Oconee State Bank

COMMERCIAL LENDING WITH OCONEE STATE BANK

Specializing in commercial loans, Oconee State Bank is committed and ready to fulfill your needs when it comes to jump starting or expanding your business.

COMMERCIAL LENDING FEATURES FEATURES: BUSINESS EXPANSION DECISIONS MADE LOCALLY SHORT OR LONG-TERM FINANCING REFURBISH INVESTMENT PROPERTY COMPETITIVE RATES & TERMS

Oconee State Bank

!

In the early 1900s, there were banks in all the small towns of Oconee County…Bishop, Bogart, In the early 1900s, there were banks in all the small towns of Oconee County…Bishop, Bogart, Eastville, Eastville, Farmington, and Watkinsville. When the Great Depression came along in 1929, all of Farmington and Watkinsville. When the Great Depression came along in 1929, all of those bank failed and those banks failed and Oconee County was without a bank for the next 30 years. Farmers and Oconee County was a bank for the next 30 years.

Farmers and small merchants had to travel to small merchants hadwithout to travel to Athens for their banking needs.

Athens for their banking needs.

In 1958, a group leaders recognized the need for ainbank in County Oconee In 1958, a groupofofcommunity community leaders recognized the need for a bank Oconee andCounty started and a started theofprocess of necessary obtainingapproval the necessary a state chartered community bank. process geOng the for a stateapproval charteredfor community bank. In 1959, they announced In 1959, they announced the FDIC had approved a community Oconee State Bank opened that the FDIC had approved a community bank and Oconee State Bankbank. opened its doors for business on its doors for business on February 1, 1960 with 3 employees and a small corner office on February 1, 1960 with 3 employees and a small corner office on Main Street in downtown Watkinsville.

Main Street in downtown Watkinsville.

Since 1960, Oconee State Bank has grown tremendously with 4 branches spread out through Oconee, Since 1960, Oconee State BankWe has grown remarkably locations across Oconee, Athens, and Clarke, and GwinneU counVes. have proudly provided anwith unparalleled commitment to personalized Gwinnett counties.

We have proudly provided an unparalleled commitment to personalized service, value-added products, and a deep sense of responsibility to the communiVes we serve. As partservice, of value-added products, anda a deep sense to are thecommiUed communities we serve.

Withand an eye your community, we take personal interestofinresponsibility your success and to helping you reach to the future, asEntrusVng part of your community, take personal interest your success are exceed yourand goals.

Oconee State Bankwe with youra personal and businessinfinancial services and means committed to helping youareach and exceed your Entrusting Oconee Bank surrounding yourself with team of professionals whogoals. respond quickly to your needsState and have allwith the your personal andyou business financial services means surrounding yourself with a team of professionals resources need to thrive. who respond quickly to your needs and have all the resources you need to thrive.

Experience Remarkable

Our Vision To be essential to the lives, businesses and communities we serve

Our Mission To create remarkable experiences that significantly mark the lives of others

Our Values Stewardship: The privilege and responsibility of wisely shepherding our resources Unity: Believing the best in, Expecting the best from, seeking the best for, and Telling the best about each other Collaboration: A culture of teamwork Community: Partnering with our communities through local ownership, involvement and decision-making Excellence: Exceptional performance with a long-term perspective Service: Consistently creating remarkable service experiences for our customers Solutions: Empowering our team members to deliver solutions

OCO NEE STAT E BA N K

ONLINE BANKING & BILL PAY Our online banking services give you immediate access to your accounts anytime, anywhere so that you can be wherever your business takes you. With access to real-time balances, bill pay, check images and statements, account transfers, alerts and integration with

BUSINESS MOBILE DEPOSIT

A solution for commercial customers to make check deposits conveniently and securely through our Mobile Banking app or our Commercial Remote Deposit app, using a mobile device.

REMOTE DEPOSIT

Streamline deposit preparation while reducing processing and transportation costs with Remote Deposit. No more writing out deposit slips, trips to a financial center, or waiting in line. Take advantage of extended deposit cutoff times and scan checks with convenience.

