Fiduciary Checking. Business Interest Checking
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1 March 1, 2019 Dear Valued Customer: We are excited to aouce effective April 27, 2019, the Duluth brach locatio of Alerus Bak will be acquired by Fradse Bak & Trust, pedig fial regulatory approval. We look forward to welcomig you ito the Fradse Bak & Trust family. Fradse Bak & Trust will cotiue to serve you at the brach office located at 331 West Superior Street, Duluth. Our umber oe goal is providig you with the same outstadig service you have grow accustomed to. Fradse Bak & Trust is a commuity bak that has the best iterests of our cliets ad commuities at heart. Please read the details below, as they will aswer may questios you may have about the acquisitio ad trasitio from Alerus to Fradse Bak & Trust. These chages will be effective April 27, Coversio Statemet: Alerus will be geeratig statemets for all checkig ad savigs accouts after the close of busiess o Friday, April 26, If applicable, service charges will be applied ad iterest will be accrued ad paid through April 28, Future Statemets: Followig the April 26, 2019, statemet cycle, future busiess checkig statemets will cycle at moth ed. Your first Fradse Bak & Trust mothly statemet will cycle o April 30, Coversio of Accouts: Busiess checkig ad savigs accouts will be updated with the merger accordig to the coversio table below. Iterest will accrue ad pay mothly o iterest-bearig checkig ad moey market accouts ad quarterly o savigs accouts. Please refer to the eclosed Real Bakig Solutios brochure for further accout details. If you prefer to be coverted to a differet accout tha idicated i the table below, please cotact our customer service represetatives to discuss your optios. Busiess Accouts If you curretly Busiess have: Fiduciary Small Busiess Busiess Advatage MM; Public Fud MM; Busiess MM Premium Your accout will become: Busiess Busiess Iterest Small Busiess Busiess Moey Market Accout Busiess Savigs Accouts If you curretly have: Your accout will become: Busiess Savigs Busiess Savigs Accout Additioal Terms ad Coditios of your Accout: Paymet Order of Items: Whe processig items draw o your accout, our geeral policy is to pay electroic items (such as ACH, ATM, or debit card trasactios) first followed by items (such as checks or drafts) i umerical sequece, with the lower item umbers paid first. O your accout statemet we do ot ecessarily report debits ad credits i the order that we posted them to your accout. Multiple-Sigature Accouts: We are amedig accout agreemets for accouts that require multiple sigatures for withdrawal. We do ot moitor for multiple sigatures o items draw o accouts. The moitorig provisio will be solely for your iteral cotrol purposes. By cotiuig to maitai your accout, you agree to idemify ad hold us harmless for losses we experiece due to payig ay item bearig at least oe authorized sigature.
2 Fuds Availability: Our policy applies to trasactio accouts oly. We will make fuds from your check deposits ad mobile check deposits available to you o the first busiess day after the day we receive your deposit. Electroic direct deposits ad cash deposits will be available o the day we receive the deposit. Oce the fuds are available, you ca withdraw them i cash ad we will use the fuds to pay checks that you have writte. I the evet the available balace i your accout is ot sufficiet to cover a item, we will either authorize ad pay the item ad overdraw your accout (overdraft item), or we will declie ad retur the item upaid (NSF item). All trasactios received after the bak closes will be credited the ext busiess day. Every day is cosidered a busiess day except Saturdays, Sudays, ad federal holidays. Accrual of Iterest: Iterest will begi to accrue o the first busiess day after the bakig day you deposit ocash items (for example, checks) ito your accout. Checks, Deposit Tickets, Direct Deposit ad Electroic Paymets: Your accout umber will ot chage uless you have bee otified directly. Fradse Bak & Trust s routig umber is Origiators of direct deposits ad/or electroic paymets will receive a electroic otificatio of this chage. However, you may cotact your origiator