Amendment to the Comerica Business and Personal Deposit Account Contract

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1 Amendment to the Comerica Business and Personal Deposit Account Contract The following sections of the Comerica Business and Personal Deposit Account Contract ( Contract ) are amended effective upon use of your chip-enabled Card or as of October, 07, whichever occurs first; however, all changes in this amendment will be effective as of October, 07. Sections of the Contract that are not listed in this amendment have not been amended.. In all instances in the Contract, Comerica Check Card is being changed to Comerica Debit Card.. In all instances in the Contract, except for section.34, Visa is being changed to Mastercard. 3. Section.6 is revised to read:.6 Card is any card that is designed to access a Comerica deposit Account for the purpose of electronic funds transfer, including but not limited to a Comerica ATM Card +, Comerica Debit Card, Comerica Business ATM Card +, or Comerica Business Debit Card. 4. Section.38 is revised to read:.38 Interactive Voice Response ( IVR or VoiceBank ) is a service that permits you to obtain Account information and to perform certain transactions by using a touch-tone telephone and a PAC. 5. Section.5 is added:.5 Personal Access Code (PAC) is used to verify your identity when accessing Interactive Voice Response ( IVR ) to perform certain transactions. A PAC is not the same as the PIN connected to your Card. 6. In Section.30, Overdraft Protection, the 4th paragraph is revised to read: If your use of a Card exceeds the Available Balance in your linked Checking Account, the maximum amount that will be transferred from the Overdraft Protection Account to cover this overdrawn amount is $500, even if your Available Balance or available credit in your Overdraft Protection Account is more. You will be responsible for reimbursing us for the amount of the Overdraft in your Account. 7. Section 7.00, Electronic Funds Transfer Policy, is revised in its entirety to read: 7.00 Electronic Funds Transfers Policy. There are several types of electronic funds transfer ( EFT ) services available to you pursuant to the Contract, including, but not limited to, ACH deposits and withdrawals, Electronic Check Conversion including those checks that you authorize the merchant or payee to convert, and other third party initiated transactions, telephone requests, transfers requested from your personal computer, and transfers, deposits, and withdrawals you can make with a Card or PAC. This part of the Contract specifically addresses your rights and obligations with respect to such electronic transactions, but does not govern those circumstances in which we debit your Account for amounts you owe us. By receiving a Card, PAC or PIN issued or authorized by us, after your application for the Card is approved, or by making a deposit or requesting a transfer or withdrawal by telephone or electronically, you agree to the following terms. We may require you to sign separate agreements for certain electronic banking services. The terms and conditions in those agreements will control to the extent they conflict with this Contract. 8. In Section 7.0, Transactions Available, the first sentence, section (c) and section (f) are revised to read: 7.0 Transactions Available. Unless we advise you otherwise, to the extent that we approve your request to do so, you may use your Card to: c. Transfer funds between your linked Accounts whenever you request to use your PAC with IVR. f. Obtain cash using your Card up to the Available Balance in the linked Account or ATM withdrawal limit, whichever is less, on the day the transaction is processed. Refer to Section 7.03 for the daily purchase and ATM withdrawal limits for your account. See Section.30 for overdraft protection limitations using the Card. 9. In Section 7.0.0, Telephone and IVR Transfers and Inquiries, the first sentence is revised to read: Telephone and IVR Transfers and Inquiries. If we have approved your request for a PAC, you can use a touch-tone telephone to obtain information on your Accounts.

2 0. Section 7.03 is added to the Contract as follows: 7.03 Daily Purchase and ATM Withdrawal Limits per Card Deposit Account Type (Primary Account) Purchases (PIN or Signature) ATM Withdrawal ATM Deposit Availability 3 Consumer Statement Savings¹ Money Market Investment Account¹ Access Checking On the Job Banking Premier Checking Comerica Platinum Circle Checking Rich Rewards Checking Executive Signature Checking Account Comerica Asset Management Account High Yield Money Market Investment Account $5,000 $,000 $00 $0,000 $,000 $,000 Deposit Only ATM Card linked to: Business Savings Business Money Market Investment Basic Business Checking Small Business Checking $0 $0 $00 Business Deposit Only ATM Card linked to: Commercial Checking Business Debit Card linked to: Business Savings¹ Small Business Checking All Other Business Accounts Business Money Market Investment¹ Basic Business Checking $0 $0 $5,000 $5,000 $,000 $00 Business Debit Card linked to: Commercial Checking All Other Business Accounts $0,000 $,000 $5,000. In Section 7.0, Our Liability for Failure to Make Transfers, section (c) is revised to read: c. in a Card transaction, the ATM you are using for the transfer does not have enough cash to complete the transaction;. In Section 7.4, Termination, the last sentence is revised to read: If your Card is terminated for non-use, you may still use your current PAC for telephone and IVR transfers and inquiries. 3. Section 7.8, Daily Withdrawal and Transaction Limit, is revised to read: 7.8 Daily Withdrawal and Transaction Limit. For security reasons, there are limits on the amount you may withdraw through an ATM, purchase, or obtain in over-the counter cash advances, in any one day using your Card. We have provided you with your daily Card withdrawal limit. We reserve the right to increase or decrease that limit without prior notice to you. If we change your limit we will notify you in writing. You may reduce your daily withdrawal limit by providing written notice to us. Such reduction will be effective no later than ten days following our receipt. You are limited to 30 Card purchase transactions per day. Note: When you use your Card at certain merchants, including hotels, restaurants, and car rental agencies, the merchant may place a hold on your Account for the expected amount of the transaction which may be greater than the final transaction amount. You agree we may place a hold on sufficient funds to cover the amount of the authorized transaction pending its final settlement even if that amount exceeds the actual amount of the transaction. This could affect the balance available to cover other transactions. 4. Section 7.3 is deleted in its entirety and replaced with the following: 7.3 ATM and Card Safety. When using an ATM: Maintain an awareness of your surroundings, if you observe any problem, go to another ATM or come back later. Be aware of: ATM sites with lighting problems or shrubbery nearby. Suspicious activity, such as anyone trying to look over your shoulder. Anyone sitting in a parked car nearby. If you are, unfortunately, involved in any kind of confrontation with an assailant who demands your money, we suggest that you COMPLY. Never count your cash at the ATM or in public. Closely monitor your bank statements, as well as your balances, and compare receipts against your monthly statement. When using a drive-up ATM: Keep your engine running and doors locked. Leave enough room to maneuver between your car and the vehicle ahead of you. When shopping online: Never provide your card number over the phone or on the Internet, unless to a trusted merchant when you initiate a transaction. End your transactions by logging out of websites rather than simply closing the browser window. Protecting your Personal Identification Number (PIN) Prevent others from seeing you enter your PIN by using your body to shield from their view. Never provide your PIN over the phone or in response to an request. Protect your debit or ATM card as though it were cash. Comerica Bank. Member FDIC. Equal Opportunity Lender. A checking account linked to the debit card is required to make purchases. Daily spending and ATM withdrawal limits are per card up to the Available Balance in the account. 3 Total amount per business day of immediate availability of ATM-deposited funds; determined by the account to which the deposit is made. CBC /7