WIRE INITIATION Wire transfers are a fast way to send funds between financial institutions for credit to another account.

Conveniently initiate outgoing domestic wires through Commercial Cash Management. International wire transfers must be initiated through your Financial Center, Business Banker, or Central Wire Desk.

ACH ORIGINATION SERVICES Utilize our ACH Origination services to create your direct deposit payroll for your employees, collect invoices, draft monthly fees from your customers, and pay your vendors.

POSITIVE PAY Utilize Positive Pay to reduce the risk of loss from check fraud. Peace of mind is at your fingertips! eSTATEMENTS Access your account statements anytime through our secure Online Banking Electronic Statement Portal.

Statements can be securely retained for easy access.

Opt in to be notified the moment your statement is generated. eStatements can be combined with our other digital services bettering the environment by reducing paper waste.

MERCHANT SERVICES customizable payment solutions for your business.

Whether you process a handful of transactions payment processing options to meet your needs. Let your business.

LOANS & LINES OF CREDIT Whether you are just getting started or looking to expand, we can provide loan solutions that not only local approvals, low closing costs, short or long-term

SBA LOANS Our partnership with the U.S. Small Business Administration allows us to offer the financing you need to achieve your goals. Both startups and established businesses can benefit from these loan programs with flexible options to grow your business.

CREDIT CARDS Our business credit cards offer you convenience and worldwide acceptance, giving you the ability to purchase what you need, when you need it.

We offer credit cards designed with the needs of the business owner in mind. We offer two product options: Platinum Card with Cash Back Rewards and the Platinum Benefits Card.

PURCHASING CARDS The Oconee State Bank Purchase Card can streamline your accounts by putting them all under one roof. The purchase card allows clients the ability to improve efficiency, reduce costs, and have greater visibility into expenses and procurement all while earning a cash back rebate on all purchases.

FINANCIAL PLANNING Ready to put your business earnings to work for the long term? Our Financial Services team is here to offer personalized assistance in the areas of establishing and supporting company 401k plans, life insurance and other investment products.

OCONEE STAT E BAN K OCONEE STAT E BAN K

Business Checking & Savings Solutions Business Checking & Savings Solutions

OC O NEE STAT E BA NK OC O NEE STAT E BA NK

ing & Savings Solutions ing & Savings Solutions

SMALL BUSINESS CHECKING SMALL BUSINESS CHECKING

Free debit card, online banking and bill pay, CHECKING FreeCOMMERCIAL debit card, online banking (ANALYSIS) and bill pay, eStatements, and telephone banking COMMERCIAL CHECKING (ANALYSIS) eStatements, and telephone banking Free debit$50 card, online banking and bill pay, opening deposit Free debit card, online banking and bill pay, $50 opening deposit eStatements, and telephone banking No minimum balance requirement eStatements, andservice telephone No minimum balance requirement opening deposit $10$50 monthly fee banking $10$50 monthly service fee opening deposit No minimum balance requirement

150 $3 No minimum balance requirement $15$.25 monthly service fee $.25 150 $3 $15 monthly service fee

COMMERCIAL CHECKING (ANALYSIS) COMMERCIAL CHECKING (ANALYSIS)

Free debit card, online banking and bill pay, SMALL BUSINESS CHECKING PERFORMANCE BUSINESS CHECKING Free debit card, online banking and bill pay, eStatements, and telephone banking SMALL BUSINESS CHECKING PERFORMANCE BUSINESS CHECKING eStatements, andbanking telephone Free debit card, online banking and Free debit card, online andbanking bill bill pay,pay $50 opening deposit Free debit card, online banking and Free debit card, online banking and bill bill pay,pay $50 opening deposit eStatements, and telephone banking eStatements, and telephone banking No minimum balance requirement eStatements, and telephone eStatements, and telephone banking No minimum balance requirement 1 $50 opening deposit $15 monthly service feebanking $50 opening deposit 1 $15 monthly service fee $50 opening deposit $50 opening deposit $10,000 minimum balance requirement No minimum balance requirement