directly to expedite the chage. You may be cotacted by the origiator for verificatio. For a period of 180 days followig the merger, we will cotiue to process ay direct deposits or electroic paymets received with your old routig umbers ( ad ). Customers who regularly write checks will receive a complimetary box of Fradse Bak & Trust checks prior to the merger. It is importat that you begi usig your ew checks startig April 27, Alerus checks will be hoored by Fradse Bak & Trust for a period of 90 days followig the merger. After 90 days, ay Alerus checks preseted for paymet will be retured to the payee upaid. Your uused Alerus checks should be properly destroyed. Whe you set up ew direct deposits ad/or electroic paymets, please use Fradse Bak & Trust s routig umber Fee Schedule: Please refer to the eclosed Busiess Bakig Fee Schedule for a listig of curret services ad fees. Debit Cards: Fradse Bak & Trust will be issuig ad deliverig debit cards to all existig Alerus debit cardholders. You may activate ad establish your PIN whe you receive your card. You may begi usig your ew Fradse Bak & Trust card o April 26, 2019, at 5:00 p.m., at which time your Alerus debit card will be closed. Ay automatic paymets set up with your Alerus debit card will eed to be chaged to your Fradse Bak & Trust debit card. Your daily limit will be cotrolled by the lesser of your available balace or the maximum limit assiged to your card. Fradse Bak & Trust parters with the MoeyPass Network, providig access to over 32,000 surchargefree ATMs i the Uited States. Dowload the MoeyPass app to easily fid ATMs ear you. Our CardValet mobile app lets you protect your debit card agaist fraud ad theft by receivig real-time alerts to esure your card is used by you. Dowload the CardValet app today ad register your ew Fradse Bak & Trust debit card. If you were a Alerus CardValet user, you will eed to create a ew logi whe registerig your ew debit card. Website: Our website address is fradsebak.com. Olie Bakig, Bill Pay & estatemets: We will be offerig a ew olie bakig product desiged specifically for you. You will be cotacted directly by a customer service represetative to get started. Please ote the followig importat trasitio iformatio: Alerus Busiess Olie, Mobile Access, Bill Pay, ad estatemet access will be discotiued o April 26, 2019, at 5:00 p.m. Alerus ACH Origiatio (commercial cliets) access will be discotiued o April 25, 2019, at 4:00 p.m. Alerus Wire Origiatio will be discotiued o April 26, 2019, at 4:00 p.m. If you are curretly receivig a estatemet, we recommed savig or pritig your previous estatemets for retetio prior to April 26, as they will o loger be available. If you are curretly usig Bill Pay, we recommed pritig out ay history you would like to retai ad a list of payees prior to April 26 so you may easily add these payees ito the ew Bill Pay system.
3 Free Collectio Service o Retured Checks: Fradse Bak & Trust parters with Checkmarc USA to provide this o-cost service to your busiess with o cotracts or equipmet to purchase. You receive 100% face value of badcheck trasactios recovered. All busiess checkig accout customers are eligible ad will be automatically erolled i this service. A welcome packet will be set via shortly after April 27. If you choose to opt out of this service, please cotact our customer service departmet. Coveiece Lie: You will be able to obtai balaces, trasfer moey betwee accouts, track cleared trasactios, ad make loa paymets through our 24-Hour Coveiece Lie. The toll-free umber is Your Persoal Idetificatio Number (PIN) will iitially be the last four digits of your Social Security umber. Loas: Fradse Bak & Trust will hoor existig terms o all Alerus loas util maturity of your curret term. Loa-related questios ca be directed to the Duluth office at The mailig address for loa paymets will be Fradse Bak & Trust, 331 West Superior Street, Duluth, MN If you curretly use a coupo book to make your loa paymets, you may cotiue to use these coupos, as your loa umber will remai the same. Automatic paymets ad trasfers will cotiue as curretly set up. Notice Regardig All Accouts: We are makig a regulatory ad iteral accoutig chage