3 Amendments to the Business Account Service Charges and Interest Information This amendment contains changes to some fees associated with Comerica s business deposit accounts. All updates are denoted with an asterisk (*). Florida Market Effective: January, 07 Comerica Bank Florida Market This Business Account Service Charges and Interest Information Brochure for the Florida Market is effective January, 07, and is part of the Comerica Bank Business and Personal Deposit Account Contract governing the Accounts described in this brochure. The capitalized terms used in this brochure have the same meaning given to them in the Deposit Contract Terms, and are subject to change. Checking Account General Information Fees applicable to all Checking Accounts are listed under Additional Account Fees. The minimum to open any Account is $ Basic Business Checking Account Account Maintenance... No Charge Activity Fee for Each Transaction Exceeding 75 Items after depositing $,500/month Small Business Checking Account Account Maintenance When Average Monthly Ledger Balance of $7,500 or More is Not Maintained... $6.00/month Activity Fee for Each Transaction Exceeding 300 Items after depositing $5,000/month* Small Business Interest Checking Account* (Formerly Business Interest Checking Account) Account Maintenance When Average Monthly Ledger Balance of $5,000 or More is Not Maintained... $.00/month* Activity Fee for Each Transaction Exceeding 300 Items after depositing $5,000/month* Commercial Checking Account Account Maintenance... $5.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Premium Business Interest Checking Account Account Maintenance... $30.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Lawyers Trust Interest Checking Account This interest bearing Checking Account is for individual attorneys and law firms only. Account Maintenance... No Charge NSF (Return of unpaid items) and Paid Overdraft...$0.00/each Zero Balance Account Service Standard Checking Account fees also apply. Master Account Maintenance... $40.00/month* Sub Account Maintenance... $30.00/month* Automatic Credit/Debit Transfer...$0.55/each* Account Analysis Commercial Checking Accounts may receive an earnings credit allowance which is based on the balances maintained in your Account, less ten percent. The earnings credit allowance is subtracted from your total analyzed activity fees (charges associated with your Accounts and services) resulting in your Service Charge. If sufficient balances are maintained in your Account, the costs of the banking services you use may be covered. The earnings credit allowance may not be used to offset certain fees, such as Paid Overdrafts, NSF Returned Items, Overdraft Interest and fees associated with Sweep accounts.

4 COMERICA BANK FLORIDA MARKET JANUARY 07 The earnings credit rate and the basis for the rate are subject to change from time to time without prior notice to you. Current rate information is available from your nearest banking center or by calling the telephone number on the front of your Account statement. Earnings credit is not available for withdrawal. Unless we agree otherwise in writing, earnings credit can only be used for fees incurred during the month covered by analysis. Services may be billed on a consolidated basis and, if requested, presented to you on an account analysis statement. We will charge your Account for fees between the fifth and tenth Business Days of the following month. Savings and Money Market Accounts* Fees applicable to all Savings and Money Market Accounts are listed under Additional Account Fees. The number and type of transfers and debits are subject to limitations. Refer to the Comerica Bank Business and Personal Deposit Account Contract for details. The minimum to open any Account is $ Business Savings Account Account Maintenance Fee When an Average Monthly Ledger Balance of $500 or More is Not Maintained... $5.00/month Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Business Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $0,000 or more is maintained.* Account Maintenance...$8.00/month* Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Premium Business Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $50,000 or more is maintained. Account Maintenance... $5.00/month* Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction CDs Minimum Deposit Fixed Rate... $,000 Flexible Rate... $,000 Interest Information Checking, Savings and Money Market Account Interest Calculation* Interest rates are determined from time to time by the Bank and may change daily. Ask us for current interest rate information. If you close your Account, we will pay interest accrued to your Account through the day prior to withdrawal. Small Business Interest Checking, Premium Business Interest Checking, Business Money Market, Premium Business Money Market and Business Savings Accounts are variable rate Accounts with tiered interest rates earned on the daily Collected Balance. You will receive a monthly account statement and interest will be credited to your Account each month. Interest rate tiers are: $ $4, $50, $99, $5, $4, $00, $499, $5, $4, $500, $999, $5, $49, $,000, and over or $ $49, $,000, $4,999, $50, $99, $5,000, $9,999, $00, $499, $9,999, and over $500, $999, CD Interest Calculation Fixed Rate CDs. The interest rate is based on the amount deposited and term. Interest rates are fixed for the term of the deposit. Flexible Rate CDs. The interest rate is determined by the Bank and may change daily, at the Bank s discretion. Interest rate tiers for Fixed Rate and Flexible Rate CDs: $ $, $50, $99, $, $9, $00, $49, $0, $4, $50, $499, $5, $49, $500, and over Interest on all CDs is compounded and paid monthly. The interest rate paid will depend on the type of Account selected and the Account balance. Sweep Accounts Business Sweep Account Commercial Checking Account fees also apply. Please speak to an account officer for details.

5 COMERICA BANK FLORIDA MARKET JANUARY 07 Target Collected Balance Sweep Maintenance Sweep to Investment Only A, B $5, $50.00/month $0, $5.00/month $0...$75.00/month Sweep to Loan Only $00, $50.00/month $50, $50.00/month $0... $450.00/month Sweep to Investment and Loan A, B $00, $00.00/month $50, $5.00/month $0... $450.00/month Automatic Credit/Debit Transfer...$.50/each Funds swept out of deposit accounts into non-deposit accounts, such as loan accounts or investment accounts, are not deposits for purposes of federal deposit insurance. Holders of such funds, in the event an institution failed, would have general creditor status. Securities are not FDIC insured; are not deposits or obligations of, or guaranteed by, Comerica Bank; and involve risk, including possible loss of principal. Fees related to investments are covered under other agreements. A The checking account portion of the Comerica Business Sweep Account is offered by Comerica Bank. The securities offered as a sweep option on the Comerica Business Sweep Account may be sold by Comerica Securities as agent for Comerica Bank. B Securities offered by Comerica Securities are NOT FDIC insured; are not deposits or obligations of, or guaranteed by Comerica Bank or any of its affiliates; and involve risk including the possible loss of principal. Comerica Securities is a broker/dealer, member FINRA/SIPC, and a subsidiary of Comerica Bank. Additional Account Fees Applicable to Checking, Savings and Money Market Accounts.* Account Activity Fees Incoming Wire Transfers and ACH ACH Intl Transactions Received... $.5/item* ACH Return Item Request... $0.00/item Domestic Wire Transfer...$4.00/wire* International Wire Transfer... $7.00/wire* Book Transfer via Wire 3...$6.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Account Activity Printouts... $5.00/request Account Balance Fee... Varies monthly Account Closing Fee...$5.00/account Banking Center Processing/Research... $80.00/hour+copy charges $0.00 minimum Check Rejects...$0.00/each* Coin Rolls Provided... $0.3/roll* Copy of Check/Other Item or Statement...$8.00/each* Counter Checks... $.00/check CPA Balance Verification...$0.00/request* Deposit Error Correction (Cash and/or Check)...$4.00/each* Dormant Account... $0.00/month Foreign Check Processing Fee...$6.00/item NSF (Return of unpaid items) and Paid Overdraft 5 st Occurrence:... $5.00/item nd 4th Occurrence:...$33.00/item 5th or Greater Occurrence:... $37.00/item Overdraft/Uncollected Funds Interest... Comerica Bank Prime % Overdraft Transfer Fee 7...$3.00/transfer* Special Statement Production/Handling... $.00/each* Check Image Printing...$5.00/month* Manual Stop Payment for Six Months...$34.00/each Telephone Inquiries... $5.00/inquiry* Telephone Transfer...$7.00/transfer* Withdrawal Subject to Legal Process (Garnishments, tax levies, injunctions, subpoenas, etc.)...$00.00/each ATM/Check Card Transactions at U.S. ATMs Other Than Comerica ATMs (Withdrawal; Balance Inquiry; Account Transfer)...$.00/each Replace ATM or Check Card...$5.00/each Expedited Delivery Upon Request...Charges Vary International (Non U.S.) ATM Transaction Fee...$5.00/each International (Non U.S.) Point-of-Sale Transaction Fee... 3% ($.00 minimum) Surcharge... Varies by owner of ATM Online Banking These services are subject to additional terms that are provided when obtaining the service(s). Comerica Web Banking...NO MONTHLY FEE (Fees may apply for using the Comerica External Transfer service offered through Comerica Web Banking ). Comerica Web Bill Pay... $6.95/month Additional fees may apply for expedited payment delivery Comerica Web Pay Express... $5.00/month Additional fees may apply for expedited payment delivery Comerica Web Invoicing... $5.00/month Quicken for Business Banking...$0.95/month Quicken for Business Banking With Bill Pay...$5.95/month QuickBooks Banking...$0.95/month QuickBooks Banking With Bill Pay... $0.95/month Return Item Handling Returned Item... $3.00/item* Returned Item Re-presented...$7.00/item* Returned Item Fax Notification... $6.00/item* Returned Item Additional Advice... $5.00/item* Money Service Business (MSB) Designation Fee MSB Designation Fee... $50.00/month Applies to all Checking, Savings and Money Market accounts belonging to Money Service Businesses (MSBs). 3

