citynational.com Deposit Agreement July 1, 2018 This booklet has been produced for the transfer of TotalBank accounts to City National Bank.

citynational.com Deposit Agreement July 1, 2018 This booklet has been produced for the transfer of TotalBank accounts to City National Bank.

Table of Contents Change in Terms Personal Accounts... 1 Schedule of Fees on Personal Accounts....1 Interest and Other Information for Checking, Savings, & Money Market Products...1 Checking Products...2 Money Market & Savings Products...3 Interest and Other Information for Certificates of Deposit....4 Relationship Banking Programs...5 Miscellaneous Service Charges for City National Bank Account Holders....6 Miscellaneous Service Charges for Non-Account Holders...8 Loans...8 Item Processing, Posting and Payment....8 Notes...9 Change in Terms Commercial Accounts... 10 Schedule of Fees on Commercial Accounts...10 Interest and Other Information for Checking, Savings, & Money Market Products...10 Checking Products...11 Money Market & Savings Products...12 Interest and Other Information for Certificates of Deposit....13 Certificate of Deposit Products....14 Miscellaneous Service Charges for City National Bank Account Holders....15 Loans...17 Letters of Credit...17 Other Commercial Services...20 Item Processing, Posting and Payment....20 Notes...21 Electronic Fund Transfers Disclosure.... 55 Foreign Transactions....55 Consumer Liability for Unauthorized Transfers and Advisability of Prompt Reporting...56 Telephone Number and Address to be Notified in Event of Unauthorized Transfer...56 Business Days...56 Types of Available Transfers and Limits on Transfers...57 Charges for Transfers...58 Card Charges...59 Inactivity...59 Account Information to Third Parties...59 Right to Receive Documentation of Transfers...59 Pre-authorized Transfers....60 In Case of Errors or Questions About Your Electronic Transfers...61

Funds Availability Policy.... 62 Your Ability To Withdraw Funds...62 Determining the Availability of a Deposit....62 Same-Day Availability...63 Next-Day Availability...63 Check Deposits...63 Longer Delays May Apply...63 Other Holds...64 Special Rules for New Accounts....64 Liability for Certain Losses................................................... 64 Non-Transaction Accounts...64 HOLD MAIL TERMS & CONDITIONS... 65 Change in Terms Personal Accounts Effective July 2018 Schedule of Fees on Personal Accounts Balance Information Balance requirements to avoid service fees refer to the minimum average daily balance. The average daily balances are calculated by adding the balance in the account for each day for a statement cycle and dividing that figure by the number of days in the cycle. Minimum and average daily balance requirements are based on ledger balance, while interest accrues on bank-collected balance for Interest Checking, Money Market Deposit Account (MMDA), Regular Savings, and Youth Savings accounts. Interest accrues on MMDA Gold and Certificates of Deposit on the ledger balance from day of deposit. Interest and Other Information for Checking, Savings, & Money Market Products Rate Information Current interest rates and Annual Percentage Yields (APYs) are available at any City National Bank of Florida (CNB) banking center or by calling 1-800-435-8839. Variable Rates All interest-bearing Checking, Savings, and Money Market deposit accounts earn a variable rate of interest. At our discretion, the interest rate and APY may change at any time. Compounding and Crediting Interest on all interest-bearing Checking, Money Market Deposit, Savings, and Youth Savings accounts are compounded and credited monthly. Balance Computation Method We use the daily balance method to calculate interest; this method applies the daily periodic rate to the bank-collected balance in the account each day. See note 3 for Money Market Gold account variance. Non-Cash Deposits If you deposit a non-cash item, such as a check, interest will begin to accrue no later than the business day the bank receives provisional credit for the deposit. Transaction Limitations for Savings and Money Market Accounts Federal regulations impose restrictions on the number of transfers or withdrawals that can be conducted from Savings and Money Market accounts. Legal Limit: No more than six transfers or withdrawals, or a combination of such transfers or withdrawals per monthly statement cycle, to another account (including a transaction account) of the depositor at CNB or to a third party by means of a pre-authorized or automatic transfer (ACH, telephone, internet banking, overdraft protection, etc.) or withdrawals by check, draft, debit card, or similar order made by the depositor and payable to third parties. If you exceed these limitations, you will be charged an excess transaction fee of $10 per transaction over the Legal Limit, and your account may be converted to a transaction account. July 2018 City National Bank of Florida 1

Checking Products (All information identified in bold below represents a change in the product terms.) Total Value Personal Checking Totally Seniors Totally First Checking Regular Checking Minimum to Open...$100.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee; or. $1,500.00 Minimum Daily Balance to Avoid Monthly Maintenance Fee.... $750.00 Monthly Maintenance Fee... $15.00 Per Item Charge...None (If your TotalBank account was a Totally Seniors or Totally First Checking, the minimum balance thresholds and maintenance fees will NOT apply.) TotalBank At Work CNB @ Work Checking 1 Minimum to Open...$0.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee....$0.00 Monthly Maintenance Fee....$0.00 Per Item Fee...$0.00 (The CNB @ Work Checking account is not interest bearing.) CNB @ School Checking 11 Minimum to Open...$0.00 Minimum Average Daily Balance to Avoid Monthly Maintenance Fee....$0.00 Monthly Maintenance Fee....$0.00 Per Item Fee...$0.00 Incoming Wire Transfers Foreign / Domestic... No Charge Cashier s Checks... No Charge Total Interest Checking Interest Checking 2 Minimum to Open...$100.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee; or. $2,500.00 Minimum Daily Balance to Avoid Monthly Maintenance Fee...