Services and Fees. This document is current as 12/7/17.
|
|
- Karen Lang
- 6 years ago
- Views:
Transcription
1 Services and Fees This dcument is current as 12/7/17. Prduct terms, cnditins, benefits, pricing, and fees are subject t change with r withut ntice. Member FDIC fmb.cm Rev. 12/7/17
2 TABLE OF CONTENTS PERSONAL SCHEDULE OF FEES... 5 BUSINESS SCHEDULE OF FEES... 6 ACCOUNT ANALYSIS SCHEDULE OF FEES... 7 ACCOUNTS... 8 Bankruptcy Trustee Accunt... 8 Business Checking Analyzed... 8 Business Checking Nn Analyzed... 8 Certificates f Depsit Day Market Rate Certificate f Depsit and 182 Day; 12 23; 24 35; 36 47; 48; and 60 Mnth Market Rate Certificate f Depsit... 9 Bnd Certificate f Depsit Lan Cllateral Certificate f Depsit Christmas Club Accunt Classic Checking Cllege Checking Elite Checking Gld Checking Health Savings Accunt (HSA) Interest n Checking (Business) Interest n Checking (Persnal) Individual Retirement Accunts (IRAs) (Traditinal r Rth) , 12, 18, 24, 36, 48 and 60 Mnth Market Rate IRAs Market Rate Mney Market (Business) Market Rate Mney Market (Persnal) Market Rate Savings (Business) Market Rate Savings (Persnal) Persnal Checking Platinum Checking Senir Checking Member FDIC fmb.cm Rev. 12/7/17
3 State Bar Assciatin/IOLTA Teen Checking Varsity Checking Yuth Savings SERVICES Escrw Services F&M Credit Cards F&M Business Credit Card F&M Pints Rewards Persnal F&M Credit Card F&M Cash Rewards F&M Credit Card Alerts Freign Currency Exchange/Purchase Lans Business Credit Persnal Credit Lckbx Electrnic Lckbx Medical Electrnic Lckbx (Med eslutins) MasterMney Debit Cards Business Debit Card Persnal Debit Card Debit Card Fraud Alerts Merchant Services Night Depsit Ntary Online Banking ACH Originatin Bill Pay Business Online Banking Business Online Banking with Cash Manager Mbile Banking Member FDIC fmb.cm Rev. 12/7/17
4 Mbile Check Depsit Text Banking Overdraft Features Sweep Transfer Services Ready Cash Depsit (RCD) Bunce Prtectin SM Physician Banking with Cncierge Service Psitive Pay Pre-Paid Gift Cards Remte Depsit Capture (RDC) Check Image Depsit Safe Depsit Bxes Smart Safes Telebanker Traveler s Cheques Trust Services USA Patrit Act Disclsure Investment Services Nt FDIC Insured Member FDIC fmb.cm Rev. 12/7/17
5 PERSONAL SCHEDULE OF FEES Bank Fees Accunt Histry... $2.00 Bnd Cupn Cllectin... $7.50 Chargeback... $6.00 Checks/Depsit Slips... Per Catalg Pricing ATM Service Charge)... $1.50 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Legal Prcess... $ Paper Statement Fee... $3.00 Research Per hur (1 hr minimum, prrated thereafter). $30.00 Stp Payment (ACH r Check)... $20.00 Cashier s Checks Client... $6.00 Nn-Custmer... $8.00 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees).. $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts). $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 Early Accunt Clsure Checking Accunts (within 90 days f pening)... $10.00 Savings Accunts (within 1 year f pening)... $5.00 Mney Orders Client... $4.00 Nn-Custmer... $6.00 Ntary Services (fr nn-bank required and/r related dcuments) Ntice f Nnpayment f a Prmissry Nte/Signature... $5.00 Acknwledgements, Jurats, etc./signature... $10.00 Online Banking Online Banking Per Mnth... N Charge Stp Payment F&M Paper Check Per Request... $20.00 Bill Pay Per Mnth/Per Lg-In ID (up t 15 pmts/mnth).. $5.00 Each Additinal Bill Pay ver 15 payments/mnth... $0.40 Each Additinal Elite Bill Pay ver 5 payments/mnth... $0.40 Paid Return Item Fee Per Item... $20.00 Stp Payment Draft (Stp Payment Request)... $15.00 Re-Issue Draft Per Draft Item... $15.00 Overnight Delivery Draft Per Request... $15.00 Overdrafts Nnsufficient Funds Per Overdraft ($200 max per day).. $20.00 Pre-Paid Gift Cards MasterCard Pre-Paid Gift Card Activatin Fee/Card... $3.00 Inactivity Fee/Mnth (assessed after 12 cnsecutive mnths f inactivity)... $2.95 Replacement f lst r stlen card... $5.00 Safe Depsit Bx Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies based n bx size Transfer f Funds Sweep Transactin... $5.00 Telephne Transactin... $2.00 Traveler s Cheques Cheques fr Tw requiring 2 signatures 2% f purchase price Wire Transfers Dmestic Outging Dmestic Wire entice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire entice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 Wire Transfers Internatinal Outging Internatinal (crrespndent fees included)... $60.00 Incming Internatinal Wire entice... $7.00 Incming Internatinal Wire Mail Ntice... $10.00 Teen, Cllege, Elite, Varsity, Senir, Classic, Gld and Platinum Checking Accunts include additinal prducts and services, sme at a discunted r waived fee schedule. Fr mre infrmatin, please see the accunt details r yur accunt agreement. Overdrafts Nnsufficient Funds Per Overdraft ($150 max per day).. $30.00 Transfer f Funds Sweep Transactin (Teen Checking)... $5.00 Sweep Transactin (Cllege Checking)... $8.00 Sweep Transactin (Senir, Classic Checking)... $9.00 Telephne Transactin (Teen, Cllege, Senir, Classic Checking)... $10.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Member FDIC fmb.cm Rev. 12/7/17
6 BUSINESS SCHEDULE OF FEES Bank Fees Accunt Histry... $2.00 Bnd Cupn Cllectin... $7.50 Business Statement n CD-ROM (nt available t new accunts)... $15.00 Chargeback (Check)... $6.00 Checks/Depsit Slips... Per Catalg Pricing Curier Services... Per Agreement + 10% ATM Service Charge... $1.50 Depsit Bag (dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Legal Prcess... $ Psitive Pay Service Per Mnth.... $25.00 Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Business Online Banking Business Online Banking Per Mnth... N Charge Stp Payment F&M Paper Check Per Request... $20.00 Bill Pay Per Mnth/Per Lg-In ID (up t 15 payments/mnth)... $5.00 Each Additinal Bill Pay ver 15 payments/mnth... $0.40 Paid Return Item Fee Per Item... $20.00 Stp-Payment Draft Per Request... $15.00 Re-Issue Draft Per Item... $15.00 Overnight Delivery Draft Per Request... $15.00 Business Online Banking with Cash Manager Cash Manager Per Mnth (up t 3 Lg-In IDs)... $14.95 Each Additinal Lg-In ID (Emplyee Access Cntrl)... $2.00 ACH Item Originatin Per Item... $0.10 ACH Originatin Chargeback... $6.00 ACH Reversal... $30.00 Stp Payment F&M Paper Check Per Request... $20.00 Online Banking Outging Dmestic Wire entice....$20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Cashier s Checks Client... $6.00 Nn-Custmer... $8.00 Cin (in r ut) Cin & Currency Change Order... $3.00 Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx Prvided... $4.00 Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 Per Cin Bag Prvided... $0.60 Early Accunt Clsure Checking Accunts (within 90 days f pening)... $10.00 Savings Accunts (within 1 year f pening)... $5.00 Merchant Services Merchant Services... Per Agreement Merchant Services Supplies... Market Price Mney Orders Client... $4.00 Nn-Custmer... $6.00 Ntary Services (fr nn-bank required and/r related dcuments) Ntice f Nnpayment f a Prmissry Nte Per Signature... $5.00 Acknwledgements, Jurats, etc. Per Signature... $10.00 Overdrafts Nnsufficient Funds Per Overdraft... $20.00 Pre-Paid Gift Cards MasterCard Pre-Paid Gift Cards Activatin Fee Per Card... $3.00 Inactivity Fee Per Mnth (assessed after 12 cnsecutive mnths f inactivity)... $2.95 Replacement f lst r stlen card... $5.00 Safe Depsit Bx Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies based n bx size Smart Safes Mnthly Service Fee Per Unit... $ Transfer f Funds Sweep Transactin... $5.00 Telephne Transfer... $2.00 Wire Transfers Dmestic & USD Int l via US Crrespndent Bank* Online Banking Outging Dmestic Wire entice... $20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Outging Dmestic Wire entice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire entice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 * USD Int l via US Crrespndent Bank is fr cmmercial purpse nly. Wire Transfers Internatinal Outging Internatinal Wire USD... $50.00 Outging Internatinal Wire FX... $40.00 Incming Internatinal Wire entice... $7.00 Incming Internatinal Wire Mail Ntice... $10.00 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees)... $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts)... $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Member FDIC fmb.cm Rev. 12/7/17
