transaction Fee is not a surcharge and is not included in the waiver of surcharges. ACCOUNT ANALYSIS The following fees are assessed to an account that has been set up as an analyzed personal account. Transactions conducted at a CNB ATM No charge Non-CNB ATM Withdrawal $2.50 per withdrawal (waived for Personal Checking Plus, Premium Checking and Green Savings) Expedited Card or PIN Delivery (Card and PIN must be delivered separately) Card delivery $25 PIN delivery $25 International Transaction Fee 3.0% of transaction amount Bond Collection Fee $30 Branch Deposit Surcharge Coin bag – loose $5 per bag Coin bag – rolled $7.50 per bag Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $30 International (clean) incoming/outgoing $100 International courier Foreign Check $35 each or cost, if higher Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Account Maintenance Fees Charges and Fees Setup Fee $500 minimum or higher per setup – negotiated Legal Review Accounts 1 – 10 $300 per hour, 1 hour minimum Monthly maintenance $100 per account Deposited Checks Returned Item Advice Special handling instructions $5 21 per account per month Fax notification Accounts 11 – 50 $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account Notice $2 (as permitted by law) Excessive Transactions Fee 19 per account per month Accounts 51 – 150 $15 per transaction See Transaction Limitation for Savings and Money Market account per month Accounts above. Foreign Check Deposited International outgoing collection 151+ $100 See also Collections above. Expedited Processing Check Amount [U.S. Dollar (USD) Equivalent]13 per account per month Other Services ACH credits - incoming $0.50 per item ACH debits - incoming $0.20 per item Checks deposited $0.15 per item Checks paid $0.20 per item Coin deposited $0.0062 per $1 Coin furnished $0.13 per roll Currency deposited $0.0013 per $1 Currency furnished $0.0013 per $1 Deposits $1.25 each SERVICE FEES At our discretion, the following charges may be assessed directly to your account, or assessed through the Account Analysis System to be covered by your account balances if your account has been set up as an analyzed personal account.