6 COMERICA BANK FLORIDA MARKET JANUARY 07 Other Services and Charges The following services and their fees are not covered by the terms of the Comerica Bank Business and Personal Deposit Account Contract, and may require you to enter into a written agreement with Comerica Bank in order to receive these services. The fees for the following services may change at any time without prior notice unless we have otherwise agreed with you in writing. Collections Domestic checks are handled on a collection basis only upon request. Domestic Incoming...$35.00/each* Domestic Outgoing...$35.00/each* Foreign Incoming...Varies Foreign Outgoing...Varies Miscellaneous Fees Cashier s Checks8...$0.00/each Photocopies (Where available)... $3.00/item* Outgoing Wire Transfers Domestic** Non-Repetitive Wire Transfer...$9.00/wire* Repetitive Wire Transfer 9...$4.00/wire* Book Transfer via Wire 3...$6.50/wire* Automated Standing Transfer 0...$0.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $7.50/trace* Cancel Wire Transfer...$5.00/each Check, deposit ticket, endorsement stamp and disposable bag costs will be charged to your Account. The cost will vary based on specific style and quantity. Additional charges will be assessed for other miscellaneous services. Ask us for additional information. * Item description or pricing has been updated from 06 Business Account Service Charges and Interest Information ** Wire Transfers conducted without a signed Wire Transfer Agreement will be subject to the terms of the Comerica Bank Business and Personal Deposit Account Contract governing the Account to be debited for the transfer but excluding any requirement to give advance notice of fee changes for the service except where required by law. Beneficiaries of international wire transfers may be assessed additional fees by the beneficiary and/or intermediary banks. 3 A Book Transfer via Wire is a wire transfer between two Comerica accounts that is processed internally by the Bank (some restrictions apply). 4 All domestic and international wire transfers are required to receive a Wire Transfer Mail Advice, unless the customer signs a Bank exception form. 5 An occurrence is defined as a day on which your Account had at least one overdraft or non-sufficient funds item. Occurrences are collected and used based on a rolling twelve-month period. 6 This is a rate that may be determined at Comerica Bank s discretion taking into account various factors, including, but not limited to, the federal funds rate. 7 Automatic Overdraft Protection is offered on Comerica Business Checking accounts. This service allows us to link your Comerica savings/mmia or Comerica credit card issued by Elan Financial Services to pay items that may overdraw your checking account. 8 This service is available for non-customers only if the source of the funds is a Comerica check. 9 For repetitive wire transfers, the customer must sign a repetitive wire transfer template form which will be used by the Bank to create a unique code that must be provided when calling our wire room. See the Global Funds Transfer User Guide for additional information. 0 For Automated Standing Transfers, customers must sign a Wire Transfer Implementation Automated Standing Transfer Instruction Worksheet describing the account and frequency of these automatically processed wire transfers. See the Global Funds Transfer User Guide for additional information. Outgoing Wire Transfers International** Non-Repetitive Wire Transfer...$50.00/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $55.00/trace* Cancel Wire Transfer...$50.00/each 4 Comerica Bank is a Member FDIC. Equal Opportunity Lender. CBC /6

7 Amendments to the Business Account Service Charges and Interest Information This amendment contains changes to some fees associated with Comerica s business deposit accounts. All updates are denoted with an asterisk (*). Items with a symbol denote that the description or pricing change applies to Southeast Michigan accounts only. Michigan Market Effective: January, 07 Comerica Bank Michigan Market This Business Account Service Charges and Interest Information Brochure for the Michigan Market is effective January, 07, and is part of the Comerica Bank Business and Personal Deposit Account Contract governing the Accounts described in this brochure. The capitalized terms used in this brochure have the same meaning given to them in the Deposit Contract Terms, and are subject to change. Checking Account General Information Fees applicable to all Checking Accounts are listed under Additional Account Fees. The minimum to open any Account is $ Basic Business Checking Account Account Maintenance... No Charge Activity Fee for Each Transaction Exceeding 75 Items after depositing $,500/month Small Business Checking Account Account Maintenance When Average Monthly Ledger Balance of $7,500 or More is Not Maintained... $6.00/month Activity Fee for Each Transaction Exceeding 300 Items after depositing $5,000/month* Small Business Interest Checking Account* (Formerly Business Interest Checking Account) Account Maintenance When Average Monthly Ledger Balance of $5,000 or More is Not Maintained... $.00/month* Activity Fee for Each Transaction Exceeding 300 Items* after depositing $5,000/month* Commercial Checking Account Account Maintenance... $5.00/month Debit...$0.5/item Credit (Paper)... $.50/item* Premium Business Interest Checking Account Account Maintenance... $30.00/month Debit...$0.5/item Credit (Paper)... $.50/item* Public Fund Interest Checking Account Account Maintenance... $30.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Lawyers Trust Interest Checking Account This interest bearing Checking Account is for individual attorneys and law firms only. Account Maintenance, Credits, Debits or Items Deposited... No Charge NSF (Return of unpaid items) and Paid Overdraft...$0.00/each Zero Balance Account Service Standard Checking Account fees also apply. Master Account Maintenance... $40.00/month Sub Account Maintenance... $30.00/month Automatic Credit/Debit Transfer...$0.55/each*

8 COMERICA BANK MICHIGAN MARKET JANUARY 07 Account Analysis Commercial Checking and Commercial Money Market Accounts may receive an earnings credit allowance which is based on the balances maintained in your Account, less ten percent. The earnings credit allowance is subtracted from your total analyzed activity fees (charges associated with your Accounts and services) resulting in your Service Charge. If sufficient balances are maintained in your Account, the costs of the banking services you use may be covered. The earnings credit allowance may not be used to offset certain fees, such as Paid Overdrafts, NSF Returned Items, Overdraft Interest and fees associated with Sweep accounts. The earnings credit rate and the basis for the rate are subject to change from time to time without prior notice to you. Current rate information is available from your nearest banking center or by calling the telephone number on the front of your Account statement. Earnings credit is not available for withdrawal. Unless we agree otherwise in writing, earnings credit can only be used for fees incurred during the month covered by analysis. Services may be billed on a consolidated basis and, if requested, presented to you on an Account analysis statement. Fees will be charged between the fifth and tenth Business Days of the following month. Savings and Money Market Accounts* Fees applicable to all Savings and Money Market Accounts are listed under Additional Account Fees. The number and type of transfers and debits are subject to limitations. Refer to the Comerica Bank Business and Personal Deposit Account Contract for details. The minimum to open any Account is $ Business Savings Account Account Maintenance When an Average Monthly Ledger Balance of $500 or More is Not Maintained... $5.00/month Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)...$5.00/withdrawal Business Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $0,000 or more is maintained. Account Maintenance... $8.00/month Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)...$5.00/withdrawal Premium Business Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $50,000 or more is maintained. Account Maintenance... $5.00/month Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)...$5.00/withdrawal Commercial Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $00,000 or more is maintained. Account Maintenance... $30.00/month Item Deposited (each paper item, after 0 free per month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)...$5.00/withdrawal CDs Minimum Deposit Fixed Rate... $,000 Flexible Rate... $,000 Municipality Jumbo Days...$00,000 Interest Information Checking, Savings and Money Market Account Interest Calculation* Interest rates are determined from time to time by the Bank and may change daily. Ask us for current interest rate information. If you close your Account, we will pay interest accrued to your Account through the day prior to withdrawal. Small Business Interest Checking, Premium Business Interest Checking, Public Fund Interest Checking, Business Money Market, Premium Business Money Market, Commercial Money Market and Business Savings Accounts are variable rate Accounts with tiered interest rates earned on the daily Collected Balance. You will receive a monthly Account statement and interest will be credited to your Account each month. Interest rate tiers are: $ $4, $50, $99, $5, $4, $00, $499, $5, $4, $500, $999, $5, $49, $,000, and over or $ $49, $,000, $4,999, $50, $99, $5,000, $9,999, $00, $499, $9,999, and over $500, $999,999.99