$1,500.00 Monthly Maintenance Fee... $15.00 Per Item Charge... $0.35 International Personal Checking International Personal Interest Checking International Personal Checking Minimum to Open...$.25,000.00 Minimum Balance to Avoid Monthly Maintenance Fee... $25,000.00 Monthly Maintenance Fee....$25.00 (The International Personal Checking account is not interest bearing.) Total EURO Demand Deposit Personal Personal EURO Checking Account Total GBP Demand Deposit Personal Personal GBP Checking Money Market & Savings Products Rewards Personal Money Market PCG Preferred Money Market PE Relationship Personal Money Market (Acct. Balances as of 07/06/18 under $50,000) Money Market Deposit Minimum to Open...$3,500.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee... $3,500.00 Monthly Maintenance Fee... $15.00 Minimum Daily Collected Balance to Earn Disclosed APY 4... $3,500.00 If Transactions Exceed the Legal Limit, each....$10.00 Relationship Personal Money Market (Acct. Balances as of 07/06/18 over $50,000) Money Market Gold Deposit Minimum to Open...$50,000.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee.. $50,000.00 Monthly Maintenance Fee... $15.00 If Transactions Exceed the Legal Limit, each....$10.00 Minimum Daily Ledger Balance Tiers to Earn Disclosed APY 3 Balance Tiers Minimum Balance $0.01 $49,999.99...$0.01 $50,000.00 $99,999.99...$50,000.00 $100,000.00 $249,999.99. $100,000.00 $250,000.00 and Over...$250,000.00 International Personal Money Market International Personal Relationship Money Market International Personal Savings International Personal Money Market Minimum to Open...$25,000.00 Minimum Balance to Avoid Monthly Maintenance Fee....$25,000.00 International Personal Money Market (cont.) Monthly Maintenance Fee....$25.00 Minimum Daily Collected Balance to Earn Disclosed APY...$25,000.00 If Transactions Exceed the Legal Limit, each....$10.00 (The International Personal Money Market account will not be tied to balance tiers.) Total EURO Money Market Personal Personal EURO Money Market Total GBP Money Market Personal Personal GBP Money Market Regular Savings Savings Account Miami Saves Regular Savings Minimum to Open...$100.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee... $500.00 Monthly Maintenance Fee... $5.00 Minimum Daily Collected Balance to Earn Disclosed APY 4... $100.00 If Transactions Exceed the Legal Limit, each... $10.00 Minor Savings Youth Savings 5 Minimum to Open...$50.00 Minimum Balance to Avoid Monthly Maintenance Fee....None Minimum Daily Collected Balance to Earn Disclosed APY...None If Transactions Exceed the Legal Limit, each... $10.00 2 Member FDIC July 2018 City National Bank of Florida 3

Interest and Other Information for Certificates of Deposit (All detailed information in bold represents a change in terms as of the renewal of the Certificate of Deposit.) Rate Information Current interest rates and Annual Percentage Yields (APYs) are available at any CNB banking center or by calling 1-800-435-8839. The APYs quoted on all Certificates of Deposit assume interest remains on deposit until maturity. A withdrawal will reduce earnings. Fixed Rates All Certificate of Deposit accounts earn a fixed rate of interest, which is set at the opening of the account. If a Certificate of Deposit is automatically renewed, the rate will be fixed on the renewal date for the renewal term. Compounding and Crediting For Certificates of Deposit with terms up to and including 90 days, interest is paid at maturity by check, transferred to another account or added to the account. For certificates with terms greater than 90 days, but less than 1 year, the interest may be paid monthly, quarterly, or at maturity. These payments may be made by check or credited to another account. Interest may only be added on to the account for payments made at maturity. For certificates with maturities of 1 year or more, the interest may be paid monthly, quarterly, or annually by check or transferred to another account. For certificates with maturities greater than one (1) year, which that do not distribute interest otherwise, interest will be compounded and credited to the certificate annually. Balance Computation Method We use the daily balance method to calculate interest; this method applies the daily periodic rate to the bank ledger balance in the account each day. Automatic Renewal City National Bank will honor the terms of your CD until maturity. Upon maturity, the CD will adhere to the CNB CD terms detailed within this section. Your Certificate of Deposit is automatically renewable unless otherwise stated on the Truth-In-Savings Disclosure provided to you at account opening. There is a two- (2-) business-day grace period (for terms less than 30 days) or ten- (10-) calendar-day grace period (for terms of 30 days or greater) from the maturity date to withdraw your funds without being charged an early withdrawal penalty. If you withdraw funds during the grace period, interest will not accrue. If your Truth-In-Savings Disclosure indicates that your Certificate of Deposit is not automatically renewable, interest will not accrue after maturity. Transaction Limitations After your Certificate of Deposit account is opened, you may not make additional deposits to your account. Withdrawals made prior to maturity will be assessed an early withdrawal penalty. Early Withdrawal Penalties If there are any withdrawals of funds deposited into a Certificate of Deposit prior to the maturity date, an early withdrawal penalty will be assessed as stated below. Term 7 days 30 days up to and including six months Greater than six months up to and including one year Greater than one year Penalty for funds withdrawn prior to the maturity date: 7 days simple interest earned or that could have been earned on the amount withdrawn One month simple interest earned or that could have been earned on the amount withdrawn Three months simple interest earned or that could have been earned on the amount withdrawn Six months simple interest earned or that could have been earned on the amount withdrawn Where necessary to comply with the requirements of imposing any of the aforementioned penalties, a portion of the principal may be forfeited if the certificate has not earned sufficient interest prior to the withdrawal or interest has previously been paid to the owner. CNB is required to honor a request for withdrawal prior to maturity, without assessing a penalty, in the event of the death or judicially declared mental incompetence of the owner of the account. CNB will not assess an early withdrawal penalty on Certificates of Deposit that are being held as part of an IRA Plan at CNB if the owner has attained the age of 59 ½ or has become disabled. For specifics on this product, refer to the IRA disclosure available at the banking offices. Certificate of Deposit Minimum to Open...