Century Bank and Trust::Serving the Michigan, Indiana and Ohio Area

CHECKING ACCOUNTS

Free Business Select Checking

No monthly maintenance fee
Free Century eCorp Internet Banking

Free Master Money (Debit) card
175 transactions free each month then $0.25 each
$100 minimum balance to open

Business Infinity Checking

May be offset by credit allowance

Checks written	$0.25 each
Checks written w/check safekeeping	$0.08 each
Deposits to account	$0.15
Checks deposited
Local check	$0.065
Transit check	$0.075
Automatic internal transfer	$0.45
Incoming ACH Credit	$0.10
Incoming ACH Debit	$0.12
Return Deposit Items	$6.00
Monthly maintenance fee	$6.00
Monthly analysis statement fee	$2.00
Credit allowance rate used to offset service charge	1.00%* (based on your average available balance)
*Rate for credit allowance will be determined monthly. Negative collected balances subject to a usage fee equal to the current prime rate plus 4.00%.

Other fees

Auto transfer to cover overdraft	$7.50
Phone transfer	$5.00
Phone transfer by Telebanc	none
Counter checks (each)	$0.50
Non-Sufficient funds check ($10 or less)	$15.00
Non-Sufficient funds check (over $10)	$30.00
Stop payment order	$30.00
Stop payment (via Internet banking)	$10.00
Outgoing wire transfer of funds ( USA )	$20.00
Outgoing wire transfer of funds (foreign country)	$30.00
Outgoing wire transfer of funds (internet banking)	$15.00
Incoming wire transfer of funds	$5.00
Account reconcilement or Research (per hour)	$27.50
Check cashing (non-customer)	$6.00
Photocopies	$0.25
Collection item (Incoming and Outgoing)	$25.00
Notary (non-customer)	$5.00
Signature Guarantee	$5.00
Garnishment, Levy or Injunction	$50.00
Cashier's check	$3.00
Personal money order	$2.00
Travelers cheques (per $100 purchased)
One signature	$1.00
Two signature	$2.00
Facsimile	$2.50

Savings Accounts


Premier Savings
Minimum balance required to avoid service charge	$ 100.00
Monthly service charge	$1.50
Monthly withdrawals (each additional withdrawal after 6)*	$1.00

Premier Money Market Savings
Minimum balance required to avoid service charge	$2,500.00
Monthly service charge	$2.00
Monthly withdrawals (each additional withdrawal after 6)*	$2.00

* Preauthorized transfers are limited to six per month, not more than three of which may be by check, draft, debit card or similar order made by 3rd parties. Withdrawals made by mail, messenger, ATM or in person and by telephone are unlimited. Exceeding the limit of possible transactions frequently may result in the account being closed, no payment of interest on the account or removing the account's transfer and draft capabilities.

BUSINESS ACCOUNT DISCLOSURE

As required by the Uniform Commercial Code Article 4A (UCC4A)

Notice Disclosure

"Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so unless federal or state law requires it. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you."

What does this mean? UCC4A states notification should be given for any ACH item posted to a corporate account by the following business day. The NACHA rules state notification is only required on the monthly statement. We are following the NACHA rules.

Choice of Law Disclosure

"We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Michigan as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account."

What does this mean? The next step to any dispute regarding ACH transactions that can not be resolved between the two parties would be to go to court. If brought to court, Century Bank and Trust would follow the laws of the state of Michigan.

TERMS AND CONDITIONS OF YOUR DEPOSIT ACCOUNT

This brochure contains the rules, which govern, where appropriate, your deposit account(s) with us. Unless it would be inconsistent to do so, words and phrases used in this brochure should be construed so that the singular includes the plural and the plural includes the singular. Please read this brochure carefully; continued use of your account with us after receipt of this brochure means you agree to these rules, you agree to pay the fees listed, and you give us the right to collect the fees, as earned, directly from the account balance. If you have any questions, please call us.

Much of our relationship with our deposit customers is regulated by state and federal law, especially the law relating to negotiable instruments, the law regulating the methods of transferring property upon death and the rights of surviving spouses and dependents, and the law pertaining to estate and other succession taxes, the law regarding electronic funds transfer, and the law regarding the availability of deposited funds. This body of law is too large and complex to be reproduced here.

The purpose of this brochure is to:

1. Summarize the rules applicable to the more common transaction 2. Establish rules to govern transactions or circumstances which the law does not regulate 3. Establish rules for certain events or transactions, which the law already regulates but permits variation by agreement.
We may permit some variations from this standard agreement, but any such variations must be agreed to in writing either on our signature card for the account or in some other written form.

As used in this brochure, the word "we" means the financial institution and the word "you" means the account holder.

DEPOSITS - Any non-cash items deposited to this account (including items drawn "on us") will be given provisional credit only until collection of the item is final. We are not responsible for transactions initiated by mail or outside depository until we actually record them. All transactions received after our "daily cut-off time" on a business day we are open, or received on a day in which we are not open for business, will be treated and recorded as if initiated on the next following business day that we are open.

WITHDRAWALS - GENERALLY - Unless clearly indicated to the contrary, any one of you who signs in the space designated for Signatures on the signature card may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person signing the signature card to endorse any other transaction with us.