7 ACCOUNT ANALYSIS SCHEDULE OF FEES Bank Fees Accunt Analysis Maintenance Fee Per Mnth... $18.00 Accunt Histry... $2.00 ACH Item Credit... $0.10 ACH Item Debit... $0.10 ACH Item Originatin... $0.10 ACH Originatin Reversal... $30.00 Bnd Cupn Cllectin... $7.50 Business Statement n CD-ROM (nt available t new accunts)... $15.00 Business Online Banking... N Charge Bill Pay Services/Mnth (plus $0.40 each ver 15 payments)..... $5.00 Cash Manager Per Mnth... $14.95 Cash Manager Additinal User... $2.00 Cashier s Check... $6.00 Change Order (in r ut)... $3.00 Chargeback (Check r ACH)... $6.00 Checks/Depsit Slips... Per Catalg Pricing + $10.00 Curier Services... Per Agreement + 10% Debit Item (checks paid)... $0.12 Depsit Bag/Each (dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Depsit Item... $0.10 Depsit Ticket/Each... $1.00 Endrsement Stamp... Per Catalg Pricing + $10.00 Lckbx... Per Agreement Merchant Services Fees... Per Agreement Merchant Services Supplies... Market Price Mney Order... $4.00 Nnsufficient Funds r Overdraft Per Item... $20.00 Psitive Pay Service Per Mnth... $25.00 Remte Depsit Capture... Per Agreement Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Sweep Transactin... $5.00 Telephne Transfer Fee... $2.00 Vendr Invice... Cst + $10.00 Check Image Depsit One Time Set-up Fee... $ Mnthly Fee (if less than 2,000 items prcessed per mnth)... $ Check Image Scanned and Prvided Electrnically On-Us Item - F&M Drawn Item Per Check... $0.08 Nn F&M Item - Transit Item Per Check... $0.08 Depsit Ticket (depsit prvided electrnically per depsit)... $1.00 Cin (in r ut) Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx Prvided... $4.00 Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 Per Cin Bag Prvided... $0.60 Lckbx Electrnic Set-Up Per Bx... $ Maintenance Per Bx Per Mnth... $ Reprting Per Mnth... $ CD (nt available t new accunts)... $15.00 Depsit... $1.25 Items Prcessed Per Online Item... $0.45 Items Prcessed Per Paper Item... $0.65 Image Transactin... $0.08 Data Entry Per Keystrke... $0.025 Medical Electrnic Lckbx (Med eslutins) Please see all fees nted abve fr Electrnic Lckbx Fees. Med eslutins Image Transactin... $0.45 Remte Depsit Capture (RDC) One Time Set-Up Fee Per Lcatin... $ Rental Fee Per Mnth (scanner plus maintenance)... $ Mnthly License Fee (up t 2 licenses)... $30.00 Mnthly Fee (licenses in excess f the first 2)... $20.00 Check Scanned and Prvided Electrnically On-Us Item - F&M Drawn Item Per Check... $0.10 Nn F&M Item - Transit Item Per Check... $0.10 Depsit Ticket (depsit prvided electrnically per depsit)... $1.00 Smart Safes Mnthly Service Fee Per Unit... $ Wire Transfers Dmestic & USD Int l via US Crrespndent Bank* Online Banking Outging Dmestic Wire entice... $20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Outging Dmestic Wire e-ntice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire e-ntice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 * USD Int l via US Crrespndent Bank is fr cmmercial purpse nly. Wire Transfers Internatinal Persnal Outging Internatinal (crrespndent fees included)... $60.00 Persnal Incming Internatinal Wire entice... $7.00 Persnal Incming Internatinal Wire Mail Ntice... $10.00 Cmmercial Outging Internatinal Wire USD... $50.00 Cmmercial Outging Internatinal Wire FX... $40.00 Cmmercial Incming Internatinal Wire entice... $7.00 Cmmercial Incming Internatinal Wire Mail Ntice... $10.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees)... $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts)... $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.20 Member FDIC fmb.cm Rev. 12/7/17
8 ACCOUNTS Bankruptcy Trustee Accunt This accunt is available fr Chapter 11 and Chapter 13 bankruptcy types nly. Minimum balance t pen: $200. This accunt des nt pay interest. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t accunt analysis may be fund n the Accunt Analysis Schedule f Fees. Fees Minimum balance fee $8 plus $0.30 per check paid will be impsed if the minimum balance in the accunt is less than $2,000 n any day f the statement cycle. $7 plus $0.30 per check paid will be impsed if the minimum accunt balance is greater than r equal t $2,000 but less than $3,000 n any day f the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Business Checking Analyzed Minimum balance t pen: $200. This accunt des nt pay interest. Hwever, it prvides an earnings credit that is used t ffset certain service fees incurred by the accunt s activities, i.e. checks paid, items depsited, etc. In additin t each mnthly accunt statement, a mnthly analysis statement is prvided which includes an accunting f services used and earnings credits that ffset service expenses. Earnings credits are based n average mnthly balances f: $0 - $99,999; $100,000 - $499,999; $500,000 - $999,999; and $1 millin plus. Cmpetitive market rates apply. Fees Maintenance fee per mnth: $18. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Accunt Analysis Schedule f Fees. Business Checking Nn Analyzed Minimum balance t pen: $200. This accunt des nt pay interest. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t accunt analysis may be fund n the Accunt Analysis Schedule f Fees. Member FDIC fmb.cm Rev. 12/7/17 8
9 Fees A minimum balance fee f $10 will be impsed every mnth if the balance in the accunt falls belw $4,000 any day f the statement cycle. A per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $4,000 any day f the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Certificates f Depsit Minimum balance t pen: $1,000. The interest rate and annual percentage yield fr yur accunt depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n yur accunt. This methd applies a daily peridic rate t the principal in the accunt each day. The interest rate n the accunt will be paid until the first maturity f the Certificate. The accunt will autmatically renew at maturity. Depsits may be made n the maturity date and during the grace perid. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees Day Market Rate Certificate f Depsit Interest will be cmpunded at maturity. Interest will be added back t the principal at maturity. Other crediting arrangements may be made. There is ne (1) business day after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t all interest earned but nt less than 7 days interest, and therefre, may be deducted frm the principal. 91 and 182 Day; 12 23; 24 35; 36 47; 48; and 60 Mnth Market Rate Certificate f Depsit Interest will be cmpunded mnthly. Interest will be added back t the principal mnthly. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Member FDIC fmb.cm Rev. 12/7/17 9
10 Bnd Certificate f Depsit Bnd Certificates f Depsit have a default term f 12 mnths, althugh the term may vary depending n the bnd requirements. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Depsits may nt be made t this accunt. Lan Cllateral Certificate f Depsit Lan Cllateral Certificates f Depsit may be pened in cnjunctin with a Bank lan. Terms and Cnditins may be btained frm the Lending Team prcessing the lan request. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. We will impse a penalty if yu withdrawal any f the principal befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. On terms 7-31 days, the penalty amunt will be equal t all interest earned but nt less than 7 days interest; and; may be deducted frm the principal. Depsits may nt be made t this accunt. The bank retains the right t redeem certificate at any time as utlined in the security agreement. Christmas Club Accunt F&M Bank ffers tw types f Christmas Club accunts: a cupn bk r autmatic transfer frm yur F&M accunt. Cupn depsits are accepted late Nvember thrugh Octber, while autmatic transfers are prcessed January thrugh Octber, with the balance and accrued interest paid by check in early Nvember. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be paid nce a year in Nvember. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. There is n cmpunding f interest during the term f the accunt. Depsits can be autmatically transferred frm an F&M checking accunt r initiated by yu. T prcess the depsits by autmatic transfer, a signed authrizatin is necessary. Member FDIC fmb.cm Rev. 12/7/17 10