$1,000.00 Minimum Balance to Earn Disclosed APY...$1,000.00 Individual Retirement Account (IRA) Certificate of Deposit Minimum to Open... $500.00 Minimum Balance to Earn Disclosed APY... $500.00 Jumbo Certificate of Deposit Minimum to Open...$100,000.00 Minimum Balance to Earn Disclosed APY...$100,000.00 International Personal Certificate of Deposit Minimum to Open...$25,000.00 Minimum Balance to Earn Disclosed APY...$25,000.00 Total EURO Certificate of Deposit Personal Total GBP Certificate of Deposit Personal Relationship Banking Programs Personal EURO Certificate of Deposit Personal GBP Certificate of Deposit CNB offers a relationship banking program for those customers who maintain multiple accounts with CNB. The relationship banking package allows you to combine the balances of the following types of accounts to avoid account maintenance fees: Regular Checking Interest Checking Savings Money Market Money Market Gold Certificates of Deposit Individual Retirement The terms and conditions of each of the accounts remain the same, except the minimum balance requirements required to avoid a monthly fee is replaced by the requirements stated below. By maintaining the combined account balance requirements, you also may have the fees for many of CNB s services waived. Contact your CNB representative for a list of these services. Select Package 6 Minimum Combined Average Daily Balance to Avoid Monthly Maintenance Fee...$20,000.00 Monthly Maintenance Fee....$20.00 4 Member FDIC July 2018 City National Bank of Florida 5

Miscellaneous Service Charges for City National Bank Account Holders (All Items listed below in bold represent a change in fee amount.) Account Research/Reconcilement (hourly rate)... $25.00 ACH Auto Sweep.... $5.00 ACH Correction Fee... $15.00 Annual IRA Fee...$15.00 ATM/Visa Check Card Replacement Fee...$10.00 ATM/Visa Check Card & PIN Express Rush Delivery Fee (2 day)....$105.00 ATM/Visa Check Card Express Rush Delivery Fee (2 day)...$67.00 ATM/Visa Check Card PIN Express Rush Delivery Fee (2 day)...$67.00 ATM/Visa Check Card & PIN Express Delivery Fee (3 day)....$75.00 ATM/Visa Check Card Express Delivery Fee (3 day)...$37.00 ATM/Visa Check Card PIN Express Delivery Fee (3 day)...$37.00 Bearer Bonds and Coupons (Collection)... $40.00 Cashiers Checks.... $30.00 Check Printing Fee... Varies depending on type and style of check Collections (Domestic) Incoming....$20.00 Outgoing....$20.00 Collections (Foreign) Clean (Single Document)...$35.00 Direct Collections DFC...$35.00 International Postage Fee....$10.00 Returned Penalty Charges (Canadian)...$30.00 Forgery Charges.... $15.00 Consulate Letters...$5.00 Coupons Returned (per envelope)... $20.00 Credit Verifications....$10.00 Deposited Items Returned (per item)...$10.00 Deposited Items Re-Submitted (per item)....$10.00 Dormant Account Fee (monthly fee)... $20.00 Foreign Draft.... $20.00 Foreign Draft Stop Payment... $50.00 Foreign Mail (per statement)...$15.00 Non-Proprietary ATM Fee (per transaction)....$1.25 (per inquiry).... $0.50 Online Banking................................................................ FREE Access with Bill Payment Option...FREE Online Banking Fund Transfers and Pay People 8... Fees vary depending on amount of transfer Overdraft Protection Transfer Fee (per transfer)...$10.00 Returned Items Special Handling (per item)... $20.00 Returned Mail (per statement)...$20.00 Safe Deposit Box 9 Key Deposit.... $20.00 Drilling...$150.00 Late Payment Fee.... $5.00 Stop Payment Order 12 (per item)... $30.00 Sweep Repo (monthly fee)....$125.00 Temporary Accounts (Accounts closed within 6 months of opening)...$25.00 Traveler s Checks Purchased ($3.00 Minimum).... 2% of face value Visa Check Card International Assessment Fees: 10 Single Currency Transactions.... 0.8% of the transaction amount Multiple Currency Transactions... 1.0% of the transaction amount Wire Services Tracer... $35.00 Amendment.... $35.00 Recalling Funds... $40.00 Wire Transfers Domestic / International Incoming... $15.00 Domestic Outgoing... $35.00 Foreign / International Outgoing... $50.00 Additional Foreign Wire Transfer Fee Information Correspondent bank charges will be deducted from the amount received by the beneficiary. The charge will vary depending on the amount of the wire, ranging from $8.00 to $30.00, and is subject to change. These charges apply if a CNB correspondent bank is used; however, if the sender chooses a different intermediary bank, CNB has no control over the amount charged. Also, the beneficiary may be charged a fee for receiving an incoming wire, which is controlled by the beneficiary bank. In addition to the Wire Transfer fees charged, CNB retains a nominal spread on the Foreign Exchange (FX) rate provided by our correspondent bank. Upon request, CNB will provide you with that spread on the Foreign Exchange (FX) rate. Hold Mail (per statement)...$25.00 Non-Sufficient Funds (NSF) / Overdraft (OD) / Uncollected Funds Paid Item Fee... $33.00 Non-Sufficient Funds (NSF) / Uncollected Funds Returned Item Fee... $25.00 Levies & Garnishments...$100.00 Sustained Overdraft Balance Fee 7... $20.00 6 Member FDIC July 2018 City National Bank of Florida 7