$.50 $.15 $.50 $.15

$.15 $.50 $.50 $.15

$3 $3

2

250 $3 $.25 150 $3 $.25 250 $.25 150 $.25 $3$3

Fee

3

per $1,000 This account is non-interest2 bearing Per item fee Cash deposit fee Paper Statement Fee 3 1 This account is non-interest bearing per $1,000 With basic access to commercial cash management. This fee will

increase if enrolled in other commercial cash management services 1 basic access to commercial cash management. fee willitems ItemsWith include deposits, deposited items, checks paid, and This electronic 3 increase if enrolled other commercial cash management services Enroll inineStatements to avoid monthly fee 2 Items include deposits, deposited items, checks paid, and electronic items 3 Enroll in eStatements to avoid monthly fee

2 Enroll in eStatements to avoid monthly fee any day of the statement cycle This account is non-interest bearing 1 Items deposits, deposited checks paid, andfalls electronic itemsitems 2 include Service fee will only be applied ifitems, account balance $10,000 Items include deposits, deposited paid, andbelow electronic Some account fees may beitems, offset bychecks the Earnings Credit.

2 Enroll to avoid monthly fee any day of the statement cycle 3 in eStatements Enroll in eStatements to avoid monthly fee This account is bearing 2 Itemsaccount include deposits, deposited items, paid, and Credit. electronic items Some fees may benon-interest offset bychecks the Earnings Earnings Credit3Enroll – Thisinaccount features an earnings eStatements to avoid monthly fee credit This account is non-interest bearing

1

which is This applied to reduce or eliminate fees ontiers the account. account is interest bearing.

Interest ascredit follows: Earnings Credit – This account features an earnings Ifwhich the earnings credit exceeds the fees for any period, you will Up to $9,999 | $10,000 $49,999 is This applied to reduce or eliminate fees on the account. account is interest bearing.

Interest tiersforward, as follows: be assessed no fees, but you will paid, carry or $50,000-$99,999 | be $100,000 and up you will If the earnings credit exceeds the|not fees for any period, Up to $9,999 $10,000 -earnings $49,999 otherwise receive credit for any excess credit. be assessed no fees, but you will not be paid, carry forward, or

COMMERCIAL SAVINGS

This account is non-interest bearing COMMERCIAL Some account fees may be offsetSAVINGS by the Earnings Credit.

Savings Solutions

& $50 opening deposit Some account fees may be offset by the Earnings Credit. & Savings EarningsSolutions Credit – This account features an earnings credit $50 opening deposit

$50,000-$99,999 | $100,000 and up

$200 minimum balance requirement

which is applied to reduce or eliminate fees on the account.

Earnings Credit – This account features an earnings credit $200 minimum balance requirement 1 any period, you will Ifwhich the earnings credit exceeds the fees for $5 service fee is applied to reduce or eliminate fees on the account. be assessed nocredit fees, but you will befor paid, forward, or 1 anycarry If the earnings exceeds thenot fees period, you will $5 service fee otherwiseno receive credit earnings credit. or COMMERCIAL CHECKING (ANALYSIS) be assessed fees, but youfor willany notexcess be paid, carry forward,

$0 $0

otherwise receive credit for any excess earnings credit.

COMMERCIAL CHECKING (ANALYSIS)

Earnings Credit Calculation – The earnings credit is calculated by Free debit card, banking and Per item feeonline over 6 Paper Statement Fee bill pay, taking the average collected balance, less the reserve by during statement Earnings Credit Calculation – The earnings credit is calculated Per item feeonline overthe 6 Federal Free debit card, banking and bill pay, Paper Statement Feemultiplying requirement imposed by Reserve and cycle eStatements, and telephone banking taking the average collected balance, less the reserve during statement it by the index, which is defined as the prior month-end requirement imposed by the ifFederal Reserve and multiplying cycle eStatements, and banking Service fee Treasury will only be applied account balance fallsinbelow 13 week Bill ratetelephone as published The$200 Wall $50 opening deposit it by the index, which is defined as the prior month-end any day of the statement cycle Street Journal.