We reserve the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted, which is greater in number than the frequency permitted, or which is for an amount less than any minimum withdrawal denominations. Even if we honor a non-conforming request, repeated abuse of the stated limitations (if any) may eventually force us to close your account. We will use the date a transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. Withdrawals will first be made from collected funds, and we may, unless prohibited by law, or our policy set forth in this brochure, refuse any withdrawal request against uncollected funds even if our general practice is to the contrary.

We reserve the right to require written notice of an intended withdrawal as allowed by Federal Regulation. If we exercise our right to require written notice, we will apply that requirement equally to all depositors that maintain the same type of account.

LIABILITY - Each of you agrees, for yourself (and the person or entity you represent if you sign as representative of another) to the terms of this account and the schedule of charges that may be imposed. You authorize us to deduct these charges directly form the account balance as accrued. You also agree to pay such additional reasonable charges we may impose for services you request which are not contemplated by this agreement. Each of you also agrees to be jointly and severally liable for any account deficit resulting from charges or overdrafts, whether caused by you or another authorized to withdraw from this account, together with the costs we incur to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

TRUST ACCOUNTS - Except as such an account may be varied by a separate agreement: (1) the person opening a Trust Account (called the "settler") may withdraw all or any portion of the account balance during his lifetime; (2) any named beneficiary who does not sign the signature card acquires the right to withdraw from the account only if and when he survives the settler; and (3) if more than one beneficiary is named and survives, the interest of such surviving beneficiaries shall be in equal shares and without survivorship between them.

JOINT ACCOUNTS - WITH SURVIVORSHIP - If such an account is indicated on our signature card, each joint tenant intends and agrees that the account balance upon his death shall be the property of the surviving joint tenant, and if more than one survives, they shall remain as joint tenants with right of survivorship between them.

ORGANIZATION ACCOUNTS - We will usually require a separate authorization form designating the person(s) permitted and conditions required for withdrawal from any account in the name of a legal entity such as a partnership, corporation, or other organization. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization.

STOP-PAYMENTS - To be effective, a stop payment order must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. We will honor a stop-payment request by the person who signed the particular item, and, by any other person, even though such other person did not sign the item, if such other person has an equal or greater right to withdraw from this account than the person who signed the item in question. A release of the stop-payment request may be made only by the person who initiated the stop-payment.

CHECKS PRESENTED AGAINST INSUFFICIENT FUNDS - Checks presented against insufficient balances are paid in the following order - first, any check cashed by a Century Bank and Trust teller; second, a check used to pay on indebtedness to Century Bank and Trust. Thereafter, a selection permitting the return of the fewest number of checks. A service charge is assessed for each check returned or paid.

The depositor agrees to honor any post-dated check or draft that is presented and accepted for payment before the date of the instrument.

TELEPHONE TRANSFER - A transfer of funds from this account to another account with us, by telephone, if otherwise permitted or arranged for, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Other account transfer restrictions may apply.

AMENDMENTS AND TERMINATION - We may amend any term of this agreement, from time to time hereafter, upon giving reasonable notice to you. Reasonable notice may consist of posting notice of such changes in our building for a reasonable period of time, enclosing notice in the statement of this account, or separate notice by mail. We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail. Notice from us to any one of you is notice to all of you.

STATEMENTS - If you do not notify us of an unauthorized signature or alteration within a reasonable time (not to exceed 14 days) after we send or make available to you your statement and items: (1) you cannot assert the unauthorized signature or alteration against us, even if we are unable to show a loss due to your failure and, (2) you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses, but before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration, unless you do not notify us of the problem within 60 days of when we send or make available to you the statement and items. You must also report any other account problem (e.g. erroneous statement or passbook entry, missing signature, unauthorized endorsement, etc.) within this 60-day period or lose your right to assert the problem against us.

ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.

GARNISHMENTS - All accounts are subject to garnishment and if a court order is served to us, the account will be charged up to the amount of the garnishment order plus our normal collection fee and held for further instructions by the court.

ABANDONED ACCOUNTS - Accounts at all financial institutions are subject to State of Michigan Escheat Laws . Accounts wherein there has been no activity initiated by the depositor for seven years may be escheated to the State of Michigan, if we are unsuccessful in contacting the depositor(s). The depositor(s) is responsible for alerting us of his current address and should report to us if statements and interest checks are not received.

SERVICE CHARGE - There may be service charges levied by us on all accounts, demand, time and savings, including without limitation charges for the following:

Current schedules of these charges as adjusted from time to time are available from any Customer Service Representative.

DIRECT DEPOSITS - If in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the Federal Government for any reason, you authorized us to deduct the amount of our liability to the Federal Government from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

SUB ACCOUNTS
The following process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement; however, the bank is required to provide you with the following disclosure. This Account consists of a checking sub account and a savings sub account. The Bank may periodically transfer funds between these two sub accounts. On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account. If your Account is a Plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non interest bearing. The savings sub account will be governed by the rules governing our other savings accounts.

SET-OFF - You agree that we may (without prior notice and when permitted by law) set-off the funds in this account against any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' legal entity's right to withdraw. This right of set-off does not apply to this account if: (a) it is an IRA or a tax-deferred retirement account; or (b) the debt is created by a consumer credit transaction under a credit card plan; or (c) the debtor's right of withdrawal only arises in a representative capacity.

Please identify your county. These online applications are available only to those with residence in the listed counties. For more information, contact Century Bank and Trust.

I Agree To These Disclosures I Do Not Agree