Miscellaneous Service Charges for Non-Account Holders ATM Usage Fee... $3.95 Traveler s Checks Cashed ($5.00 Minimum)... 2% of face value Loans Partial Release...$15.00 Satisfaction of Mortgage Preparation... Starting at $15.00 + (County Charges) Payoff Letter (per request)... $20.00 Returned Deposited Check...$15.00 Verification of Mortgage...$10.00 Courier Fee... As quoted by Courier Item Processing, Posting and Payment We may not process and post credit, debits, and holds to your account in the order they occur or we receive them. When multiple items are presented on a banking day, the Bank generally processes all credit items deposited (e.g., deposited checks, incoming wire transfers, etc.) first, followed by debit items (e.g., outgoing wires, checks, etc.). You agree that we may credit items to and debit items from your account by posting such items arriving to your account on the same day by order of posting and category which we choose in our sole discretion. Typical categories of payment / debit types include: ACH, cashed out items, ATM transactions, point-of-sale (POS), wires, inter-day transfers between your accounts, and checks. In choosing processing priorities for checks and other debit items, the posting order for all categories of debits, except fees, will be handled in the same manner, posting lowest-tohighest dollar amounts. For example, in the category of check processing, we will process checks received on a given day from lowest-to-highest. We may change the priority or order of any category, at any time, without notice to you; however, for your benefit, we will not change the lowest-to-highest payment of items within a category without prior notice. We further reserve the right to change the order of posting / payment priority without notice to you if we suspect fraud or possible illegal activity affecting your account. If the dollar amount of the debit items received exceeds the amount available at the time those items are presented, the Bank, at its discretion, may pay or return those items. For each item presented in excess of the amount available in the account, the Bank may impose a fee. Please refer to the Bank s applicable Disclosure & Schedule of Fees for the current amount of those fees. Notes 1. This product is offered to employees of existing CNB commercial customers. Account-related service charges apply. 2. If you close your account before interest is credited, you will not receive the accrued interest. 3. The daily periodic rate is applied to the ledger balance from the day of deposit on Money Market Gold. 4. No interest will be earned if the balance falls below the minimum required collected balance. 5. Youth Savings accounts are available to customers under 18 years of age. Terms of Regular Savings account will apply when minor reaches the age of 18. 6. The Select Package requires at least one personal Regular Checking account or Interest Checking account to be eligible. 7. A sustained overdraft balance fee will be charged to your account in the event the overdraft remains outstanding for five (5) consecutive business days. This fee will apply to each new overdraft that remains outstanding for five (5) consecutive business days. 8. Please refer to Online Banking Funds Transfer Fee disclosure link for fund transfers and Pay People fee details. 9. Contents of safe deposit boxes are not insured by the FDIC. 10. Percent of amount for transactions done outside the U.S. whether foreign currency is converted or not. 11. This product is offered to students and employees of educational institutions. Must be at least 18 years of age to be eligible for this account. 12. If we have not already paid a check or other item drawn on your account, then at your request we may accept a stop payment order on it. Properly signed stop payment orders are effective for six (6) months after the date received and will automatically expire after that period unless renewed in writing (upon renewal additional fees will apply). Electronic / ACH stop payments do not expire and will remain effective unless you revoke the stop payment order in writing. Refer to the Deposit Agreement for additional details on stop payments. In order to avoid overdraft charges, CNB provides you with the option to link your Checking account with any combination of Savings / Money Market* or other Checking account to transfer funds should your Checking account become overdrawn. CNB will charge a $10.00 Overdraft Protection Transfer fee for each transfer. Transfers will occur in increments of $25.00 except when 1) the paid overdraft exceeds the available balance, or 2) you have an overdraft in your account. In both instances (1 & 2), the entire available balance in the funding account will be transferred to the funded account. There is no initial setup fee required. In addition, you may link your City National Bank line of credit to your Checking account(s).* Federal law limits preauthorized transfers or withdrawals, or a combination of such transfers or withdrawals, to no more than 6 per monthly statement cycle from a Savings or Money Market account. Additional fees may be incurred if this limit is exceeded. 8 Member FDIC July 2018 City National Bank of Florida 9

Change in Terms Commercial Accounts Effective July 2018 Schedule of Fees on Commercial Accounts (All information identified in bold below represents a change in the product terms.) Balance Information Balance requirements to avoid service fees refer to minimum average monthly (ledger) balance. Interest and Other Information for Checking, Savings, & Money Market Products Rate Information Current interest rates and Annual Percentage Yields (APYs) are available at any City National Bank of Florida (CNB) banking center or by calling 1-800-435-8839. Variable Rates All interest-bearing Checking, Savings, and Money Market Deposit accounts earn a variable rate of interest. At our discretion, the interest rate and APY may change at any time. Compounding and Crediting Interest on all interest-bearing Checking, Savings, and Money Market accounts is compounded and credited monthly. Balance Computation Method We use the daily balance method to calculate interest; this method applies the daily periodic rate to the bank collected balance in the account each day. See note 7 for Commercial Money Market Gold and IOTA Interest Checking account variance. Non-Cash Deposits If you deposit a non-cash item, such as a check, interest will begin to accrue no later than the business day the bank