The periodic earnings credit rate Service fee will only be applied if account balance falls below $200 week Treasury Bill rate as published in The $50 any opening deposit Items13 include withdrawals, automatic or preauthorized transfer, ATMWall withdrawal, day ofchange the statement cycle No minimum balance requirement or index may ataccount any time. or anyThe payment out of this Street Journal. periodic earnings credit rate Items include withdrawals, automatic or preauthorized transfer, ATM withdrawal, No minimum balance requirement or index may change ataccount any time. 1 ormonthly any payment out of this $15 service fee $15 monthly service fee1 2 2

1

2 2

$.15 $.50 $.50 $.15

$3 $3

increase if enrolled in other commercial cash management services 1 basic access to commercial cash management. fee willitems ItemsWith include deposits, deposited items, checks paid, and This electronic 3 increase if enrolled other commercial cash management services Enroll inineStatements to avoid monthly fee 2 Items include deposits, deposited items, checks paid, and electronic items 3 Enroll in eStatements to avoid monthly fee 2

This account is non-interest bearing

This account is non-interest bearing Some account fees may be offset by the Earnings Credit.

Some account fees may be offset by the Earnings Credit.

Earnings Credit – This account features an earnings credit which is applied reduce or eliminate on the account.

Earnings Credit to – This account featuresfees an earnings credit Ifwhich the earnings credit exceeds the fees for any period, you will is applied to reduce or eliminate fees on the account. be assessed no fees, but you will not be paid, carry forward, or If the earnings credit exceeds the fees for any period, you will otherwise receive credit for any excess earnings credit. be assessed no fees, but you will not be paid, carry forward, or

otherwise receive credit for anyMONEY excess earnings credit.

COMMERCIAL MARKET COMMERCIAL SAVINGS Earnings Credit Calculation – The earnings credit is calculated by taking the Calculation average collected balance, less the reserve by COMMERCIAL MONEY MARKET Earnings Credit – The earnings credit is calculated COMMERCIAL SAVINGS requirement imposed by the Federal Reserve and multiplying taking the average collected balance, less the reserve it by the index, which defined as Reserve the prior month-end PERFORMANCE BUSINESS CHECKING requirement imposed byisthe Federal and multiplying 13the week Treasury Bill rate as published inmonth-end The Wall it by index, which is defined as the prior PERFORMANCE BUSINESS CHECKING Street The 13 weekJournal.

Treasury Billperiodic rate as earnings publishedcredit in Therate Wall1 1time. or index may change at any Street Journal. The periodic earnings credit rate 1 or index may change at any1time.

opening deposit $50$50 opening deposit $50 opening deposit $50 opening deposit $1,000 minimum balance requirement $200 minimum balance requirement Free debit card, online banking and $1,000 minimum balance requirement $200 minimum balance requirement $10 service feebill pay, $5monthly service fee Free debit card, online banking eStatements, and telephone banking $10 serviceand feebill pay, $5monthly service fee eStatements, and telephone $50 opening deposit banking Per item fee over 6 deposit Paper Statement Fee $50 Per item fee opening over 6 balance Paper Statement Fee $10,000 minimum requirement during statement duringPer statement item fee over 6 Paper Statement Fee cycle Other bank rules and regulations apply Per item fee over 6 Paper Statement Fee $10,000 minimum balance requirement 1 cycle during statement $15 monthly service fee during statement Other bank rules and regulations apply cycle Service feecycle will only be applied if account balance falls 1 below $1,000 Service fee will onlymonthly be applied if account balance falls below $200 $15 service fee any day of the statement cycle