11 The Autmatic Christmas Club accunt will be autmatically renewed at maturity. N withdrawals are allwed frm the Christmas Club accunt. A check is mailed t yu fr the principal plus accrued interest nce per year in Nvember. A $5.00 fee will be impsed fr clsing the accunt prir t Nvember. If accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Classic Checking Minimum balance t pen: $100. A Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Center, estatements and entices. Unlimited Check Writing. This accunt des nt pay interest. Fees $15 Mnthly Service Charge (Maintenance Fee). Ways t Waive $15 Maintenance Fee during each statement cycle: Ttal direct depsit f $500 r mre made t this accunt r 20 r mre Debit Card Pint-f-Sale (POS) transactins frm this accunt, excluding transactins cnducted at an ATM r Maintain an average daily balance* f $1,500 r mre in this accunt r The primary accunthlder** maintains a cmbined average daily balance*** f $5,000 r mre in a checking and/r savings accunt(s). By pening this accunt, the primary accunthlder cnsents t the right t share with ther parties n this accunt, the existence and balances f all related accunts upn request, and represents and warrants that each c-wner f a related accunt authrizes the balances f the accunt t be cmbined fr prgram benefits. *The average daily (ledger) balance is calculated by adding the principal in this accunt fr each day f the statement cycle, divided by the number f days in the statement cycle. **The primary accunthlder is the persn identified in the sectin Owner/Signer Infrmatin f the Accunt Agreement used t pen this accunt. ***The cmbined average daily balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt (with a primary r jint relatinship) that is related t the primary accunthlder. The average daily balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related Member FDIC fmb.cm Rev. 12/7/17 11
12 accunts current statement cycle thrugh the last day f this accunt s statement cycle, divided by the number f days between these tw dates. $1.50 ATM Service Charge fee per transactin made at a Nn-F&M ATM. Other financial institutins and ATM peratrs may charge an additinal Freign ATM Surcharge fee t use their ATM, which is disclsed and debited at the time f yur transactin. A $3 paper statement fee is assessed each statement cycle when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements. Transfers Sweep Transactin: $9 per transactin Telephne Transactin: $10 per transactin A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Cllege Checking Fr 18 t 24 year ld students. F&M Bank reserves the right t verify enrllment at accunt pening. Minimum balance t pen: $25. A Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. Free first bx f F&M lg checks r variety pack f 50 checks. This accunt des nt pay interest. On the primary accunthlder's 25th birthday, this accunt will be cnverted t a Classic Checking Accunt. Fees $8 Mnthly Service Charge (Maintenance Fee). Ways t Waive $8 Maintenance Fee during each statement cycle: Ttal direct depsit f $250 r mre made t this accunt r 15 r mre Debit Card Pint-f-Sale (POS) transactins frm this accunt, excluding transactins cnducted at an ATM. Member FDIC fmb.cm Rev. 12/7/17 12
13 N mnthly minimum balance fees. A $3 paper statement fee is assessed each statement cycle when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements. Transfers Sweep Transactin: $8 per transactin Telephne Transactin: $10 per transactin. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Elite Checking Fr cllege/trade/university students ages 18 t 24 years. Minimum balance t pen: $25. An Elite Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Online Banking included. Free Bill Pay up t 5 payments per mnth. Each additinal payment csts $0.50 per payment. Free estatements and entices. Free first rder f Mini-Pack Checks. Overdraft ptins, certain restrictins apply. This accunt des nt pay interest. Eligible t pen a Market Rate Savings Accunt with n quarterly minimum balance r withdrawal fees until they reach age 25. The minimum balance t pen the Market Rate Savings is $25. All ther terms f the Market Rate Savings Accunt are applicable. On the primary accunthlder's 25th birthday, the accunt will be cnverted t a Persnal Checking Accunt. Fees N mnthly minimum balance fees. A $3 paper statement fee is assessed each statement cycle when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Member FDIC fmb.cm Rev. 12/7/17 13
14 Gld Checking Minimum balance t pen: $100. A Gld Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Free Paper Statement, upn request. Unlimited Check Writing. Free first bx f F&M lg checks. Free Cashier s Checks, Mney Orders and Traveler s Cheques (Please see Branch Management fr details) Free Sweep and Telephne Transfers. Free Incming Dmestic Wire Transfers. Additinal Benefits Yur first Gld Checking Accunt includes, upn request, the fllwing: 1 additinal Gld Checking Accunt in which the Mnthly Service Charge (Maintenance Fee) is waived fr 1 year frm the date the accunt is pened. Standard accunt requirements apply thereafter. 2 savings accunts (Yuth Savings and/r Market Rate Savings) in which the minimum balance fee and/r withdrawal fee is waived fr 1 year frm the date each accunt is pened. Standard accunt requirements apply thereafter. 1 Safe Depsit Bx up t $60 annual rent payment, based upn availability, in which the annual rent payment is waived fr 1 year frm the date the bx is pened. These additinal benefits d nt apply t any subsequent Gld Checking Accunt(s) pened. This accunt pays interest. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Member FDIC fmb.cm Rev. 12/7/17 14
15 Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Fees $20 Mnthly Service Charge (Maintenance Fee). Ways t Waive $20 Maintenance Fee during each statement cycle: Maintain a minimum daily balance f $5,000 r mre in this accunt r Maintain an average daily balance* f $10,000 r mre in this accunt r The primary accunthlder** maintains a cmbined average daily balance*** f $50,000 r mre in a checking and/r savings accunt(s). By pening this accunt, the primary accunthlder cnsents t the right t share with ther parties n this accunt, the existence and balances f all related accunts upn request, and represents and warrants that each c-wner f a related accunt authrizes the balances f the accunt t be cmbined fr prgram benefits. *The average daily (ledger) balance is calculated by adding the principal in this accunt fr each day f the statement cycle, divided by the number f days in the statement cycle. **The primary accunthlder is the persn identified in the sectin Owner/Signer Infrmatin f the Accunt Agreement used t pen this accunt. ***The cmbined average daily balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt (with a primary r jint relatinship) that is related t the primary accunthlder. The average daily balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related accunts current statement cycle thrugh the last day f this accunt s statement cycle, divided by the number f days between these tw dates. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Health Savings Accunt (HSA) Minimum balance t pen: $100. Health Savings Debit Mastercard is prvided. Free Debit Card Fraud Alerts. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. Interest accrues n the business day the depsit is made including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Member FDIC fmb.cm Rev. 12/7/17 15