receives provisional credit for the deposit. Transaction Limitations for Savings and Money Market Accounts Federal regulations impose restrictions on the number of transfers or withdrawals that can be conducted from Savings and Money Market accounts. Legal Limit: No more than 6 transfers or withdrawals, or a combination of such transfers or withdrawals per monthly statement cycle, to another account (including a transaction account) of the depositor at CNB or to a third party by means of a pre-authorized or automatic transfer (ACH, telephone, internet banking, overdraft protection, etc.) or withdrawals by check, draft, debit card, or similar order made by the depositor and payable to third parties. If you exceed these limitations, you will be charged an excess transaction fee of $10 per transaction over the Legal Limit, and your account may be converted to a transaction account. Checking Products Business Advantage Checking Cash Collateral Account Regular Commercial Checking 1 Monthly Maintenance Fee... $20.00 Items Paid (per item)... $0.16 Deposits Credited (per item)... $0.45 Deposited Items (per item)... $0.15 Total Value Business Interest Checking OFAC Holding Account Money Market TotalPro Business Interest Checking Commercial Interest Checking 2 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee and Per-Item Fees...$3,500.00 Monthly Maintenance Fee... $17.00 Items Paid (per item)... $0.16 Deposits Credited (per item)... $0.45 Deposited Items (per item)... $0.15 IOTA Interest Checking IOTA Interest Checking 3 Monthly Maintenance Fee... $15.00 Minimum Daily Ledger Balance Tiers to Earn Disclosed APY 7 Balance Tiers Minimum Balance $0.01 $99,999.99... $0.01 $100,000.00 $249,999.99. $100,000.00 $250,000.00 $499,999.99. $250,000.00 $500,000.00 and Over..... $500,000.00 Total Value Business Checking CitySmart Ultimate Small Business Checking Minimum to Open...$100.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee... $5,000.00 Monthly Maintenance Fee... $20.00 Monthly Cash Deposits $10,000.00 or less.... No Charge In Excess of $10,000.00. $0.15 per $100.00 4 Total Account Transaction Items: 5, 6 200 or less... No Charge In excess of 200 (per item).... $0.40 Standard Non-Profit Checking Non-Profit Checking Minimum to Open...$100.00 Minimum Balance to Avoid Monthly Maintenance Fee... $0.00 International Business Checking International Business Interest Checking International Business Minimum to Open...$25,000.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee.. $50,000.00 Monthly Maintenance Fee....$50.00 (The International Business account is not an interest-bearing account.) Public Funds Interest Checking State & Political Sub-Checking Public Funds (Public Funds Checking is not an interest-bearing account.) 10 Member FDIC July 2018 City National Bank of Florida 11

Checking Products (continued) Total EURO Demand Deposit Business Total GBP Demand Deposit Business Brokered Checking Total Investment REPO Money Market & Savings Products Rewards Business Money Market PCG Preferred Money Market Business Commercial Money Market Relationship Business Money Market (Account balances as of 07/06/18 under $50,000) Commercial Money Market Deposit Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee and Per-Item Fees...$3,500.00 Monthly Maintenance Fee... $17.00 Minimum Daily Collected Balance to Earn Disclosed APY 8... $3,500.00 Items Paid (per item)... $0.16 Deposits Credited (per item)... $0.45 Deposited Items (per item)... $0.15 If Transactions Exceed the Legal Limit (each)...$10.00 Relationship Business Money Market (Account balances as of 07/06/18 over $50,000) Commercial Money Market Gold Deposit Minimum to Open...$50,000.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee.. $50,000.00 Monthly Maintenance Fee... $17.00 Business EURO Checking Business GBP Checking Brokered Checking Daily REPO (with Sweep) Commercial Money Market Gold Deposit (cont.) If Transactions Exceed the Legal Limit (each)...$10.00 Minimum Daily Ledger Balance Tiers to Earn Disclosed APY 7 Balance Tiers Minimum Balance $0.01 $49,999.99...$0.01 $50,000.00 $249,999.99..$50,000.00 $250,000.00 $499,999.99. $250,000.00 $500,000.00 and Over...$500,000.00 International Business Relationship Money Market International Business Money Market International Business Savings International Business Money Market Minimum to Open...$50,000.00 Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee.. $50,000.00 Monthly Maintenance Fee... $50.00 Minimum Daily Collected Balance to Earn Disclosed APY... $50,000.00 If Transactions Exceed the Legal Limit (each)... $10.00 Money Market & Savings Products (continued) Commercial Savings Commercial Savings Minimum Average Monthly Balance to Avoid Monthly Maintenance Fee....$3,500.00 Monthly Maintenance Fee... $5.00 Minimum Daily Collected Balance to Earn Disclosed APY 8...$3,500.00 If Transactions Exceed the Legal Limit (each)...$10.00 Brokered Money Market Public Funds Money Market Total EURO Money Market Business Total GBP Money Market Business Brokered Money Market Public Funds Money Market Business EURO Money Market Business GBP Money Market Interest and Other Information for Certificates of Deposit (All detailed information in bold represents a change in terms as of the renewal of the Certificate of Deposit.) Rate Information Current interest rates and Annual Percentage Yields (APYs) are available at any CNB banking center or by calling 1-800-435-8839. The APYs quoted on all Certificates of Deposit assume interest remains on deposit until maturity. A withdrawal will reduce earnings. Fixed Rates All Certificate of Deposit accounts earn a fixed rate of interest, which is set at the opening of the account. If a Certificate of Deposit is automatically renewed, the rate will be fixed on the renewal date for the renewal term. Compounding and Crediting For Certificates of Deposit with terms up to and including 90 days, interest is paid at maturity by check, transferred to another account, or added to the account. For certificates with terms greater than 90 days, but less than 1 year, the interest may be paid monthly, quarterly, or at maturity. These payments may be made by check or credited to another account. Interest may only be added on to the account for payments made at maturity. For certificates with maturities of 1 year or more, the interest may be paid monthly, quarterly, or annually by check or transferred to another account. For certificates with maturities greater than one year that do not distribute interest otherwise, interest will be compounded and credited to the certificate annually. Balance Computation Method We use the daily balance method to calculate interest; this method applies the daily periodic rate to the bank ledger balance in the account each day. Automatic Renewal City National Bank will honor the terms of your CD until maturity. Upon maturity, the CD will adhere to the CNB terms detailed within this section. 12 Member FDIC July 2018 City National Bank of Florida 13