to all checkig accouts. This will have NO EFFECT o the curret features of your accout, icludig your accout umber, the use of your accout, the amout of iterest (if ay) paid o your accout, the fees for your accout (if ay), your mothly statemet, or FDIC isurace coverage. This chage will result i the creatio of two subaccouts a checkig sub-accout ad a savigs sub-accout. The bak may periodically trasfer fuds betwee these two sub-accouts. O the sixth trasfer durig a caledar moth, ay fuds i the savigs sub-accout will be trasferred back to the checkig sub-accout. This reallocatio will occur solely o our books, will be trasparet to you, ad have NO EFFECT o the daily use of your accout. We appreciate your patiece ad uderstadig as we make this trasitio. If you eed assistace, please cotact our customer service departmet. Sicerely, Michael Gay Executive Vice Presidet, Regioal Maager Fradse Bak & Trust Bria Shelto Presidet Duluth Market Fradse Bak & Trust Eclosures: Busiess Bakig Fees Real Bakig Solutios FDIC Isurace Letter Privacy Notice
4 BUSINESS BANKING FEES Busiess Olie Services Busiess Olie Bakig Icludes access to Mobile Bakig, Mobile Deposit, estatemets, Accout Alerts, Trasactio Moitorig, ad Iteral Trasfers for o mothly charge Olie Bill Paymet Available to Busiess Olie Bakig customers for o mothly charge as log as it is used oce every 30 days. If ot used durig a 30 day period a Olie Bill Paymet Billig Fee of $6.95 will be imposed. The bill pay processor may assess additioal fees for photocopy requests, retured items, ad stop paymets. Cash Maagemet Olie Wire Origiatio Domestic Trasfer... $15.00 Foreig Trasfer... $50.00 ACH Origiatio Uauthorized ACH Retur Fee, per item... $5.00 Iitial Tokes, first two... No charge Additioal Tokes, each (o-refudable)... $20.00 Replacemet Tokes, each (o-refudable)... $35.00 Oe-time Setup Fee... $50.00 File Reversal Fee... $25.00 Item Reversal Fee... $10.00 Low Volume ACH Maiteace Fee, per moth... $5.00 ACH File Fee... No charge ACH Per Item Fee, more tha 5 items... $0.50 Medium Volume ACH Maiteace Fee, per moth... $10.00 ACH File Fee... $5.00 ACH Per Item Fee... $0.10 High Volume ACH Maiteace Fee, per moth... $20.00 ACH File Fee... $5.00 ACH Per Item Fee... $0.07 ACH File Fee ad ACH Per Item Fee is per submissio of ew, chage, delete, or reversal of file accordig to our system Remote Deposit Capture safely ad easily deposit checks from your office at your coveiece CheckMarc FREE collectio service o retured checks CoCard Merchat Card Processig Cost effective way to accept card ad mobile paymets VISA Busiess Credit Cards We have the card that is the right fit for your busiess Small Busiess Olie Services Packages Special packages created for our customers with a Small Busiess checkig accout Package A Olie Accout Maagemet No Mothly Charge Busiess Olie Bakig Mobile Bakig Mobile Deposit estatemets Olie Bill Paymet (Must be used oce every 30 days or a Olie Bill Paymet Billig Fee of $6.95 will be imposed) The bill pay processor may assess additioal fees for photocopy requests, retured items, ad stop paymet. Accout Alerts Iteral Trasfers Trasactio Moitorig (icludig check images) Package B Cash Maagemet $25.00 per moth Icludes all services i Package A ACH Origiatio (additioal fees may apply as oted above) Olie Wire Origiatio Two employee tokes
5 Package C Remote Deposit Capture $40.00 per moth Icludes all services i Package A Icludes small scaer lease ad software ($60.00 per moth for large scaer lease ad software) Package D Cash Maagemet ad Remote Deposit Capture $60.00 per moth Icludes all services i Package A Icludes all services i Package B Icludes all services i Package C ($80.00 per moth for large scaer lease ad software) Check ad Card Fees MasterCard Debit Card... o charge Replacemet Card... $10.00 No-MoeyPass Withdrawal Fee, per ATM withdrawal... $2.00 Check Pritig... varies Cashier s Checks, per check... $5.00 Moey Orders, per moey order... $ Certified Checks... $10.00 Gift Cards, per Card... $ Travel Cards, per Card... $ Travel Card Reload Fee... $3.00 Accout Fees Retured Deposit Item or Cashed Check Fee, per item... $4.00 Retured Deposit Item Represetmet Fee, per item... $8.00 Retured