16 The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees One time set-up fee: $10. A minimum balance fee f $5 will be impsed every quarter if the average daily balance fr the quarter falls belw $1,000. $1.50 Service Charge Fee per transactin made at a Nn-F&M ATM. Other financial institutins and ATM peratrs may charge an additinal Freign ATM Surcharge fee t use their ATM, which is disclsed and debited at the time f yur transactin. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Interest n Checking (Business) Minimum balance t pen: $200. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t Accunt Analysis may be fund n the Accunt Analysis Schedule f Fees. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees A minimum balance fee f $12 will be impsed every mnth if the balance in the accunt falls belw $5,000 any day f the statement cycle. A per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $5,000 any day f the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Interest n Checking (Persnal) Minimum balance t pen: $100. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Member FDIC fmb.cm Rev. 12/7/17 16
17 Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees A minimum balance fee f $5 will be impsed every mnth if the average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $0.30 per check charge will be impsed fr each transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) if the average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Individual Retirement Accunts (IRAs) (Traditinal r Rth) 6, 12, 18, 24, 36, 48 and 60 Mnth Market Rate IRAs Minimum balance t pen: $500. The interest rate and annual percentage yield fr yur accunt depend upn the applicable rate tier. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. The interest rate n the accunt will be paid until first maturity. Interest is cmpunded quarterly and credited t the accunt quarterly. The accunt will autmatically renew at maturity. Depsits may be made t the accunt in accrdance with yur IRA Plan disclsure. There is a 10 calendar day grace perid fllwing the maturity f the accunt t withdraw the funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if maturity is mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Market Rate Mney Market (Business) Minimum balance t pen: $200. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. Member FDIC fmb.cm Rev. 12/7/17 17
18 The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f the accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $8 will be impsed every mnth if the balance in the accunt falls belw $3,000 n any day in the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Market Rate Mney Market (Persnal) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $7 will be impsed every mnth if the balance in the accunt falls belw $2,500 n any day in the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Member FDIC fmb.cm Rev. 12/7/17 18
19 Market Rate Savings (Business) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $6 will be impsed every quarter if the average daily balance fr the quarter falls belw $300. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $3 withdrawal fee will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $2,000 any day f the quarter n withdrawals exceeding three per quarter. A $5 early clsure fee will be impsed if this accunt is clsed within 12 mnths frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Market Rate Savings (Persnal) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a Member FDIC fmb.cm Rev. 12/7/17 19
20 third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Cllege and Elite Checking clients are eligible t pen a Market Rate Savings Accunt with a minimum balance f $25, with n quarterly minimum balance r withdrawal fees until they reach age 25. All ther Terms and Cnditins nted are applicable. Fees A minimum balance fee f $5 will be impsed every quarter if the average daily balance fr the quarter falls belw $200. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $2 withdrawal fee will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $500 any day f the quarter n withdrawals exceeding three per quarter. A $5 early clsure fee will be impsed if this accunt is clsed within 12 mnths frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Persnal Checking Minimum balance t pen: $100. This accunt des nt pay interest. Fees A minimum balance fee f $5 and a per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) every mnth if: The balance in the accunt falls belw $500 n any day f the mnth; OR The average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt each day f the perid and dividing that figure by the number f days in the perid. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Platinum Checking Minimum balance t pen: $100. A Platinum Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Member FDIC fmb.cm Rev. 12/7/17 20
21 Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Free Paper Statement, upn request. Unlimited Check Writing. 1 free bx f any style checks per calendar year. Free Cashier s Checks, Mney Orders and Traveler s Cheques (Please see Branch Management fr details) Free Sweep and Telephne Transfers. Free Dmestic Wire Transfers Incming and Outging. Additinal Benefits Yur first Platinum Checking Accunt includes, upn request, the fllwing: Unlimited additinal Platinum Checking Accunts in which the Mnthly Service Charge (Maintenance Fee) is waived fr 1 year frm the date each accunt is pened. Standard accunt requirements apply thereafter. 3 savings accunts (Yuth Savings and/r Market Rate Savings) in which the minimum balance fee and/r withdrawal fee is waived fr 1 year frm the date each accunt is pened. Standard accunt requirements apply thereafter. 1 Safe Depsit Bx, based upn availability, in which the annual rent payment is waived fr 1 year frm the date the bx is pened. These additinal benefits d nt apply t any subsequent Platinum Checking Accunt(s) pened. This accunt pays tiered interest rates. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Fees $25 Mnthly Service Charge (Maintenance Fee). Ways t Waive $25 Maintenance Fee during each statement cycle: Maintain a minimum daily balance f $15,000 r mre in this accunt r Maintain an average daily balance* f $50,000 r mre in this accunt r The primary accunthlder** maintains a cmbined average daily balance*** f $100,000 r mre in a checking and/r savings accunt(s). By pening this accunt, the primary accunthlder cnsents t the right t share with ther parties n this accunt, the existence and balances f all related accunts upn request, and represents and Member FDIC fmb.cm Rev. 12/7/17 21
22 Senir Checking warrants that each c-wner f a related accunt authrizes the balances f the accunt t be cmbined fr prgram benefits. *The average daily (ledger) balance is calculated by adding the principal in this accunt fr each day f the statement cycle, divided by the number f days in the statement cycle. **The primary accunthlder is the persn identified in the sectin Owner/Signer Infrmatin f the Accunt Agreement used t pen this accunt. ***The cmbined average daily balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt (with a primary r jint relatinship) that is related t the primary accunthlder. The average daily balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related accunts current statement cycle thrugh the last day f this accunt s statement cycle, divided by the number f days between these tw dates. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Fr ages 55+. Minimum balance t pen: $100. A Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. 1 free bx f F&M lg checks per calendar year. Additinal Benefit Yur Senir Checking Accunt includes, upn request, the fllwing: 1 Safe Depsit Bx up t $60 annual rent payment, based upn availability, in which the annual rent payment is waived fr 1 year frm the date the bx is pened. This accunt des nt pay interest. Fees $15 Mnthly Service Charge (Maintenance Fee). Ways t Waive $15 Maintenance Fee during each statement cycle: Ttal direct depsit f $250 r mre made t this accunt r 10 r mre Debit Card Pint-f-Sale (POS) transactins frm this accunt, excluding transactins cnducted at an ATM. N mnthly minimum balance fees. Member FDIC fmb.cm Rev. 12/7/17 22
Services and Fees This document is current as 7/18/18. Click here for more information on 2018 fee and account updates.
Services and Fees This dcument is current as 7/18/18. Click here fr mre infrmatin n 2018 fee and accunt updates. Prduct terms, cnditins, benefits, pricing, and fees are subject t change with r withut ntice.