Your Certificate of Deposit is automatically renewable unless otherwise stated on the account disclosure provided to you at account opening. There is a two- (2-) business-day grace period (for terms less than 30 days) or ten- (10-) calendar-day grace period (for terms of 30 days or greater) from the maturity date to withdraw your funds without being charged an early withdrawal penalty. If you withdraw funds during the grace period, interest will not accrue. If your account disclosure indicates that your Certificate of Deposit is not automatically renewable, interest will not accrue after maturity. Transaction Limitations After your Certificate of Deposit account is opened, you may not make additional deposits to your account. Withdrawals made prior to maturity will be assessed an early withdrawal penalty. Early Withdrawal Penalties If there are any withdrawals of funds deposited into a Certificate of Deposit prior to the maturity date, an early withdrawal penalty will be assessed as stated below. Term 7 days 30 days up to and including six months Greater than six months up to and including one year Greater than one year Penalty for funds withdrawn prior to the maturity date: 7 days simple interest earned or that could have been earned on the amount withdrawn One month simple interest earned or that could have been earned on the amount withdrawn Three months simple interest earned or that could have been earned on the amount withdrawn Six months simple interest earned or that could have been earned on the amount withdrawn Where necessary to comply with the requirements of imposing any of the aforementioned penalties, a portion of the principal may be forfeited if the certificate has not earned sufficient interest prior to the withdrawal or if interest has previously been paid to the owner. CNB is required to honor a request for withdrawal prior to maturity, without assessing a penalty, in the event of the death or judicially declared mental incompetence of the owner of the account. CNB will not assess an early withdrawal penalty on Certificates of Deposit that are being held as part of an IRA Plan at CNB if the owner has attained the age of 59 ½ or has become disabled. For specifics on this product, refer to the IRA disclosure available at the banking offices. Certificate of Deposit Products Certificate of Deposit Minimum to Open...$1,000.00 Minimum Balance to Earn Disclosed APY...$1,000.00 Jumbo Certificate of Deposit Minimum to Open...$100,000.00 Minimum Balance to Earn Disclosed APY...$100,000.00 International Business Certificate of Deposit Minimum to Open...$50,000.00 Minimum Balance to Earn Disclosed APY...$50,000.00 Total EURO Certificate of Deposit Business Total GBP Certificate of Deposit Business Business EURO Certificate of Deposit Business GBP Certificate of Deposit Miscellaneous Service Charges for City National Bank Account Holders (All Items listed below in bold represent a change in fee amount.) Account Research / Reconcilement (hourly rate)....$25.00 Account Reconcilement: Full... $0.95 Per Item + $50.00 Maint. Partial...$0.08 Per Item + $50.00 Maint. Special Statement.... $20.00 ACH Auto Sweep... $5.00 ACH Setup Fee... $25.00 ACH Correction Fee.... $15.00 ACH File.... $15.00 ACH File Deletion... $40.00 ACH Maintenance.... $50.00 ACH NOC... $3.50 ACH Origination (per item).... $0.12 ACH Return Item....$5.00 ACH Items Credited...$0.20 Bearer Bonds and Coupons (Collection).... $40.00 Business Visa Check Card Replacement Fee.... $10.00 Business Visa Check Card & PIN Express Rush Delivery Fee (2-day)....$105.00 Business Visa Check Card Express Rush Delivery Fee (2-day)...$67.00 Business Visa Check Card PIN Express Rush Delivery Fee (2-day)...$67.00 Business Visa Check Card & PIN Express Delivery Fee (3-day)...$75.00 Business Visa Check Card Express Delivery Fee (3-day)....$37.00 Business Visa Check Card PIN Express Delivery Fee (3-day)...$37.00 Business Visa Check Card International Assessment Fee 9 Single Currency Transactions.... 0.8% of the transaction amount Multiple Currency Transactions... 1.0% of the transaction amount Cash & Coin Service....Refer to Armored Car Service Schedule of Fees Cashier s Checks... $30.00 Check Printing Fee...Varies depending on type and style of check CKCD Monthly....$25.00 Annually... $75.00 Collections (Domestic) Incoming... $20.00 Outgoing.... $20.00 Amendment.... $25.00 Partial Payment (treated as Amendment)... $25.00 Processing Clean Collections (Bills of Exchange / Draft) 1/8 of 1% Min....$100.00 Processing Documentary Collections (Bills of Exchange/Draft) 1/8 of 1% Min....$100.00 14 Member FDIC July 2018 City National Bank of Florida 15