Deposit Item Special Istructio Fee, mothly... $10.00 Stop Paymets, per item... $32.00 Stop Paymets (iitiated through Olie Bakig), per item... $16.00 Accout Closure Fee (if accout is closed withi 6 moths of opeig)... $25.00 NSF Retur Fee, per item... $ Daily Overdraft Fee Maximum, per day... No Limit Overdraft Fee, per item... $32.00 Exteded Overdraft Fee Imposed o the 15 th day of a cotiuously overdraw balace... $30.00 Balace Reserve Trasfer Fee... $10.00 Wires Wire Trasfer, icomig... $10.00 Wire Trasfer, outgoig... $20.00 Wire Trasfer, foreig icomig... $30.00 Wire Trasfer, foreig outgoig... $50.00 Legal Garishmet/Levy processig... $75.00 Collectios, icomig ad outgoig... $20.00 Sigature Guaratee or Medallio Sigature Guaratee... $10.00 Other Services Accout Research, per hour (1 hour miimum)... $25.00 Accout Research, per copy... $1.00 Checkbook Recocilig, per hour (1 hour miimum)... $25.00 Copy of Check/Deposit, per item... $1.00 Past Statemet Copy... $3.00 Accout Activity Pritout... $3.00 Check Recociliatio Positive Pay Service Maiteace Fee, mothly... $ Paid Item Fee, per item... $.015 Lock Box Services... See separate pricig schedule Rolled Coi, per roll... $0.08 Strapped Currecy, per $1, $0.75 Exteral Trasfer Setup Fee... $5.00 Safe Deposit Box... See separate pricig schedule Night Deposit Zipper Bag... $5.00 Commercial Lock Bag... $ Services may ot be available i all offices 2 Fee pertais to checkig ad savigs accouts ad applies to each item created by check, i-perso withdrawal, ATM withdrawal or other electroic meas. I the evet the available balace i your accout is ot sufficiet to cover a item, we will either authorize ad pay the item ad overdraw your accout (Overdraft item), or we will declie ad retur the item upaid (NSF item) per our Fuds Availability Policy
6 116 Cetral Street West Losdale, MN To Depositors ad Creditors of the Duluth, MN office of Alerus Fiacial, N.A.: This is to advise you that o April 26, 2018, Fradse Bak & Trust, Losdale, MN will acquire the 331 W. Superior Street, Duluth, MN office of Alerus Fiacial, N.A., Grad Forks, ND. Bak Name I this trasactio, Fradse Bak & Trust will operate uder the ame Fradse Bak & Trust ad will establish a detached facility at the acquired site, 331 W. Superior Street, Duluth, MN As a result of this trasactio, your accout(s) at Alerus Fiacial, N.A. will automatically become a accout(s) at Fradse Bak & Trust. FDIC Isurace As you may be aware, FDIC isurace geerally covers a depositor s accout i ay bak up to $250,000. Therefore, if, as a result of the trasactio, you will have fuds o deposit at Fradse Bak & Trust i excess of $250,000, you should pay particular attetio to this paragraph. I accordace with Sectio 8(q) of the Federal Deposit Isurace Act, i a trasactio such as this, where the deposits of oe fiacial istitutio are trasferred to aother fiacial istitutio, separate isurace o the trasferred deposits will cotiue for six moths after the date of trasfer or, i the case of time deposits, the earliest maturity date after the expiratio of the six moth period. I other words, if the trasfer of deposits from the Alerus Fiacial, N.A. to Fradse Bak & Trust causes your deposits at Fradse Bak & Trust to exceed $250,000, your excess deposits will be isured by the FDIC for six moths from the date the trasactio takes effect, or, i the case of time deposits, the earliest maturity date after the six moth period. Please cotact oe of our officers if your deposits at Fradse Bak & Trust will exceed $250,000 as a result of the trasactio or if you have ay questios. Bak Hours ad Locatios We will cotiue the same hours ad availability of bak services i the Lobby as we have i the past. You may coduct trasactios at ay of the other Fradse Bak & Trust offices located i Miesota (Duluth, Cloquet, East Grad Forks, Ada, Oslo, Warre, Losdale, Motgomery, Forest Lake, Foley, New Ulm, Dudas, Nisswa, Baxter, Crosslake, Fairfax, Jorda, Makato, North Makato, Hector, Waterville, Braham, Pie City, Virgiia, Ely, Tower, Bird Islad, Clito, Lakeville, ad Apple Valley), North Dakota (Grad Forks), ad Wiscosi (Luck). Sicerely, Kare Brekke, Chairma Fradse Bak & Trust Rady Newma, Chairma Alerus Fiacial, N.A.