9 COMERICA BANK MICHIGAN MARKET JANUARY 07 CD Interest Calculation Fixed Rate and Municipality Jumbo CDs. The interest rate is based on the amount deposited and term. Interest rates are fixed for the term of the deposit. Flexible Rate CDs. The interest rate is determined by the Bank and may change daily, at the Bank s discretion. Interest rate tiers for Fixed Rate and Flexible Rate CDs: $ $, $50, $99, $, $9, $00, $49, $0, $4, $50, $499, $5, $49, $500, and over There is no tiering on Municipality Jumbo CDs. Interest on all CDs is compounded and paid monthly. The interest rate paid will depend on the type of Account selected and the Account balance. Sweep Accounts Business Sweep Account Commercial Checking Account fees also apply. Please speak to an account officer for details. Target Collected Balance Sweep Maintenance Sweep to Investment Only A, B $5, $50.00/month $0, $5.00/month $0...$75.00/month Sweep to Loan Only $00, $50.00/month $50, $50.00/month $0... $450.00/month Sweep to Investment and Loan A, B $00, $00.00/month $50, $5.00/month $0... $450.00/month Automatic Credit/Debit Transfer...$.50/each Funds swept out of deposit accounts into non-deposit accounts, such as loan accounts or investment accounts, are not deposits for purposes of federal deposit insurance. Holders of such funds, in the event an institution failed, would have general creditor status. Securities are not FDIC insured; are not deposits or obligations of, or guaranteed by, Comerica Bank; and involve risk, including possible loss of principal. Fees related to investments are covered under other agreements. A The checking account portion of the Comerica Business Sweep Account is offered by Comerica Bank. The securities offered as a sweep option on the Comerica Business Sweep Account may be sold by Comerica Securities as agent for Comerica Bank. B Securities offered by Comerica Securities are NOT FDIC insured; are not deposits or obligations of, or guaranteed by Comerica Bank or any of its affiliates; and involve risk including the possible loss of principal. Comerica Securities is a broker/dealer, member FINRA/SIPC, and a subsidiary of Comerica Bank. 3 Additional Account Fees Applicable to Checking, Savings and Money Market Accounts.* Account Activity Fees Incoming Wire Transfers and ACH ACH Intl Transactions Received... $.5/item* ACH Return Item Request... $0.00/item Domestic Wire Transfer...$4.00/wire* International Wire Transfer... $7.00/wire* Book Transfer via Wire 3...$6.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Account Activity Printouts... $3.00/request Account Balance Fee... Varies monthly Banking Center Processing/Research...$80.00/hour + copy charges $0.00 minimum Check Rejects...$0.00/each* Deposit Item Rejects...$0.00/each* Cash Orders $ $ $.5/order* $ $ $.5/order* $, $4, $4.50/order* $5, $9, $7.00/order* $0, and Over... $9.00/order* Coin Rolls Provided... $0.3/roll* Coin (Vault Processing)... $5.00/bag Copy of Check/Other Item or Statement...$8.00/each* Counter Checks... $.00/check CPA Balance Verification...$0.00/request* Deposit Error Correction (Cash and/or Check)...$4.00/each* Foreign Check Processing Fee...$6.00/item NSF (Return of unpaid items) and Paid Overdraft 5 st Occurrence:... $5.00/item nd - 4th Occurrence:...$33.00/item 5th or Greater Occurrence:... $37.00/item Overdraft/Uncollected Funds Interest... Comerica Bank Prime % Overdraft Transfer Fee 7...$3.00/transfer* Special Statement Production/Handling... $.00/each* Check Image Printing...$5.00/month* Manual Stop Payment for Six Months...$34.00/each Telephone Transfer...$7.00/transfer* Withdrawal Subject to Legal Process (Garnishments, tax levies, injunctions, subpoenas etc.)...$00.00/each ATM/Check Card Transactions at U.S. ATMs Other Than Comerica ATMs (Withdrawal; Balance Inquiry; Account Transfer)...$.00/each Replace ATM or Check Card...$5.00/each Expedited Delivery Upon Request...Charges Vary International (Non U.S.) ATM Transaction Fee...$5.00/each International (Non U.S.) Point-of-Sale Transaction Fee... 3% ($.00 minimum) Surcharge... Varies by owner of ATM

10 COMERICA BANK MICHIGAN MARKET JANUARY 07 Online Banking These services are subject to additional terms that are provided when obtaining the service(s). Comerica Web Banking...NO MONTHLY FEE (Fees may apply for using the Comerica External Transfer service offered through Comerica Web Banking ). Comerica Web Bill Pay... $6.95/month Additional fees may apply for expedited payment delivery Comerica Web Pay Express... $5.00/month Additional fees may apply for expedited payment delivery Comerica Web Invoicing... $5.00/month Quicken for Business Banking...$0.95/month Quicken for Business Banking With Bill Pay...$5.95/month QuickBooks Banking...$0.95/month QuickBooks Banking With Bill Pay... $0.95/month Return Item Handling Returned Item... $3.00/item* Returned Item Re-presented...$7.00/item* Returned Item Fax Notification... $6.00/item* Returned Item Additional Advice... $5.00/item* Money Service Business (MSB) Designation Fee MSB Designation Fee... $50.00/month Applies to all Checking, Savings and Money Market accounts belonging to Money Service Businesses (MSBs). Other Services and Charges The following services and their fees are not covered by the terms of the Comerica Bank Business and Personal Deposit Account Contract, and may require you to enter into a written agreement with Comerica Bank in order to receive these services. The fees for the following services may change at any time without prior notice unless we have otherwise agreed with you in writing. Collections Domestic checks are handled on a collection basis only upon request. Domestic Incoming...$35.00/each* Domestic Outgoing...$35.00/each* Foreign Incoming...Varies Foreign Outgoing...Varies Miscellaneous Fees Cashier s Check 8...$0.00/each Check Cashing (Non-account holder check drawn on Comerica Bank)...$0.00/check Foreign Draft...$65.00/each Photocopies (Where available)... $3.00/item* Outgoing Wire Transfers Domestic** Non-Repetitive Wire Transfer...$9.00/wire* Repetitive Wire Transfer 9...$4.00/wire* Book Transfer via Wire 3...$6.50/wire* Automated Standing Transfer 0...$0.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $7.50/trace* Cancel Wire Transfer...$5.00/each Outgoing Wire Transfers International** Non-Repetitive Wire Transfer...$50.00/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $55.00/trace* Cancel Wire Transfer...$50.00/each Check, deposit ticket, endorsement stamp and disposable bag costs will be charged to your Account. The cost will vary based on specific style and quantity. Additional charges will be assessed for other miscellaneous services. Ask us for additional information. * Item description or pricing has been updated from 06 Business Account Service Charges and Interest Information Change applies to Southeast Michigan accounts only. **.Wire Transfers conducted without a signed Wire Transfer Agreement will be subject to the terms of the Comerica Bank Business and Personal Deposit Account Contract governing the Account to be debited for the transfer but excluding any requirement to give advance notice of fee changes for the service except where required by law. Beneficiaries of international wire transfers may be assessed additional fees by the beneficiary and/or intermediary banks. 3 A Book Transfer via Wire is a wire transfer between two Comerica accounts that is processed internally by the Bank (some restrictions apply). 4 All domestic and international wire transfers are required to receive a Wire Transfer Mail Advice, unless the customer signs a Bank exception form. 5 An occurrence is defined as a day on which your Account had at least one overdraft or non-sufficient funds item. Occurrences are collected and used based on a rolling twelve-month period. 6 This is a rate that may be determined at Comerica Bank s discretion taking into account various factors, including, but not limited to, the federal funds rate. 7 Automatic Overdraft Protection is offered on Comerica Business Checking accounts. This service allows us to link your Comerica savings/mmia or Comerica credit card issued by Elan Financial Services to pay items that may overdraw your checking account. 8 This service is available for non-customers only if the source of the funds is a Comerica check. 9 For repetitive wire transfers, the customer must sign a repetitive wire transfer template form which will be used by the Bank to create a unique code that must be provided when calling our wire room. See the Global Funds Transfer User Guide for additional information. 0 For Automated Standing Transfers, customers must sign a Wire Transfer Implementation Automated Standing Transfer Instruction Worksheet describing the account and frequency of these automatically processed wire transfers. See the Global Funds Transfer User Guide for additional information. 4 Comerica Bank is a Member FDIC. Equal Opportunity Lender. CBC-6-0 0/6