Tracers....$10.00 Unpaid Items.... $25.00 Collections (negate) Clean (Single Document)...$35.00 Direct Collections DFC... $35.00 International Postage Fee....$10.00 Return Penalty Charges Canadian.... $30.00 Forgery Charges....$15.00 Consulate Letters...$5.00 Coupons Returned (per envelope)...$20.00 Credit Verifications...$10.00 Daily Balance/Activity Reporting (per day)...$7.50 FTP Transmission Input (per transmission)... $15.00 Output (per transmission)... $15.00 Deposited Items Returned (per item)...$10.00 Deposited Items Re-Submitted (per item)....$10.00 Deposit Processing (per hour)... $16.50 Detailed Account Analysis (monthly fee)....$20.00 Dormant Account Fee (monthly fee)... $20.00 Foreign Draft.... $20.00 Foreign Draft Stop Payment... $50.00 Foreign Mail (per statement)...$15.00 Hold Mail (per statement)...$25.00 Intra-bank Transfers...$5.00 Levies & Garnishments...$100.00 Sustained Overdraft Balance Fee... $20.00 Negative Collected Balance... WSJ Prime + 4% per day Negative Ledger Balance...WSJ Prime + 4% per day Non-Proprietary ATM Fee (Per transaction)....$1.25 (Per inquiry).... $0.50 Non-Sufficient Funds (NSF) / Overdraft (OD) / Uncollected Funds (Paid or Returned) Item Fee.... $33.00 Overdraft Protection Transfer Fee (per transfer)...$10.00 Returned Items Special Handling (per item)... $20.00 Return Mail (per statement).... $20.00 Safe Deposit Box 10 Key Deposit.... $20.00 Drilling...$150.00 Late Payment Fee.... $5.00 Stop Payment Order 11 (per item)... $30.00 Sweep Repo (monthly fee)....$125.00 Temporary Accounts (Accounts Closed within 6 months of opening)....$25.00 Traveler s Checks ($3.00 Minimum)... 2% of face value Wire Services: Tracer... $35.00 Amendment...$35.00 Recalling Funds...$40.00 Wire Transfers: Domestic / International Incoming... $15.00 Non-ePartner Outgoing Wire Domestic...$35.00 Non-ePartner Outgoing Wire International...$50.00 epartner Outbound Wire Transfer...$15.00 epartner Outbound International Wire Transfer....$15.00 Additional Foreign Wire Transfer Fee Information Correspondent bank charges will be deducted from the amount received by the beneficiary. The charge will vary depending on the amount of the wire, ranging from $8.00 to $30.00, and is subject to change. These charges apply if a CNB correspondent bank is used; however, if the sender chooses a different intermediary bank, CNB has no control over the amount charged. Also, the beneficiary may be charged a fee for receiving an incoming wire, which is controlled by the beneficiary bank. In addition to the Wire Transfer fees charged, CNB retains a nominal spread on the Foreign Exchange (FX) rate provided by our correspondent bank. Upon request, CNB will provide you with that spread on the Foreign Exchange (FX) rate. Loans Partial Release...$15.00 Satisfaction of Mortgage Preparation... Starting at $15.00 + (County Charges) Payoff Letter (per request)... $20.00 Returned Deposited Check...$15.00 Verification of Mortgage...$10.00 Courier Fee... As quoted by Courier Letters of Credit Import Issuance ¼ of 1% per 90 days, min. $100.00...$100.00 Acceptance or Deferred Payment Commission 2% p.a., min. $150.00...$150.00 Negotiation (per presentation) ¼ of 1%, min. $100.00...$100.00 Amendments 12...$75.00 Export Advising...$100.00 Confirmation as Arranged (per 90 days), min. $125.00...$125.00 Negotiation (per presentation) ¼% of 1%, min. $100.00....$100.00 16 Member FDIC July 2018 City National Bank of Florida 17

Acceptance or Deferred Payment Commission 2% p.a., min. $150.00...$150.00 Amendments 12...$75.00 Transfer 1/3 of 1%, min. $300.00... $300.00 Assignment of Proceeds 1/3 of 1%, min. $300.00... $300.00 Special Handling Fee...$75.00 Standby Issuance 1% to 2% p.a., min. $250.00 (by arrangement)... $250.00 Negotiation 1/3%, min. $100.00....$100.00 Amendments 12...$75.00 Standby Fee as arranged or 2% p.a., min. $250.00... $250.00 Discounts Discount of Banker s Acceptance (Import L/Cs) as Arranged min.....$100.00 Swift Messages Amendment Swift... $50.00 Issuance Swift... $85.00 Treasury Management (TM) epartner Monthly Maintenance Fee (up to 10 accounts)... $35.00 epartner Monthly Maintenance Fee (per account over 11)....$10.00 epartner Set-up Fee... $99.00 epartner Wire Transfer Module....$15.00 epartner ACH Origination Module... $35.00 epartner Online Bill Payment & Presentment Module...$10.00 epartner Stop Payment per Item....$15.00 ACH Setup Fee... $25.00 ACH File Deletion Fee (per file)... $40.00 ACH Originated Returned Items (per item)... $5.00 ACH Monthly Maintenance... $25.00 ACH Originated Notification of Change (per item)... $3.50 ACH Debit Block... $20.00 ACH Debit Filter... $35.00 ACH Items (Debited/credited)... $0.20 ACH Total Transaction...$0.12 ACH Files...$15.00 ACH EDI Standard Maintenance... $20.00 Positive Pay Monthly Service Fee... $25.00 Check Writing Block... $20.00 ZBA Master Fee... $25.00 ZBZ Sub Account Fee... $20.00 Item Correction Fee (per item)...$15.00 Deposits Credited.... $0.45 Deposited Items.............................................................. $0.15 Checks Paid...$0.16 Currency Coin Deposit Adjustment Db... $5.00 Detailed Account Analysis.... $20.00 Icl Deposited Items... $0.11 Icl Deposit... $5.00 Remote Deposit Capture Office Deposit Scanner Fee.... $225.00 Office Deposit Monthly Service Fee... $55.00 Office Deposit Additional Location.... $55.00 Office Deposit Items...$0.12 Cash Vault Services Full Standard Coin (per deposited bag)... $0.50 Non-Standard Coin... $2.50 Deposit Correction.... $3.00 Change Order... $5.00 Boxed Rolled Order... $0.04 Per Strap Order.... $0.25 Electronic Cash Vault.... $25.00 Expedited Credit Monthly Maintenance.... $75.00 Cash Services Deposit (per ticket)... $0.80 Lockbox Monthly Maintenance Charge Per Lockbox (Retail or Wholesale)...$150.00 Lockbox Setup Fee....$100.00 Lockbox ACH...$0.12 Per Standard Item Deposited & Imaged + 1 Page Remittance... $0.45 Exception Items....$1.50 Stopped Items....$1.00 Document Imaging & Truncation (Ea. Additional Page of Remittance).... $0.06 Correspondence Flat fee...$10.00 Lockbox Returns... $0.25 Wholesale Standard Item...$0.75 Wholesale Document Imaging...$0.10 Full Account Reconciliation.... $50.00 Deposit Recon... $50.00 Partial Account Reconciliation.... $50.00 Controlled Disbursement Maintenance.... $75.00 Returned Item Email Service.... $25.00 BAI Monthly Maintenance... $50.00 PDF File Account Statement Monthly Maintenance... $20.00 PDF Statement Setup Fee... $25.00 Deposit Account Control Agreement... $200.00 DACA CNB Initial Setup Fee... $500.00 DACA Non-CNB Initial Setup... $1,500.00 Loan Sweep Fee...$125.00 REPO Sweep...$125.00 Book Transfer Credit... $5.00 Wire Transfer out... $25.00 Book Transfer Debit... $3.00 Drawdown Outgoing Wire...$15.00 Standing Transfer Order...$15.00 Miscellaneous Service Charges for Non-Account Holders ATM Usage Fee... $3.95 Traveler s Checks Cashed ($5.00 minimum)... 2% of face value 18 Member FDIC July 2018 City National Bank of Florida 19