More informationaddress: Driver license number: Date of birth: Occupation:
MEMBERSHIP APPLICATION PRIMARY MEMBER INFORMATION Name: Scial security Member Number: Hme phne: Cell phne: Business phne: Mther s Maiden Name: Security passwrd: Mailing address: City: State: ZIP Cde: Street
More informationCAREVEST MORTGAGE INVESTMENT CORPORATION Directions for Completing Retraction Requests
This package is ONLY fr Class A sharehlders f. Cntents f this package (5 pages): - Instructins fr cmpleting yur retractin request - Retractin Request frm fr CareVest Mrtgage Investment Crpratin The February
More informationLucky Lagniappe Savings
Lucky Lagniappe Savings Prduct Prfile Prize-Linked Savings Accunt Prgram Lucky Lagniappe Savings Prduct Descriptin The Luisiana Credit Unin League (LCUL) ffers a Prize-Linked Savings (PLS) Prgram that
More informationChecking and Savings Account Application
Checking and Savings Accunt Applicatin Please use the Checking and Savings Accunt Applicatin t: Open a FREE Checking r Dividend Checking and Opt-in r Out f DCU s Overdraft Payment Service including an
More informationAAFMAA CAP FAQs. General Questions:
Overview: AAFMAA has prvided Career Assistance Prgram ( CAP ) lans as a benefit f membership fr many years. We have cmpiled this list f Frequently Asked Questins fr yur cnvenience and t prvide yu with
More informationPREPARING TO TERMINATE DROP
PREPARING TO TERMINATE DROP If yu wrk until yur riginal Deferred Retirement Optin Prgram (DROP) terminatin date, the Divisin f Retirement will mail yu yur DROP Terminatin Packet apprximately 90 days prir
More informationFAQS ON DEBT CONSOLIDATION PLAN
1. What is Debt Cnslidatin Plan (DCP)? Debt Cnslidatin is a debt refinancing prgram which ffers a custmer the ptin t cnslidate all his unsecured credit facilities (such as credit cards and sme types f
More informationAAFMAA CAP FAQs. Q: What are the requirements for a CAP loan? A: The following items are required to receive a CAP Loan: Eligible military status: o
Overview: AAFMAA has prvided Career Assistance Prgram ( CAP ) lans as a benefit f membership fr many years. We have cmpiled this list f Frequently Asked Questins fr yur cnvenience and t prvide yu with
More informationTD Bank Mobile Deposit Addendum to the Online Banking Service Agreement
TD Bank Mbile Depsit Addendum t the Online Banking Service Agreement Please carefully review these terms and cnditins befre prceeding: As a subscriber t the TD Bank Mbile Depsit Service (the "Service")
More informationHawaii Division of Financial Institutions 2019 Renewal Checklist
Hawaii Divisin f Financial Institutins 2019 Renewal Checklist Instructins Renewal requests must be submitted thrugh by the date specified by yur state regulatr(s). Click here t review all renewal deadlines,
More informationRAMS Deposits FAQs RAMS Action
12 May 2012 Accunt Sectin 1. Wh is eligible? Wh can pen a accunt? Yu can pen a accunt if yu satisfy all f the fllwing requirements: Yu are a persnal custmer (nt a business, cmpany r trust) Yu are aged
More informationABLE Accounts: 10 Things You Should Know
ABLE Natinal Resurce Center 1667 K Street, NW Suite 640 Washingtn, DC 200006 (202) 296-2040 inf@ablenrc.rg ABLE Accunts: 10 Things Yu Shuld Knw 1. What is an ABLE accunt? ABLE Accunts, which are tax-advantaged
More informationSwitch Kit. Inside. Get connected with everything State Bank of Cross Plains personal accounts have to offer. And get back to living.
Switch Kit Get cnnected with everything State Bank f Crss Plains persnal accunts have t ffer. And get back t living. Inside We make it easy. Get cnnected in 6 simple steps. Welcme Thank yu fr chsing State
More informationDetails of Rate, Fee and Other Cost Information
Details f Rate, Fee and Other Cst Infrmatin Accunt terms are nt guaranteed fr any perid f time. All terms, including fees and APRs fr new transactins, may change in accrdance with the Credit Card Agreement
More informationYUM! Brands 401k Plan
YUM! Brands 401k Plan Final Distributin Electin Name: Scial Security #: Address: Daytime Telephne #: Evening Telephne #: Befre yu can prcess a Final Distributin Electin, yur status must be terminated.
More informationDCU Membership Application Checklist
DCU Membership Applicatin Checklist T speed up the prcessing f yur applicatin, please fllw these steps: 1. Fill ut the applicatin cmpletely and sign it. Incmplete r unsigned applicatins will be returned.
More informationGAS AND GROCERY REWARDS PROGRAM TERMS and CONDITIONS
GAS AND GROCERY REWARDS PROGRAM TERMS and CONDITIONS Any persn s use f a Rewards accunt, enrllment in the Rewards Prgram r use f this website, cnstitutes accepting all the Terms and Cnditins stated here.
More informationTown of Palm Beach Retirement System. Deferred Retirement Option Plan (DROP) Policies and Information for Participants
Twn f Palm Beach Retirement System Deferred Retirement Optin Plan (DROP) Plicies and Infrmatin fr Participants Twn f Palm Beach Retirement System Deferred Retirement Optin Plan (DROP) Plicies and Infrmatin
More informationBilling Program Billing Information for Agents
Cmmercial & Persnal Lines Billing Prgram Billing Infrmatin fr Agents A Guide t Understanding Merchants Insurance Grup s Billing Prgram Table f Cntents Click n ne f the titles belw t be taken directly t
More informationTrustee Fiscal Year End Process (Rev. 05/24/2017)
Trustee Fiscal Year End Prcess 2017 LOCAL GOVERNMENT CORPORATION ALL RIGHTS RESERVED 1999-2017 Trustee Fiscal Year End Prcess This is a Summary f Events t help yu plan. It is nt a replacement fr the detailed
More informationVerification Worksheet- V1 DIRECTIONS 2016 INCOME TAX FILER DIRECTIONS:
2018-2019 Verificatin Wrksheet- V1 DIRECTIONS 2016 INCOME Yur applicatin was selected by the U.S. Dept. f Educatin fr review in a prcess called "verificatin". Yu must submit the last 3 pages f this verificatin
More informationLSI Securities Litigation
Page 1 f 8 ELECTRONIC FILING INSTRUCTIONS I. Imprtant Ntes PLEASE READ In additin t these instructins, please review the details set frth in the claim frm and ntice prir t submitting claims. Electrnic
More informationREFERENCE NUMBER: PFS.PDS.115. TITLE: Patient Billing and Collections CURRENT EFFECTIVE DATE: 01/01/2018. PAGE 1 of 8 SCOPE:
PAGE 1 f 8 SCOPE: This Patient Billing and Cllectins Plicy applies t all Presbyterian Healthcare Services (Presbyterian) hspital facilities, including inpatient, utpatient, hme health care services and
More informationInstruction Page. Verification of 2014 Income Information for Individuals with Unusual Circumstances
Instructin Page Imprtant Nte: Please ntify the financial aid ffice if the student r their parents had a change in marital status after the end f the 2014 tax year n December 31, 2014 and als if the parents
More informationHawaii Division of Financial Institutions 2018 Renewal Checklist
Hawaii Divisin f Financial Institutins 2018 Renewal Checklist Instructins Renewal requests must be submitted thrugh by the date specified by yur state regulatr(s). Click here t review all renewal deadlines,
More informationTRID Rule Purchase For Applications dated on or after 10/3/2015
Fr Applicatins dated n r after 10/3/2015 This dcument prvides a brief verview f the TRID Rule s requirements and specifies the purchase requirements fr CMG Mrtgage, Inc., dba CMG Financial, (CMG). CMG
More informationWebsites 999 Terms of Use
Websites 999 Terms f Use Websites 999 prvides a website creatin and hsting subscriptin service that prvides restaurant wners with a persnalized restaurant website. Yu (the restaurant wner) have accepted
More informationEmployee Benefits Guide. January 1 December 31, 2019
Emplyee Benefits Guide 2019 January 1 December 31, 2019 Medical and Prescriptin Drugs Benefits are insured by: 4 Medical Plan Optins Effective January 1, 2019 Premium Netwrk HDHP 1 Nn-Premium Netwrk Nn-Netwrk
More informationPreparing for Your Early Retirement
Preparing fr Yur Early Retirement Imprtant Infrmatin fr Railrad Emplyees Eligible fr GA-46000 Eligibility fr Railrad Annuity Railrad Retirement Bard https://secure.rrb.gv/ Call yur lcal Railrad Retirement
More informationTerms & Conditions for Gold Plus Savings Account
Terms & Cnditins fr Gld Plus Savings Accunt These Terms and Cnditins (the Terms ) apply t and regulate the peratin f the Gld Plus Savings Accunt with Quantum Optima Facility (the Accunt ) ffered by ICICI
More information1. Accounts Payable > Tasks > Transactions > Recurring Bills
1. Accunts Payable > Tasks > Transactins > Recurring Bills 1. On the Applicatins menu bar pint t Accunts Payable > Tasks > Transactins > Recurring Bills, and then click + t the left f the Recurring Bills.