11 Amendments to the Business Account Service Charges and Interest Information This amendment contains changes to some fees associated with Comerica s business deposit accounts. All updates are denoted with an asterisk (*). Texas Market Effective: January, 07 Comerica Bank Texas Market This Business Account Service Charges and Interest Information Brochure for the Texas Market is effective January, 07, and is part of the Comerica Bank Business and Personal Deposit Account Contract governing the Accounts described in this brochure. The capitalized terms used in this brochure have the same meaning given to them in the Deposit Contract Terms, and are subject to change. Checking Account General Information Fees applicable to all Checking Accounts are listed under Additional Account Fees. The minimum to open any Account is $ Basic Business Checking Account Account Maintenance... No Charge Activity Fee for Each Transaction Exceeding 75 Items after depositing $,500/month* Small Business Checking Account Account Maintenance When Average Monthly Ledger Balance of $7,500 or More is Not Maintained... $6.00/month Activity Fee for Each Transaction Exceeding 300 Items Deposited Items and Credits...$0.55/item after depositing $5,000/month* Small Business Interest Checking Account* (Formerly Business Interest Checking Account) Account Maintenance When Average Monthly Ledger Balance of $5,000 or More is Not Maintained... $.00/month* Activity Fee for Each Transaction Exceeding 300 Items after depositing $5,000/month* Commercial Checking Account Account Maintenance... $5.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Premium Business Interest Checking Account Account Maintenance... $30.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Item Deposit (each paper item)... $0.0/item* Public Fund Interest Checking Account Account Maintenance... $30.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Lawyers Trust Interest Checking Account This interest bearing Checking Account is for individual attorneys and law firms only. Account Maintenance, Credits, Debits or Items Deposited... No Charge NSF (Return of unpaid items) and Paid Overdraft...$0.00/each Zero Balance Account Service Standard Checking Account fees also apply. Master Account Maintenance... $40.00/month Sub Account Maintenance... $30.00/month Automatic Credit/Debit Transfer...$0.55/each*

12 COMERICA BANK TEXAS MARKET JANUARY 07 Account Analysis Commercial Checking and Commercial Money Market Accounts may receive an earnings credit allowance which is based on the balances maintained in your Account, less ten percent. The earnings credit allowance is subtracted from your total analyzed activity fees (charges associated with your Accounts and services) resulting in your Service Charge. If sufficient balances are maintained in your Account, the costs of the banking services you use may be covered. The earnings credit allowance may not be used to offset certain fees, such as Paid Overdrafts, NSF Returned Items, Overdraft Interest and fees associated with Sweep accounts. The earnings credit rate and the basis for the rate are subject to change from time to time without prior notice to you. Current rate information is available from your nearest banking center or by calling the telephone number on the front of your Account statement. Earnings credit is not available for withdrawal. Unless we agree otherwise in writing, earnings credit can only be used for fees incurred during the month covered by analysis. Services may be billed on a consolidated basis and, if requested, presented to you on an Account analysis statement. Fees will be charged between the fifth and tenth Business Days of the following month. Savings and Money Market Accounts* Fees applicable to all Savings and Money Market Accounts are listed under Additional Account Fees. The number and type of transfers and debits are subject to limitations. Refer to the Comerica Bank Business and Personal Deposit Account Contract for details. The minimum to open any Account is $ Business Savings Account Account Maintenance When an Average Monthly Ledger Balance of $500 or More is Not Maintained... $5.00/month Item Deposited (each paper item, after 0 free/month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Business Money Market Account Account Maintenance is waived if an Average Monthly Ledger Balance of $0,000 or more is maintained.* Account Maintenance...$8.00/month* Item Deposited (each paper item, after 0 free/month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Premium Business Money Market Account Account Maintenance is waived if an Average Monthly Ledger Balance of $50,000 or more is maintained.* Account Maintenance... $5.00/month Item Deposited (each paper item, after 0 free/month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Commercial Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $00,000 or more is maintained. Account Maintenance... $30.00/month Item Deposited (each paper item, after 0 free/month)... $0.0/item* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction CDs Minimum Deposit Fixed Rate... $,000 Flexible Rate... $,000 Municipality Jumbo Days...$00,000 Interest Information Checking, Savings and Money Market Account Interest Calculation* Interest rates are determined from time to time by the Bank and may change daily. Ask us for current interest rate information. If you close your Account, we will pay interest accrued to your Account through the day prior to withdrawal. Small Business Interest Checking, Premium Business Interest Checking, Public Fund Interest Checking, Business Money Market, Premium Business Money Market, Commercial Money Market and Business Savings Accounts are variable rate Accounts with tiered interest rates earned on the daily Collected Balance. You will receive a monthly Account statement and interest will be credited to your Account each month. Interest rate tiers are: $ $4, $50, $99, $5, $4, $00, $499, $5, $4, $500, $999, $5, $49, $,000, and over or $ $49, $,000, $4,999, $50, $99, $5,000, $9,999, $00, $499, $9,999, and over $500, $999,999.99

13 COMERICA BANK TEXAS MARKET JANUARY 07 CD Interest Calculation Fixed Rate and Municipality Jumbo CDs. The interest rate is based on the amount deposited and term. Interest rates are fixed for the term of the deposit. Flexible Rate CDs. The interest rate is determined by the Bank and may change daily, at the Bank s discretion. Interest rate tiers for Fixed Rate and Flexible Rate CDs: $ $, $50, $99, $, $9, $00, $49, $0, $4, $50, $499, $5, $49, $500, and over There is no tiering on Municipality Jumbo CDs. Interest on all CDs is compounded and paid monthly. The interest rate paid will depend on the type of Account selected and the Account balance. Sweep Accounts Business Sweep Account Commercial Checking Account fees also apply. Please speak to an account officer for details. Target Collected Balance Sweep Maintenance Sweep to Investment Only A, B $5, $00.00/month $0, $5.00/month $0...$75.00/month Sweep to Loan Only $00, $50.00/month $50, $50.00/month $0... $450.00/month Sweep to Investment and Loan A, B $00, $00.00/month $50, $5.00/month $0... $450.00/month Automatic Credit/Debit Transfer...$0.50/each Funds swept out of deposit accounts into non-deposit accounts, such as loan accounts or investment accounts, are not deposits for purposes of federal deposit insurance. Holders of such funds, in the event an institution failed, would have general creditor status. Securities are not FDIC insured; are not deposits or obligations of, or guaranteed by, Comerica Bank; and involve risk, including possible loss of principal. Fees related to investments are covered under other agreements. A The checking account portion of the Comerica Business Sweep Account is offered by Comerica Bank. The securities offered as a sweep option on the Comerica Business Sweep Account may be sold by Comerica Securities as agent for Comerica Bank. B Securities offered by Comerica Securities are NOT FDIC insured; are not deposits or obligations of, or guaranteed by Comerica Bank or any of its affiliates; and involve risk including the possible loss of principal. Comerica Securities is a broker/dealer, member FINRA/SIPC, and a subsidiary of Comerica Bank. Additional Account Fees Applicable to Checking, Savings and Money Market Accounts.* Account Activity Fees Incoming Wire Transfers and ACH ACH Intl Transactions Received... $.5/item* ACH Return Item Request... $0.00/item Domestic Wire Transfer...$4.00/wire* International Wire Transfer... $7.00/wire* Book Transfer via Wire 3...$6.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Account Activity Printouts... $3.00/request Account Balance Fee... Varies Monthly Account Closed Within Six Months...$0.00 Banking Center Processing/Research...$80.00/hour + copy charges $0.00 minimum Check Rejects...$0.00/each* Deposit Item Rejects...$0.00/each* Coin Rolls Provided...$0.3/each* Coin (Vault Processing)... $5.00/bag Currency Straps Provided...$0.50/each* Copy of Check/Other Item or Statement...$8.00/each* Counter Checks... $.00/check CPA Balance Verification...$0.00/request* Deposit Error Correction (Cash and/or Check)...$4.00/each* Foreign Check Processing Fee...$6.00/item NSF (Return of unpaid items) and Paid Overdraft 5 st Occurrence:... $5.00/item nd 4th Occurrence:...$33.00/item 5th or Greater Occurrence:... $37.00/item Overdraft/Uncollected Funds Interest... Comerica Bank Prime % Overdraft Transfer Fee 7...$3.00/transfer* Special Statement Production/Handling... $.00/each* Check Image Printing...$5.00/month* Manual Stop Payment for Six Months...$34.00/each Telephone Transfer...$7.00/transfer* Withdrawal Subject to Legal Process (Garnishments, tax levies, injunctions, subpoenas, etc.)...$00.00/each ATM/Check Card Transactions at U.S. ATMs Other Than Comerica ATMs (Withdrawal; Balance Inquiry; Account Transfer)...$.00/each Replace ATM or Check Card...$5.00/each Expedited Delivery Upon Request...Charges Vary International (Non U.S.) ATM Transaction Fee...$5.00/each International (Non U.S.) Point-of-Sale Transaction Fee... 3% ($.00 minimum) Surcharge... Varies by owner of ATM 3