7 Rev 02/2015 FACTS WHAT DOES FRANDSEN BANK & TRUST DO WITH YOUR PERSONAL INFORMATION? Why? What? How? Fiacial compaies choose how they share your persoal iformatio. Federal law gives cosumers the right to limit some but ot all sharig. Federal law also requires us to tell you how we collect, share, ad protect your persoal iformatio. Please read this otice carefully to uderstad what we do. The types of persoal iformatio we collect ad share deped o the product or service you have with us. This iformatio ca iclude: Social Security umber ad trasactio history accout trasactios ad overdraft history credit history ad paymet history Whe you are o loger our customer, we cotiue to share your iformatio as described i this otice. All fiacial compaies eed to share customers persoal iformatio to ru their everyday busiess. I the sectio below, we list the reasos fiacial compaies ca share customers persoal iformatio; the reasos Fradse Bak & Trust chooses to share; ad whether you ca limit this sharig. Reasos we ca share your persoal iformatio For our everyday busiess purposes such as to process your trasactios, maitai your accout(s), respod to court orders ad legal ivestigatios, or report to credit bureaus For our marketig purposes to offer our products ad services to you Does Fradse Bak & Trust share? Yes Yes Ca you limit this sharig? No No For joit marketig with other fiacial compaies Yes No For our affiliates everyday busiess purposes iformatio about your trasactios ad experieces For our affiliates everyday busiess purposes iformatio about your creditworthiess Yes No No We do't share For our affiliates to market to you No We do't share For o-affiliates to market to you No We do't share Questios? Call us toll-free at or go to
8 Page 2 What we do How does Fradse Bak & Trust protect my persoal iformatio? How does Fradse Bak & Trust collect my persoal iformatio? Why ca t I limit all sharig? Defiitios Affiliates No-affiliates Joit marketig To protect your persoal iformatio from uauthorized access ad use, we use security measures that comply with federal law. These measures iclude computer safeguards ad secured files ad buildigs We collect your persoal iformatio, for example, whe you ope a accout or apply for a loa show your govermet-issued ID or give us your icome iformatio make deposits or withdrawals from your accout We also collect your persoal iformatio from others, such as credit bureaus, affiliates, or other compaies. Federal law gives you the right to limit oly sharig for affiliates everyday busiess purposes iformatio about your creditworthiess affiliates from usig your iformatio to market to you sharig for o-affiliates to market to you State laws ad idividual compaies may give you additioal rights to limit sharig. Compaies related by commo owership or cotrol. They ca be fiacial ad ofiacial compaies. Our affiliate is Fradse Fiacial Corporatio Compaies ot related by commo owership or cotrol. They ca be fiacial ad ofiacial compaies. Fradse Bak & Trust does ot share with o-affiliates so they ca market to you. A formal agreemet betwee oaffiliated fiacial compaies that together market fiacial products or services to you. Our joit marketig parters may iclude other baks, isurace compaies, ad ivestmet ad securities compaies.
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