More informationResolution Adopting a Financial Management Policy
Reslutin Adpting a Financial Management Plicy Reslutin N. 01-2011 A Reslutin Adpting a Financial Management Plicy WHEREAS: gd financial management is necessary fr the success f Rivercliff Estates Hmewner
More informationFINANCIAL SERVICES GUIDE
PART N: iinvest Securities Financial Services Guide (FSG) FINANCIAL SERVICES GUIDE DATED: Octber 2017 Cntents f this FSG This Financial Services Guide ( FSG ) is an imprtant dcument that iinvest Securities
More informationELECTRONIC FILING INSTRUCTIONS
ELECTRONIC FILING INSTRUCTIONS IN RE VIRTUS INVESTMENT PARTNERS, INC. SECURITIES LITIGATION I. Imprtant Ntes PLEASE READ Electrnic claim submissin is available t institutins filing n their wn behalf r
More informationUnderstanding Loan Product Advisor s Determination of Total Monthly Debt for Conventional Loans
Understanding Lan Prduct Advisr s Determinatin f Ttal Mnthly As indicated in Freddie Mac s Single-Family Seller/Servicer Guide (Guide) Sectin 5401.2, the Brrwer's liabilities must be reflected n the Mrtgage
More informationABA Staff Analysis: Interim Rule Amending Regulation Z: Summary Information Regarding Interest Rates and Payment Changes
Summary ABA Staff Analysis: Interim Rule Amending Regulatin Z: Summary Infrmatin Regarding Interest Rates and Payment Changes September 2010 The Bard published interim rule (75 FR 58469-58489) changes
More informationNUMBER: BUSF 3.30 Business and Finance. Other Educational and General Program Accounts ("E" Funds) Date: October 18, 2006 I. PURPOSE OF THE POLICY
NUMBER: BUSF 3.30 SECTION: Business and Finance SUBJECT: Other Educatinal and General Prgram Accunts ("E" Funds) Date: Octber 18, 2006 Plicy fr: Prcedure fr: Authrized by: Issued by: All Campuses All Campuses
More informationThere are two ways to submit your banking information for direct deposit into your personal bank account:
Cmpleting Yur Master Student Financial Assistance (MSFAA) Agreements Alberta and Canada have lifetime Master Student Financial Assistance Agreements (MSFAAs) that will cver yu fr all f the time yu are
More informationELECTRONIC FILING INSTRUCTIONS Commvault Systems, Inc. Securities Litigation
ELECTRONIC FILING INSTRUCTIONS Cmmvault Systems, Inc. Securities Litigatin I. Imprtant Ntes PLEASE READ Electrnic claim submissin is available t institutins filing n their wn behalf r n behalf f thers
More informationUCSD - Audit & Management Advisory Services - Internal Control Questionnaire
Persn Cmpleting ICQ: Date: OBJECTIVES The auditr will use the ICQ answers t assist in accmplishing the fllwing bjectives: T analyze cntrls ver cash receipts T determine that internal cntrls are effective
More informationRegion 5 Student Paper Reimbursement Procedure
Regin 5 Student Paper Reimbursement Prcedure Prcedure fr student cmpetitin awards winners fr receptin f their prize mney frm Regin 5. This includes the prcedure fr Area student papers awards mnies receptin.
More informationCommvault Systems, Inc. Securities Litigation
Page 1 f 8 ELECTRONIC FILING INSTRUCTIONS Cmmvault Systems, Inc. Securities Litigatin I. Imprtant Ntes PLEASE READ Electrnic claim submissin is available t institutins filing n their wn behalf r n behalf
More informationWestern Management PO Box San Jose, California
Fax COMMUNITY NAME PROPERTY MANAGER FROM FAX PAGES PHONE DATE REGARDING Rental Applicatin CC Urgent Fr Review Please Cmment Please Reply Please Recycle Cmments: Western Management PO Bx 26824 San Jse,
More informationELECTRONIC FILING INSTRUCTIONS LOGITECH FAIR FUND
ELECTRONIC FILING INSTRUCTIONS LOGITECH FAIR FUND I. Imprtant Ntes PLEASE READ Page 1 f 8 Electrnic claim submissin is available t institutins filing n their wn behalf r n behalf f thers as well as t claim
More information2.6 When introducing new systems, care must be taken to ensure:
Appendix 3 SRA Guidelines Accunting Prcedures and Systems 1. Intrductin 1.1 These guidelines, published under rule 26 f the SRA Accunts Rules 2011, are intended t be a benchmark r brad statement f gd practice
More informationFOR PLAN ADMINISTRATORS
QDRO INFORMATIONAL KIT FOR PLAN ADMINISTRATORS T ensure cmpliance with requirements impsed by the IRS, we infrm yu that any infrmatin cntained in this cmmunicatin (including any attachments) was nt intended
More informationHOW TO ENROLL IN A TOUCHNET PAYMENT PLAN
HOW TO ENROLL IN A TOUCHNET PAYMENT PLAN G t the TuchNet lgin page. G t https://secure.tuchnet.net/c23067_tsa/web/lgin.jsp OR Lg in t mydelval; under I Want T Pay fr Cllege, click n Set up Payment Plan.
More informationInsulet Corp. Securities Litigation
Page 1 f 8 ELECTRONIC FILING INSTRUCTIONS Insulet Crp. Securities Litigatin READ THESE INSTRUCTIONS CAREFULLY AND IN THE ENTIRETY. YOU MUST COMPLY. Part I - Overview Electrnic claim submissin is available
More informationHRA s and HSA s GALLAGHER BENEFIT SERVICES, INC. ARTHUR J. GALLAGHER & CO. AJG.COM G-FORMS\GBS Forms\Template - Word - 1 margins.