14 COMERICA BANK TEXAS MARKET JANUARY 07 Online Banking These services are subject to additional terms that are provided when obtaining the service(s). Comerica Web Banking...NO MONTHLY FEE (Fees may apply for using the Comerica External Transfer service offered through Comerica Web Banking ) Comerica Web Bill Pay... $6.95/month Additional fees may apply for expedited payment delivery Comerica Web Pay Express... $5.00/month Additional fees may apply for expedited payment delivery Comerica Web Invoicing... $5.00/month Quicken for Business Banking...$0.95/month Quicken for Business Banking With Bill Pay...$5.95/month QuickBooks Banking...$0.95/month QuickBooks Banking With Bill Pay... $0.95/month Return Item Handling Returned Item... $3.00/item* Returned Item Re-presented...$7.00/item* Returned Item Fax Notification... $6.00/item* Returned Item Additional Advice... $5.00/item* Money Service Business (MSB) Designation Fee MSB Designation Fee... $50.00/month Applies to all Checking, Savings and Money Market accounts belonging to Money Service Businesses (MSBs). Other Services and Charges The following services and their fees are not covered by the terms of the Comerica Bank Business and Personal Deposit Account Contract, and may require you to enter into a written agreement with Comerica Bank in order to receive these services. The fees for the following services may change at any time without prior notice unless we have otherwise agreed with you in writing. Collections Domestic checks are handled on a collection basis only upon request. Domestic Incoming...$35.00/each* Domestic Outgoing...$35.00/each* Foreign Incoming...Varies Foreign Outgoing...Varies Miscellaneous Fees Bond Coupon Paying... $5.00/envelope Check Cashing (Non-account holder check drawn on Comerica Bank)...$0.00/check* Cashier s Check 8...$0.00/each Foreign Draft...$65.00/each Photocopies (Where available)... $3.00/item* Telephone Inquiries...$5.00/each* Outgoing Wire Transfers Domestic** Non-Repetitive Wire Transfer...$9.00/wire* Repetitive Wire Transfer 9...$4.00/wire* Book Transfer via Wire 3...$6.50/wire* Automated Standing Transfer 0...$0.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $7.50/trace* Cancel Wire Transfer...$5.00/each Outgoing Wire Transfers International** Non-Repetitive Wire Transfer...$50.00/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $55.00/trace* Cancel Wire Transfer...$50.00/each Check, deposit ticket, endorsement stamp and disposable bag costs will be charged to your Account. The cost will vary based on specific style and quantity. Additional charges will be assessed for other miscellaneous services. Ask us for additional information. * Item description or pricing has been updated from 06 Business Account Service Charges and Interest Information. ** Wire Transfers conducted without a signed Wire Transfer Agreement will be subject to the terms of the Comerica Bank Business and Personal Deposit Account Contract governing the Account to be debited for the transfer but excluding any requirement to give advance notice of fee changes for the service except where required by law. Beneficiaries of international wire transfers may be assessed additional fees by the beneficiary and/or intermediary banks. 3 A Book Transfer via Wire is a wire transfer between two Comerica accounts that is processed internally by the Bank (some restrictions apply). 4 All domestic and international wire transfers are required to receive a Wire Transfer Mail Advice, unless the customer signs a Bank exception form. 5 An occurrence is defined as a day on which your Account had at least one overdraft or non-sufficient funds item. Occurrences are collected and used based on a rolling twelve-month period. 6 This is a rate that may be determined at Comerica Bank s discretion taking into account various factors, including, but not limited to, the federal funds rate. 7 Automatic Overdraft Protection is offered on Comerica Business Checking accounts. This service allows us to link your Comerica savings/mmia or Comerica credit card issued by Elan Financial Services to pay items that may overdraw your checking account. 8 This service is available for non-customers only if the source of the funds is a Comerica check. 9 For repetitive wire transfers, the customer must sign a repetitive wire transfer template form which will be used by the Bank to create a unique code that must be provided when calling our wire room. See the Global Funds Transfer User Guide for additional information. 0 For Automated Standing Transfers, customers must sign a Wire Transfer Implementation Automated Standing Transfer Instruction Worksheet describing the account and frequency of these automatically processed wire transfers. See the Global Funds Transfer User Guide for additional information. 4 Comerica Bank is a Member FDIC. Equal Opportunity Lender. CBC /6

15 Amendments to the Business Account Service Charges and Interest Information This amendment contains changes to some fees associated with Comerica s business deposit accounts. All updates are denoted with an asterisk (*). Western Market/ California & Arizona Effective: January, 07 Comerica Bank Western Market: California and Arizona This Business Account Service Charges and Interest Information Brochure for the Western Market (California & Arizona) is effective January, 07, and is part of the Comerica Bank Business and Personal Deposit Account Contract governing the Accounts described in this brochure. The capitalized terms used in this brochure have the same meaning given to them in the Deposit Contract Terms, and are subject to change. Checking Account General Information Fees applicable to all Checking Accounts are listed under Additional Account Fees. The minimum to open any Account is $ Basic Business Checking Account Account Maintenance... No Charge Activity Fee for Each Transaction Exceeding 75* Items Cash Deposited...$.80/$,000 or part thereof after depositing $,500/month* Small Business Checking Account Account Maintenance When Average Monthly Ledger Balance of $7,500 or More is Not Maintained... $6.00/month Activity Fee for Each Transaction Exceeding 300 Items Cash Deposited...$.80/$,000 or part thereof after depositing $5,000/month* Small Business Interest Checking Account* (Formerly Business Interest Checking Account) Account Maintenance When Average Monthly Ledger Balance of $5,000 or More is Not Maintained... $.00/month* Activity Fee for Each Transaction Exceeding 300 Items during the Month. Transactions Include Debits, Cash Deposited...$.80/$,000 or part thereof after depositing $5,000/month* Commercial Checking Account Account Maintenance... $5.00/month Debit... $0.5/item* Credit (Paper)... $.50/item* Cash Deposited...$.80/$,000 or part thereof* Premium Business Interest Checking Account Account Maintenance... $30.00/month Debit... $0.5/item* Credit (Paper)... $.50/item* Cash Deposited...$.80/$,000 or part thereof* Commercial Interest Checking Account Account Maintenance... $35.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Cash Deposited...$.80/$,000 or part thereof* Public Fund Interest Checking Account Account Maintenance... $30.00/month* Debit... $0.5/item* Credit (Paper)... $.50/item* Cash Deposited...$.80/$,000 or part thereof* Lawyers Trust Interest Checking Account This interest bearing Checking Account is for individual attorneys and law firms only. Account Maintenance, Credits, Debits or Items Deposited... No Charge NSF (Return of unpaid items)...$0.00/each Paid Overdraft...$0.00/each