$5 $1.50 $5 $1.50 2

3

1

250 250 1

2

2 2

$.25 $.25

$0 $0 $0$0

$3 $3

1 the statement cycle Service fee willany onlyday beof applied if account balance falls below $1,000 1 2 Service fee will only be applied if account balance falls below $200 include withdrawals, preauthorized ATM withdrawal, anyautomatic dayor ofpreauthorized theorstatement cycle transfer, Items Items include withdrawals, automatic transfer, ATM withdrawal, any day the statement cycle anyof payment of this account or any or payment out oforout this account 2 Items include withdrawals, automatic preauthorized transfer, ATM withdrawal, 2 Items includeitems withdrawals, automatic or preauthorized transfer, withdrawal, Allowable PaperATM Statement Fee 3 Perany transaction above payment this account or any or payment out of out this of account 2

Other bank regulations apply Per item fee rules and Cash deposit fee Paper Statement Fee per $1,000 2 Other bank regulations apply Per item fee rules and Cash deposit fee Paper Statement Fee 3 1 per $1,000 With basic access to commercial cash management. This fee will 2

1

2

This account is non-interest bearing

1

increase if enrolled in other commercial cash management services

With basic access to commercial cash management. fee willitems Items include deposits, deposited items, checks paid, Paper and This electronic Allowable items Paper Statement Per transaction above Allowable items Statement Fee2 Fee 3 Per transaction 3 increase if enrolled other commercial cashabove management services Enroll inineStatements 1 to avoid 2 monthly fee 2 150 250 Items includeitems deposits, deposited items, checks paid, and electronic Allowable Paperitems Statement Per transaction above Allowable items Paper Statement Fee2 Fee 3 Per transaction above 3 Enroll in eStatements1 to avoid monthly fee 2 1 This account is non-interest bearing 1 150 250 Items include deposited items, checks paid, andfalls electronic items Servicedeposits, fee will only be applied if account balance below $10,000

2

$1.50 $1.50

3

Per item fee 2 Cash deposit fee Paper Statement Fee 3 1 per $1,000 With basic access to commercial cash management. This fee will

2 Enroll in eStatements to avoid monthly fee Items include deposits, deposited items, checks paid, and electronic items Per item fee 2 Cash deposit fee Paper Statement 2 Enroll in eStatements to avoid monthly fee 1

$3 $3

$10,000 minimum balance requirement No minimum balance requirement $15 monthly service fee1 $10 monthly service fee Per item fee Cash deposit fee Paper Statement Fee $15 monthly service $10 monthly service feefee1 per $1,000

1

2 Per transaction above Paper Statement 1 Fee 1501 Per transaction above Allowable items Paper Statement Fee2 1 1 150 Items include deposits, deposited items, checks paid, and electronic items

Allowable items

Business C Business C

2 This account is interest Interest tiers as follows: 250bearing.

Allowable items Paper Statement Fee 3 Per transaction above 2 Upistointerest $24,999 | $25,000-$99,999 This account bearing.

Interest follows: 1 250 Service fee will only be applied if account balance falls tiers belowas $10,000 $100,000-$249,999 | $250,000 and up any day of the statement cycle Up to $24,999 | $25,000-$99,999 2 1Service fee will only be applied if account balance falls below $10,000 Items include deposits, deposited items, checks paid, and electronic items $100,000-$249,999 | $250,000 and up any day of the statement cycle 3

Enroll in eStatements to avoid monthly fee Items include deposits, deposited items, checks paid, and electronic items 3 Enroll in eStatements to avoid monthly fee

2

This account is interest bearing. Interest tiers as follows: Up to $9,999 | $10,000 - $49,999 This account is interest bearing. Interest tiers as follows: $50,000-$99,999 | $100,000 and up Up to $9,999 | $10,000 - $49,999 $50,000-$99,999 | $100,000 and up

COMMERCIAL MONEY MARKET COMMERCIAL MONEY MARKET

$50 opening deposit $50 opening deposit $1,000 minimum balance requirement

This account is non-interest bearing

Som

OCONEE STAT E BAN K Business Checking & Savings Solutions YSIS) CHECKING Checking & Savings Solutions OCONEE STAT PERFORMANCE E BAN K Business BUSINESS