HRA s and HSA s 1. HRA/HSA What Are They? 2. Can I have ther cverage and still cntribute? 3. Can I cntribute t my FSA if s, full r limited? 4. Can I have bth an HRA and an 5. Can I have bth an HSA and
More informationElectronic Services Agreement (INDIVIDUAL)
Electrnic Services Agreement (INDIVIDUAL) This Agreement ("the Agreement") describes yur rights and bligatins as a user f the Online Banking Services, the Bill Payment Service and/r any similar Internet-based
More informationARIZONA FIRE DISTRICT ASSOCIATION FINANCIAL PROCEDURES POLICY
FINANCIAL PROCEDURES POLICY 1. PURPOSE The purpse f these Financial Prcedures is t prvide cnsistent applicatin f cnduct and prper internal cntrls t safeguard the assets f the Arizna Fire District Assciatin
More informationDear Customer, Alsalam Alaikum Wa-Rahmat Allah Wa-Barakatuh,
Dear Custmer, Alsalam Alaikum Wa-Rahmat Allah Wa-Barakatuh, We are pleased t extend ur sincere gratitude and appreciatin fr yur cntinued trust in Bahrain Islamic Bank (BisB). We wuld like t take this pprtunity
More informationVerification Worksheet
2015-2016 Verificatin Wrksheet Independent Student Tracking Grup V1 STAFF USE ONLY Frm Received by Date Yur 2015 2016 Free Applicatin fr Federal Student Aid (FAFSA) was selected fr review in a prcess called
More informationConsumer Buy to Let Mortgage
Cnsumer Buy t Let Mrtgage What is it? Cnsumer buy-t-let (CBTL) mrtgages are any buy-t-let cntracts that are nt entered int by an individual whlly r predminantly fr the purpse f a business. They are usually
More informationYour Retirement Guide. Employees
Yur Retirement Guide Emplyees Retirement is a big step. Over the next few weeks and mnths yu ll be asked t make many imprtant decisins abut yur New Yrk Life benefits and yur financial security. This easy-t-use
More informationInternet Banking Application
Internet Banking Applicatin Last Name First Name Middle Initial Scial Security N. Business Name (If applicable) Tax ID# Current Address City State Zip Cde Hme Phne Cell Phne E-mail Address LIST BELOW ALL
More informationONLINE BANKING AGREEMENT
ONLINE BANKING AGREEMENT This Agreement sets frth the terms and gverns the use f the Online Banking Services that Missin Valley Bank ( us r the Bank ) makes available t its custmers ( yu ) thrugh the Bank
More informationMailing to Group Members about New Vendor for CDH Plans and Blue Rewards Incentive Cards
Date: March 5, 2018 Market: All CDH FACETS Grup Members. Grup members with Blue Rewards Incentive Cards Mailing t Grup Members abut New Vendr fr CDH Plans and Blue Rewards Incentive Cards CareFirst BlueCrss
More informationAPPLICATION FOR ADMISSION 2019
APPLICATION FOR ADMISSION 2019 APPLICANT INFORMATION Last Name: First Name: Date f Birth: (mnth/day/year) Gender: Male Female Citizenship: Hme Cuntry Address: City: State/Prvince: Pstal Cde: Cuntry: E-mail:
More informationNorth Shore Trust and Savings E Sign Act Disclosure Online / Mobile Banking Agreement and Electronic Funds Transfer (EFT) Disclosure
Please take a few minutes t read this User Agreement. When yu're ready, click the I Agree buttn t start enjying the cnvenience and financial security f ESB Online Nrth Shre Trust and Savings E Sign Act
More informationInformation Package CAFETERIA 125 PLANS
Infrmatin Package CAFETERIA 125 PLANS Shaffer Insurance Services, Inc. Benefits Divisin 902 E. Ave Q-9 Palmdale Ca. 93550 Tll Free (866) 412-5872 Office Tel (661) 575 9331 Fax (661) 280 2016 Sectin 125
More informationIRS 2016 FEDERAL TAX TRANSCRIPT INFORMATION
Financial Aid Office P.O. Bx 6905 Radfrd, VA 24142 Phne: (540) 831-5408 Fax: (540) 831-5138 finaid@radfrd.edu RU Financial Aid Website: http://www.radfrd.edu/finaid IRS 2016 FEDERAL TAX TRANSCRIPT INFORMATION
More informationVision Service Plan (VSP) New Group Implementation Guide
Visin Service Plan (VSP) New Grup Implementatin Guide Nrth Ranch Benefits Trust (NRBT) Administered by HealthSmart Benefit Slutins, Inc. Agents shuld submit the cmpleted New Grup Implementatin Guide back
More informationTerms and Conditions 19 December 2018
Stck and Shares Lifetime ISA (Prperty Saver) Terms and Cnditins 19 December 2018 These Terms, tgether with the Applicatin Frm, frm a legal agreement between yu and us which sets ut hw the Lifetime ISA
More informationBest Execution & Client Order Execution Policy. October P age 1 6. BE31/10/17 v1
Best Executin & Client Order Executin Plicy Octber 2017 BE31/10/17 v1 P age 1 6 Cntents 1. Backgrund... 3 2. Order placement... 3 3. Order executin factrs... 3 4. Order executin plicy... 3 5. Order executin
More informationCertification of Beneficial Owner(s)
GENERAL INSTRUCTIONS T help the gvernment fight financial crime, federal regulatin requires certain financial institutins t btain, verify, and recrd infrmatin abut the beneficial wners f legal entity custmers.
More informationInformational Sheet- Application for Pension
33 Plaza La Prensa, Santa Fe, NM 87507 (505) 476-9401 Fax (505)476-9300 Vice (800) 342-3422 Tll-Free www.nmpera.rg Infrmatinal Sheet- Applicatin fr Pensin If yu are cnsidering retiring, PERA requests that
More informationClosing Out Award. The PI will work with ORA in obtaining the applicable resolution. Residuals
Clseut All spnsred prject awards must be frmally clsed-ut as sn as pssible after the prject end date t ensure that all expenses psted t this prject are allwable, n additinal charges are psted, all payments
More informationKANSAS STATE DEPARTMENT OF EDUCATION
Guidelines fr By Schl Districts General investment authrity f lcal gvernments; types f investments authrized; direct investments; pledging securities and requirements; security peak depsit perids; use
More informationDigiCert User Authentication Service Level Agreement
DigiCert User Authenticatin Service Level Agreement Overview and Scpe This DigiCert User Authenticatin service level agreement ( SLA ) applies t DigiCert User Authenticatin prducts/services, such as the
More informationALERT. The SEC s Final Crowdfunding Rules: Still May Not Be a Crowd Pleaser. Author: Issuer and Investor Eligibility.