16 COMERICA BANK WESTERN MARKET / CALIFORNIA & ARIZONA JANUARY 07 Zero Balance Account Service Standard Checking Account fees also apply. Master Account Maintenance... $40.00/month Sub Account Maintenance... $5.00/month Automatic Credit/Debit Transfer...$0.55/each* Account Analysis Commercial Checking, Commercial Interest Checking and Commercial Money Market Accounts may receive an earnings credit allowance which is based on the balances maintained in your Account, less ten percent. The earnings credit allowance is subtracted from your total analyzed activity fees (charges associated with your Accounts and services), resulting in your Service Charge. If sufficient balances are maintained in your Account, the costs of the banking services you use may be covered. The earnings credit allowance may not be used to offset certain fees, such as Paid Overdrafts, NSF Returned Items, Overdraft Interest and fees associated with Sweep accounts. The earnings credit rate and the basis for the rate are subject to change from time to time without prior notice to you. Current rate information is available from your nearest banking center or by calling the telephone number on the front of your Account statement. Earnings credit is not available for withdrawal. Unless we agree otherwise in writing, earnings credit can only be used for fees incurred during the month covered by analysis. Services may be billed on a consolidated basis and, if requested, presented to you on an Account analysis statement. Fees will be charged between the fifth and tenth Business Days of the following month. Savings and Money Market Accounts* Fees applicable to all Savings and Money Market Accounts are listed under Additional Account Fees. The number and type of transfers and debits are subject to limitations. Refer to the Comerica Bank Business and Personal Deposit Account Contract for details. The minimum to open any Account is $ Business Savings Account Account Maintenance When an Average Monthly Ledger Balance of $500 or More is Not Maintained... $5.00/month Item Deposited (each paper item, after 0 free per month)... $0.0/item* Cash Deposited...$.80/$,000 or part thereof* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Business Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $0,000 or more is maintained.* Account Maintenance...$8.00/month* Item Deposited (each paper item, after 0 free per month)... $0.0/item* Cash Deposited...$.80/$,000 or part thereof* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Premium Business Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $50,000 or more is maintained.* Account Maintenance... $5.00/month* Item Deposited (each paper item, after 0 free per month)... $0.0/item* Cash Deposited...$.80/$,000 or part thereof* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction Commercial Money Market Account Account Maintenance fee is waived if an Average Monthly Ledger Balance of $00,000 or more is maintained.* Account Maintenance... $30.00/month* Item Deposited (each paper item, after 0 free per month)... $0.0/item* Cash Deposited...$.80/$,000 or part thereof* Excess Withdrawal Fee (withdrawals, transfers, and debit transactions; after 6 free per month of any type)... $5.00/transaction CDs Minimum Deposit Fixed Rate... $,000 Flexible Rate... $,000 Municipality Jumbo Days...$00,000 Interest Information Checking, Savings and Money Market Account Interest Calculation* Interest rates are determined from time to time by the Bank and may change daily. Ask us for current interest rate information. If you close your Account, we will pay interest accrued to your Account through the day prior to withdrawal. Small Business Interest Checking, Premium Business Interest Checking, Commercial Interest Checking, Public Fund Interest Checking, Business Money Market, Premium Business Money Market, Commercial Money Market and Business Savings Accounts are variable rate Accounts with tiered interest rates earned on the daily Collected Balance. You will receive a monthly Account statement and interest will be credited to your Account each month. Interest rate tiers are: $ $4, $50, $99, $5, $4, $00, $499, $5, $4, $500, $999, $5, $49, $,000, and over or $ $49, $,000, $4,999, $50, $99, $5,000, $9,999, $00, $499, $9,999, and over $500, $999,999.99

17 COMERICA BANK WESTERN MARKET / CALIFORNIA & ARIZONA JANUARY 07 CD Interest Calculation Fixed Rate and Municipality Jumbo CDs. The interest rate is based on the amount deposited and term. Interest rates are fixed for the term of the deposit. Flexible Rate CDs. The interest rate is determined by the Bank and may change daily, at the Bank s discretion. Interest rate tiers for Fixed Rate and Flexible Rate CDs: $ $, $50, $99, $, $9, $00, $49, $0, $4, $50, $499, $5, $49, $500, and over There is no tiering on Municipality Jumbo CDs. Interest on all CDs is compounded and paid monthly. The interest rate paid will depend on the type of Account selected and the Account balance. Sweep Accounts Business Sweep Account Commercial Checking Account fees also apply. Please speak to an account officer for details. Target Collected Balance Sweep Maintenance Sweep to Investment Only A, B $00, $5.00/month $5, $50.00/month $0, $5.00/month $0...$75.00/month Sweep to Loan Only $00, $50.00/month $50, $50.00/month $0... $450.00/month Sweep to Investment and Loan A, B $00, $00.00/month $50, $5.00/month $0... $450.00/month Automatic Credit/Debit Transfer...$0.50/each Funds swept out of deposit accounts into non-deposit accounts, such as loan accounts or investment accounts, are not deposits for purposes of federal deposit insurance. Holders of such funds, in the event an institution failed, would have general creditor status. Securities are not FDIC insured; are not deposits or obligations of, or guaranteed by, Comerica Bank; and involve risk, including possible loss of principal. Fees related to investments are covered under other agreements. A The checking account portion of the Comerica Business Sweep Account is offered by Comerica Bank. The securities offered as a sweep option on the Comerica Business Sweep Account may be sold by Comerica Securities as agent for Comerica Bank. B Securities offered by Comerica Securities are NOT FDIC insured; are not deposits or obligations of, or guaranteed by Comerica Bank or any of its affiliates; and involve risk, including the possible loss of principal. Comerica Securities is a broker/dealer, member FINRA/SIPC, and a subsidiary of Comerica Bank. Applicable to Checking and Savings Accounts. Additional Account Fees Applicable to Checking, Savings and Money Market Accounts.* Account Activity Fees Incoming Wire Transfers and ACH ACH Intl Transactions Received... $.5/item* ACH Return Item Request... $0.00/item Domestic Wire Transfer...$4.00/wire* International Wire Transfer... $7.00/wire* Book Transfer via Wire 3...$6.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Account Activity Printouts... $3.00/request Account Balance Fee... Varies monthly Banking Center Processing/Research...$80.00/hour + copy charges $0.00 minimum Check Rejects...$0.00/each* Deposit Item Rejects...$0.00/each* Cash Orders at a Banking Center... $.30/$,000 Coin Rolls Provided... $0.3/roll* Rolls Deposited... $0./roll* Boxed Coin Provided...$4.5/box Coin (Vault Processing)... $5.00/bag Copy of Check/Other Item or Statement...$8.00/each* Counter Checks... $.00/check CPA Balance Verification...$0.00/request* Deposit Error Correction (Cash and/or Check)...$4.00/each* Escheatment Notification (Balance over $50.00)...$.00/Account Night Deposit Key Deposit...$0.00/each Foreign Check Processing Fee...$6.00/item NSF (Return of unpaid items) and Paid Overdraft 5 st Occurrence:... $5.00/item nd - 4th Occurrence:...$33.00/item 5th or Greater Occurrence:... $37.00/item Overdraft/Uncollected Funds Interest... Comerica Bank Prime % Overdraft Transfer Fee 7...$3.00/transfer* Special Statement Production/Handling... $.00/each* Statement Faxing...$30.00/each* Check Image Printing...$5.00/month* Manual Stop Payment for Six Months...$34.00/each Telephone Transfer...$7.00/transfer* Withdrawal Subject to Legal Process (Garnishments, tax levies, injunctions, subpoenas etc.)...$00.00/each ATM/Check Card Transactions at U.S. ATMs Other Than Comerica ATMs (Withdrawal; Balance Inquiry; Account Transfer)...$.00/each Replace ATM or Check Card...$5.00/each Expedited Delivery Upon Request...Charges Vary 3