Som

Earn PERFORMANCE BUSINESS CHECKING whic SAVINGS Free debitCOMMERCIAL card, online banking and bill pay, d bill pay, Earn If the COMMERCIAL CHECKING (ANALYSIS) SMALL BUSINESS CHECKING whic COMMERCIAL SAVINGS Free debit card, online banking and bill pay, d bill pay, be ass eStatements, and telephone banking anking

YSIS)

COMMERCIAL CHECKING (ANALYSIS) If the $50 opening deposit

SMALL BUSINESS CHECKING

Free debit card, online banking and bill pay,ot Free debit card, online banking and bill pay, be ass eStatements, and telephone anking $50 opening deposit Free debit banking card, online banking and bill pay, FreeeStatements, debit card, online bankingminimum and bill pay, $50 opening deposit eStatements, and telephone banking and telephone banking $200 balance requirement ot Earning eStatements, and telephone banking eStatements, and telephone banking $50 opening deposit $50 opening deposit $50 opening deposit $200 minimum balance requirement 1 requirement $10,000 minimum balance ment ta $5 service fee Earning $50 opening deposit $50 opening deposit No minimum balance requirement No minimum balance requirement requi 1 requirement $10,000 minimum balance mentNo minimum balance 1 ta $5 service fee $15 monthly service fee No minimum balance requirement requirement 1 it $15 monthly service fee $10 monthly service fee requib 1 1 $15 monthly service fee $15 monthly service fee $10 monthly service fee it b

150 $3 150 $3

$1.50 $0 $.15 $.25 $.50 $3 $1.50 $0 250 $3 $.25 $.15 $.25 $.50 $3 250 $.25 $3 Per item fee over 6

Paper Statement Fee

$3 $3

Per item fee 2 Per transaction above Cash deposit fee Paper Statement Fee 3 Paper Statement Fee2 during statement 1 150 per $1,000 Per Statement item feeFee over 6 3 Paper Statement 2 3 2 Allowable items Statement Fee atement Feeitems transaction above Per item fee Per transaction above Cash depositPaper fee Fee Paper Statement Fee 3 Allowable Paper cycle2Per 1 1 1 during statement 2 150 per $1,000 With basic access to commercial cash management.

This fee will Items include deposits, deposited items, checks paid, and electronic items 250 Allowable items

3 2Per transaction above increase if enrolled in Statement other commercialFee cash management services items Paper to avoid monthly fee atement Fee 3 2Enroll in eStatementsAllowable cycle 1 basic access to commercial cash management. fee willitems Items include deposits, deposited items, checks paid, fee and electronic items Service will only be applied if account balance falls below $200 items, ItemsWith include deposits, deposited checks paid, and This electronic 2 2 increase if enrolled other commercial cash management services 1 250 Enroll in eStatements to avoid monthly feewill only be applied if will Enroll inineStatements to avoid monthly fee Service fee account balance falls below $10,000 This account is non-interest bearing 1

2

1

3

2 any day of the statement cycle Items include deposits, deposited items, checks paid, and electronic items Service fee will only be applied if account balance below $200 to avoid monthly fee any day of the statement cycle falls3Enroll in eStatements 1 This account is2 Items non-interest bearing This account is non-interest bearing include withdrawals, automatic or preauthorized transfer, ATM withdrawal, 2 Service fee will only be applied account balance $10,000 Items include deposits, deposited items, checks paid, andbelow electronic items any day of ifthe statement cyclefalls or any payment out of this account account is non-interest bearing any day of the statement cycle This 3 2 Enroll in eStatements to avoid monthly fee Some account fees may be offset by the Earnings Credit.

Items include withdrawals, automatic or preauthorized transfer, ATM withdrawal, 2 Items include deposits, deposited items, checks paid, and electronic items or any payment out of this account Some account may be offset by the Earnings Credit.