ALERT Nvember 4, 2015 The SEC s Final Crwdfunding Rules: Still May Nt Be a Crwd Pleaser Authr: Dnna L. Brks (860) 251-5917 dbrks@gdwin.cm On Octber 30, 2015, the Securities and Exchange Cmmissin (the SEC
More informationUBC Properties Trust (UBCPT) Restricted Faculty Second Mortgage Loan Program Summary of Key Terms. November 1, 2013
UBC Prperties Trust (UBCPT) Restricted Faculty Secnd Mrtgage Lan Prgram Summary f Key Terms Nvember 1, 2013 The Prgram is intended t assist full-time tenured and tenure-track faculty at UBC's Vancuver
More informationMOBILE BANKING SERVICES END USER AGREEMENT
MOBILE BANKING SERVICES END USER AGREEMENT This Mbile Banking Services End User Agreement ("Agreement") gverns yur use f the Mbile Banking Services (defined belw) prvided t yu by TruStar Federal Credit
More informationPERKINS REALTY RENTAL PROCEDURES
PERKINS REALTY RENTAL PROCEDURES PERKINS REALTY DOES BUSINESS IN ACCORDANCE WITH THE FAIR HOUSING ACT, AND DOES NOT DISCRIMINATE ON THE BASIS OF SEX, SEXUAL ORIENTATION, MARTIAL STATUS, RACE, CREED, RELIGION,
More informationVOLUMETRIC PRODUCTION PAYMENTS. Liz McGinley
VOLUMETRIC PRODUCTION PAYMENTS Liz McGinley What is a Vlumetric Prductin Payment ( VPP )? A nn-perating, nn-expense bearing, limited term ryalty. It entitles the hlder t a specified vlume f hydrcarbns
More informationTransfer Account Instructions
Transfer Accunt Instructins Nte: A Transfer Matrix (shwing which accunts t use nce apprval/crrectness has been determined) is available at the end f this dcument. A transfer accunt is used fr varius types
More informationHigh Deductible Health Plan/ Health Savings Account Presentation
High Deductible Health Plan/ Health Savings Accunt Presentatin WHY THE CHANGE? Current plan cannt be sustained inflatin and disease states cmpunding effect n cst fr emplyees and Bard HDHC plan structured
More informationINDEPENDENT ACCOUNTANTS' REPORT ON APPLYING AGREED-UPON PROCEDURES
d^^ GRIFFIN & COMPANY, LLC CERTIFIED PUBLIC ACCOUNTANTS Stephen M. Griffin, CPA Rbert J. Furman, CPA INDEPENDENT ACCOUNTANTS' REPORT ON APPLYING AGREED-UPON PROCEDURES T the Bard Members Luisiana State
More informationGUARANTEE AGREEMENT. This guarantee is made between: (1) [ Full Name & Address ] (the Guarantor )
GUARANTEE AGREEMENT This guarantee is made between: (1) [ Full Name & Address ] (the Guarantr ) 2) Derwent Facilities Management Limited (cmpany number 07264667) (Trading as Derwent Students) f N.1 Centr
More informationIRS Draft Form W-9 Request for Taxpayer Identification Number and Certification
Francisca N. Mrdi Vice President & Sr. Tax Cunsel Phne: 202.663.5317 Fax: 202.663.5209 fmrdi@aba.cm December 3, 2010 Internal Revenue Service Rm 5203 P.O. Bx 7604 Ben Franklin Statin, NW Washingtn, DC
More information2017 BUSINESS TAX ORGANIZER
2017 BUSINESS TAX ORGANIZER Instructins: The fllwing infrmatin is required fr preparatin f yur Business Tax Returns. Please fill ut this frm cmpletely and return it with the requested infrmatin fr yur
More informationAPPLICATION FOR RESIDENTIAL TENANCY
Head ffice: 7/29 Cllier Rad, Mrley WA 6062 (08) 9207 2088 Wangara ffice: 1/7 Prindiville Dr, Wangara WA 6065 (08) 9409 7577 admin@xceedre.cm.au 1. PROPERTY DETAILS APPLICATION FOR RESIDENTIAL TENANCY PROPERTY
More information[Type text] TILA/RESPA Integrated Disclosure Rule Quick Reference Guide
[Type text] TILA/RESPA Integrated Disclsure Rule Quick Reference Guide TRID SUMMARY T meet the TILA/RESPA Integrated Disclsure requirements f the Ddd-Frank Wall Street Refrm and Cnsumer Prtectin Act, tw
More informationSaba Software Inc. Settlement
Page 1 f 7 ELECTRONIC FILING INSTRUCTIONS I. Imprtant Ntes PLEASE READ In additin t these instructins, please review the details set frth in the claim frm and ntice prir t submitting claims. Electrnic
More informationWestern Management 1654 The Alameda Suite 100 San Jose, California
Fax COMMUNITY NAME PROPERTY MANAGER FROM FAX PAGES PHONE DATE REGARDING Rental Applicatin CC Urgent Fr Review Please Cmment Please Reply Please Recycle Cmments: Western Management 1654 The Alameda Suite
More information2017 Funding Application Loan Repayment Assistance Program
2017 Funding Applicatin Lan Repayment Assistance Prgram Lewis & Clark Law Schl Deadline May 30, 2017 Eligibility is based n the factrs in the brchure entitled Overview f the Lan Repayment Assistance Prgram
More informationFinancial Service Guide and Product Disclosure Statement
Financial Service Guide and Prduct Disclsure Statement ABN: 63 135 196 397 PO Bx 6290 Upper Mt Gravatt, Queensland 4122 Ph: 07 3040 4320 Fax: 07 3343 8590 Email: admin@integrapay.cm.au Australian Financial
More informationDigital Banking Terms and Conditions (Agreement)
Digital Banking Terms and Cnditins (Agreement) The Digital Banking Agreement ("Agreement") describes yur rights and bligatins as a user f the Digital Banking services ("Service"). It als describes the
More informationEXXONMOBIL SAVINGS PLAN Hardship Withdrawal Form
EXXONMOBIL SAVINGS PLAN Hardship Withdrawal Frm Name: Sc. Sec #: Wrk Phne: ( ) Hme Phne ( ) Yu may request a hardship withdrawal when yur financial need cannt be met thrugh: Reimbursement r cmpensatin
More informationHOME IMPROVEMENT CONTRACT
HOME IMPROVEMENT CONTRACT YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY OF THIS CONTRACT, SIGNED BY BOTH YOU AND THE CONTRACTOR BEFORE ANY WORK MAY BE STARTED. CONTRACTOR S NAME: ADDRESS: PHONE: FAX:
More informationTerms and Conditions governing the MakeMyTrip ICICI Bank Platinum Credit Card Features and Offers Last updated on: November 15, 2018
Terms and Cnditins gverning the MakeMyTrip ICICI Bank Platinum Credit Card Features and Offers Last updated n: Nvember 15, 2018 Onbarding privileges Get 500 My Cash (100% usable MakeMyTrip cash in MyWallet)*
More informationVODACOM BROADBAND FIBRE
VODACOM BROADBAND FIBRE SECTION A: Custmer Details & Package Selectin Surname First Names ID Number Street Address Estate Suburb City Prvince Phne Number (Hme) Phne Number (Wrk) Phne Number (Cell) Email
More informationIQnovate Share Placement Completed
NSX: IQN IQnvate Share Placement Cmpleted 13 March 2013 Further t the Cmpany s previus annuncement, and the expiry f the 12 mnth escrw perid fr existing shares,attached is an Applicatin fr Qutatin f the
More information2016 NEW BUSINESS CLIENT TAX ORGANIZER
229 Huber Village Blvd, Suite 229 * Westerville, Ohi 43081-8075 * Telephne (614) 942-1990 * Facsimile (614) 942-1991 * www..cpaagi.cm * inf@cpaagi.cm 2016 NEW BUSINESS CLIENT TAX ORGANIZER Instructins:
More information1. REIMBURSEMENTS FOR EXPENSES: 2. REQUESTING CHECKS:
Mnetary Plicies and Prcedures PTO funds are intended t benefit the students thrugh the enhancement f schl prgrams and activities. The PTO Officers are the guardians f these funds and have an bligatin t
More informationEmployee Rights & Responsibilities Page 1 of 4 Traumatic Injury/Form CA-1
Emplyee Rights & Respnsibilities Page 1 f 4 Traumatic Injury/Frm CA-1 The Federal Emplyees Cmpensatin Act (FECA) utlines the benefits fr federal emplyees injured in the perfrmance f their duties. The Office
More informationNOTICE OF DATA BREACH
April 18, 2017 «First_Name» «Last_Name» «Hme_Address_1» «Hme_Address_2» «Hme_City», «Hme_State» «Hme_Zip» «Hme_Cuntry» Dear «First_Name» «Last_Name»: NOTICE OF DATA BREACH We are writing t fllw up n an
More informationIDENTIFICATION FORM AUSTRALIAN COMPANY
AUSTRALIAN COMPANY GUIDE TO COMPLETING THIS FORM This frm is fr nly. Fr cmpanies incrprated r registered utside f Australia use the FOREIGN COMPANY IDENTIFICATION FORM. Cmplete ne frm fr each cmpany. Tax
More informationEnding Your Membership in the Plan
Ending Yur Membership in the Plan Yu must be eligible fr a valid disenrllment perid. Yur cverage will end the first day f the mnth after we receive yur request t disenrll. When can yu end yur membership
More information