18 COMERICA BANK WESTERN MARKET / CALIFORNIA & ARIZONA JANUARY 07 International (Non U.S.) ATM Transaction Fee...$5.00/each International (Non U.S.) Point-of-Sale Transaction Fee... 3% ($.00 minimum) Surcharge... Varies by owner of ATM Online Banking These services are subject to additional terms that are provided when obtaining the service(s). Comerica Web Banking...NO MONTHLY FEE (Fees may apply for using the Comerica External Transfer service offered through Comerica Web Banking ). Comerica Web Bill Pay... $6.95/month Additional fees may apply for expedited payment delivery Comerica Web Pay Express... $5.00/month Additional fees may apply for expedited payment delivery Comerica Web Invoicing... $5.00/month Quicken for Business Banking...$0.95/month Quicken for Business Banking With Bill Pay...$5.95/month QuickBooks Banking...$0.95/month QuickBooks Banking With Bill Pay... $0.95/month Return Item Handling Returned Item... $3.00/item* Returned Item Re-presented...$7.00/item* Returned Item Fax Notification... $6.00/item* Returned Item Additional Advice... $5.00/item* Money Service Business (MSB) Designation Fee MSB Designation Fee... $50.00/month Applies to all Checking, Savings and Money Market accounts belonging to Money Service Businesses (MSBs). Other Services and Charges The following services and their fees are not covered by the terms of the Comerica Bank Business and Personal Deposit Account Contract, and may require you to enter into a written agreement with Comerica Bank in order to receive these services. The fees for the following services may change at any time without prior notice unless we have otherwise agreed with you in writing. Collections Domestic checks are handled on a collection basis only upon request. Domestic Outgoing...$35.00/each* Domestic Incoming...$35.00/each* Foreign Outgoing...Varies Foreign Incoming...Varies Outgoing Wire Transfers Domestic** Non-Repetitive Wire Transfer...$9.00/wire* Repetitive Wire Transfer 9...$4.00/wire* Book Transfer via Wire 3...$6.50/wire* Automated Standing Transfer 0...$0.50/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $7.50/trace* Cancel Wire Transfer...$5.00/each Outgoing Wire Transfers International** Non-Repetitive Wire Transfer...$50.00/wire* Wire Transfer Mail Advice 4...$8.00/advice* Wire Transfer Phone Notification...$30.00/call* Wire Transfer Fax Notification... $6.00/fax* Wire Transfer Trace... $55.00/trace* Cancel Wire Transfer...$50.00/each Check, deposit ticket, endorsement stamp and disposable bag costs will be charged to your Account. The cost will vary based on specific style and quantity. Additional charges will be assessed for other miscellaneous services. Ask us for additional information. * Item description or pricing has been updated from 06 Business Account Service Charges and Interest Information ** Wire Transfers conducted without a signed Wire Transfer Agreement will be subject to the terms of the Comerica Bank Business and Personal Deposit Account Contract governing the Account to be debited for the transfer but excluding any requirement to give advance notice of fee changes for the service except where required by law. Beneficiaries of international wire transfers may be assessed additional fees by the beneficiary and/or intermediary banks. 3 A Book Transfer via Wire is a wire transfer between two Comerica accounts that is processed internally by the Bank (some restrictions apply). 4 All domestic and international wire transfers are required to receive a Wire Transfer Mail Advice, unless the customer signs a Bank exception form. 5 An occurrence is defined as a day on which your Account had at least one overdraft or non-sufficient funds item. Occurrences are collected and used based on a rolling twelve-month period. 6 This is a rate that may be determined at Comerica Bank s discretion taking into account various factors, including, but not limited to, the federal funds rate. 7 Automatic Overdraft Protection is offered on Comerica Business Checking accounts. This service allows us to link your Comerica savings/mmia or Comerica credit card issued by Elan Financial Services to pay items that may overdraw your checking account. 8 This service is available for non-customers only if the source of the funds is a Comerica check. 9 For repetitive wire transfers, the customer must sign a repetitive wire transfer template form which will be used by the Bank to create a unique code that must be provided when calling our wire room. See the Global Funds Transfer User Guide for additional information. 0 For Automated Standing Transfers, customers must sign a Wire Transfer Implementation Automated Standing Transfer Instruction Worksheet describing the account and frequency of these automatically processed wire transfers. See the Global Funds Transfer User Guide for additional information. Miscellaneous Fees Cashier s Check 8...$0.00/each Foreign Draft...$60.00/each Photocopies (Where available)... $3.00/item* 4 Comerica Bank is a Member FDIC. Equal Opportunity Lender. CBC /6

19 Executive Signature Accounts Amendments to the Personal Services and Charges Brochure Western Market/California & Arizona This amendment contains changes to some fees associated with Comerica s deposit accounts. All updates are denoted with an asterisk (*). SM Effective January, 07 Account Terms This Brochure applies only to Comerica Bank s (the Bank ) Executive Signature Accounts, such as Executive Signature Checking Accounts, Executive Signature Interest Checking Accounts and Executive Signature Money Market Accounts. All Executive Signature Accounts are subject to the Bank s Business and Personal Deposit Account Contract, as amended by the Amendment to the Comerica Business and Personal Deposit Account Contract for Executive Signature Accounts. The capitalized terms used in this brochure have the same meaning given to them in the Deposit Contract Terms, and are subject to change. Interest Information Executive Signature Checking Accounts do not earn interest. Executive Signature Interest Checking Accounts and Executive Signature Money Market Accounts may earn interest. For additional information, please see your Annual Percentage Yield ( APY ) Disclosure. You may also ask us for current interest information. Withdrawal Limitations Executive Signature Money Market Accounts only are limited to six preauthorized, electronic or telephone/ivr transfers or other withdrawals (such as checks, check card/pos debits, check printing fees, and Web Banking transfers) each statement period. These limits do not apply to withdrawals made in person, by mail or by ATM and do not apply to transfers to pay loans with the Bank. For more information, see the Business and Personal Deposit Contract. Fees The fees described in this Brochure will be assessed in connection with the Executive Signature Checking Account, Executive Signature Interest Checking Account and the Executive Signature Money Market Account, as applicable, unless otherwise agreed by Bank in writing. If you have properly designated an authorized agent, have not revoked your designation, the Bank has accepted your designation, and your authorized agent maintains the necessary agreements with us, you will not be obligated to pay any fees assessed in connection with your Executive Signature Account, except Direct Charge Fees. Direct Charge Fees are paid overdraft fees, NSF (return of unpaid item) fees, account closing fees, counter check fees, escheatment notification fees, and Automated Teller Machine ( ATM ) transaction fees, and fees for withdrawals subject to legal process. You are obligated to pay Direct Charge Fees as set forth in the Amendment to the Business and Personal Deposit Account Contract for Executive Signature Accounts. Your authorized agent will be responsible for payment of all fees, except Direct Charge Fees. If you have not properly designated an authorized agent or you have revoked your previous designation, we have not accepted your designation, or your authorized agent does not maintain the necessary agreements with us, you will be obligated to pay all fees assessed in connection with your Executive Signature Account. Checking Account Fees The minimum deposit to open any Executive Signature Account is $50. Fees for Executive Signature Checking Accounts Only Account Maintenance...$5.00/month Items Deposited (each paper item)... $0.0/item* Debit (paper/paperless)... $0.5/item* Credit (paper)...$.50/item* Credit (electronic)... $0.5/item* International ACH Transaction Fee...$.5/item* NSF (return of unpaid items) and Paid Overdraft (Direct Charge Fees) st Occurrence...$5.00/item nd Occurrence...$33.00/item Each additional Occurrence... $37.00/item With regard to NSF (return of unpaid items) and Paid Overdraft fees, an occurrence is any day on which your Executive Signature Checking Account has one or more NSF items or paid overdraft items. The Bank uses a rolling twelve month period to determine the number of occurrences for the purpose of calculating the fees. There is a maximum of five NSF (return of unpaid items) and five Paid Overdraft fees per day. Fees for Paid Overdrafts apply to overdrafts created by check, in-person withdrawal, recurring electronic transactions, and if you have consented, ATM and one-time debit transactions. Automatic overdraft protection is available for all Executive Signature Checking Accounts. This service allows us to link your Executive Signature Money Market Account to pay items that may overdraw your Executive Signature Checking account. Contact your financial services representative or banking center for details. See below for additional fees.

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