3 Enroll in eStatements to avoidEarnings monthly fee fees Credit – This account features an earnings credit

ces will c items ces c items

1

which is applied to reduce or eliminate on the account.

This account is interest bearing. Interest tiers follows: COMMERCIAL SAVINGS Earnings Creditas – This account featuresfees an earnings credit If the earnings credit exceeds the fees for any period, you will Up to $9,999 | $10,000 - $49,999 which is applied to reduce or eliminate fees on the account.

COMMERCIAL SAVINGS be assessed no fees, but you will not be paid, carry forward, or This account is interest bearing. Interest tiers as follows:

edit.

If the earnings credit exceeds the fees for any period, you will $50 opening deposit $50,000-$99,999 | $100,000 and up receive credit earnings credit. or Up to $9,999 | $10,000 -otherwise $49,999 be assessed no fees, but youfor willany notexcess be paid, carry forward, $50 opening deposit edit. $200 minimum balance requirement otherwise receive credit for any excess earnings credit. $50,000-$99,999 | $100,000 and up credit Earnings Credit Calculation – The earnings credit is calculated by $200 minimum balance requirement 1 taking the Calculation average collected balance, credit less the reserve by MARKET $5 service feeCOMMERCIAL MONEY count.

Earnings Credit – The earnings is calculated credit requirement imposed by the Federal Reserve and multiplying 1 taking the average collected balance, less the reserve $5 service feeCOMMERCIAL MONEY you will it by theMARKET index, which is defined as the prior month-end

count. ward, or you will edit. or ward,

$1.50 $1.50

$50 opening deposit $0 $0 $50 opening deposit $1,000 minimum balance requirement

Per item fee over 6 Paper Statement Fee during statement Per item fee2 over 6 Paper Statement Fee cycle during statement 2 cycle 1 Service fee will only be applied if account balance falls below $200

requirement imposed by the Federal Reserve and multiplying 13the week Treasury rate as published inmonth-end The Wall it by index, whichBill is defined as the prior Street Journal.

The periodic earnings credit 13 week Treasury Bill rate as published in Therate Wall or indexThe may changeearnings at any time.

Street Journal. periodic credit rate or index may change at any time.

edit. ulated by $1,000 $10 minimum balance requirement 1 monthly service fee rve any day of the statement cycle ulated byService fee will only be applied if account balance falls below $200 1 Items include withdrawals, automatic or preauthorized transfer, ATM withdrawal, tiplying any day of the statement cycle $10 monthly service fee rve or any payment out of this account automatic or preauthorized transfer, ATM withdrawal, Other bank rules and regulations apply end Items include withdrawals, tiplying or any payment out of this account Other bank rules and regulations apply all end

$5 $5

1

2 2

all

ns apply

ns apply

Per item fee over 6 during statement Per item fee2 over 6 cycle during statement cycle2

$0 $0

Paper Statement Fee Paper Statement Fee

Service fee will only be applied if account balance falls below $1,000 any day of the statement cycle 1 Service fee will only be applied if account balance falls below $1,000 2 Items include withdrawals, preauthorized anyautomatic day of theorstatement cycle transfer, ATM withdrawal, or any payment out of this account 2 Items include withdrawals, automatic or preauthorized transfer, ATM withdrawal, or any payment out of this account 1

This account is interest bearing. Interest tiers as follows: Upistointerest $24,999 | $25,000-$99,999 This account bearing.

Interest tiers as follows: $100,000-$249,999 | $250,000 and up Up to $24,999 | $25,000-$99,999 $100,000-$249,999 | $250,000 and up

MEET YOUR LENDER: CHAD THOMASON Specializing in business loans, 504 & 7(a) loans for commercial

clients,

medical

lending,

owner-

occupied properties and rental properties, Chad loves helping businesses grow and is always eager to help in any way possible.

(706) 310-2180 | (678) 316-4870 (cell) cthomason@oconeestatebank.com