Other Commercial Services City Client Fund Manager (CCFM) The master account is established in the account owner s name and linked to related client accounts (hereinafter sub-accounts ). CNB is not acting as escrow agent or in any other fiduciary capacity with respect to your master account or client sub-accounts. Each client sub-account will be a separate account; it can be an interest-bearing or non-interest-bearing account, opened by the account owner in the name of a party or parties to be designated by you at the time these accounts are opened. Account owner shall have exclusive dominion and control over the sub-accounts. Account owner is required to provide CNB with the legal name, taxpayer identification number, physical address, and date of birth (if applicable) of the party for whom the client sub-account is being opened, or any other information as CNB may request from time to time. CNB will permit the CCFM to be established only when the account owner and client have a known and acceptable contractual, fiduciary relationship or other acceptable relationship (e.g., attorneys, CPAs, property management companies, etc.). Deposit tickets or electronic deposits (e.g., wires, ACH, etc.) must indicate your client s name and sub-account number. Account owner certifies to CNB that they are authorized by their client to make deposits and withdrawals to the sub-accounts. Withdrawals from a sub-account can be made at either the master account or sub-account level. Before the master account can be closed, all sub-accounts must first be closed. Fees applicable to the master and sub-accounts will depend on the Checking or Money Market / Savings Product selected and other transaction or service related charges are listed within this Disclosures & Schedule of Fees. Other Services CNB offers a variety of other services for its commercial customers, including cash management services, lock box services, international banking, and repurchase agreement accounts. Disclosures and fees for these services are available by contacting your CNB bank representative. Item Processing, Posting and Payment We may not process and post credit, debits, and holds to your account in the order they occur or we receive them. When multiple items are presented on a banking day, the Bank generally processes all credit items deposited (e.g., deposited checks, incoming wire transfers, etc.) first, followed by debit items (e.g., outgoing wires, checks, etc.). You agree that we may credit items to and debit items from your account by posting such items arriving to your account on the same day by order of posting and category which we choose in our sole discretion. Typical categories of payment / debit types include ACH, cashed-out items, ATM transactions, points of sale (POSs), wires, inter-day transfers between your accounts, and checks. In choosing processing priorities for checks and other debit items, the posting order for all categories of debits, except fees, will be handled in the same manner, posting lowestto-highest dollar amount. For example, in the category of check processing, we will process checks received on a given day from lowest to highest. We may change the priority or order of any category, at any time, without notice to you; however, for your benefit, we will not change the lowest-to-highest payment of items within a category without prior notice. We further reserve the right to change the order of posting / payment priority without notice to you if we suspect fraud or possible illegal activity affecting your account. If the dollar amount of the debit items received exceeds the amount available at the time those items are presented, the Bank, at its discretion, may pay or return those items. For each item presented in excess of the amount available in the account, the Bank may impose a fee. Please refer to the Bank s applicable Disclosure & Schedule of Fees for the current amount of those fees. Notes 1. This account has an earnings credit, which may partially or completely offset the maintenance and service fees incurred by your account. The earnings credit is calculated on the average monthly positive ledger balance in your account less reserves as set by the Federal Reserve Board. Without prior notice and solely at our discretion, the earnings credit may be adjusted at any time. Actual fees charged to your account, including the rate of earnings credit, are reflected on your Detailed Account Analysis statement, and said statement may be provided upon request. 2. If you close your account before interest is credited, you will not receive the accrued interest. 3. Attorney Trust accounts participating in the Florida Bar Association Program are eligible to maintain an IOTA account. All maintenance fees are reimbursed by the Florida Bar Association. Interest on the IOTA account will be paid to the Florida Bar Association minus the monthly maintenance fee. CNB requires an operating account in the name of the law firm in order to charge any non-permissible service charges that the state program does not permit to be paid from the interest earned on the IOTA account, e.g., wire transfer, return check, overdraft fees, etc. 4. And any fraction thereof. 5. Transaction items include but are not limited to deposit tickets, checks paid (including electronic payments), deposited items (branch and remote deposit capture), withdrawals, and ACH debits. 6. Transaction fees for transaction items in excess of 200 will be reflected on your monthly statement as a maintenance fee. 7. The daily periodic rate is applied to the ledger balance from the day of deposit on Money Market Gold and IOTA Interest Checking accounts. 8. No interest will be earned if the balance falls below the minimum required collected balance. 9. Percent of amount for transactions done outside the U.S. whether foreign currency is converted or not. 10. Contents of safe deposit boxes are not insured by the FDIC. 11. If we have not already paid a check or other item drawn on your account, then at your request we may accept a stop-payment order on it. Properly signed stop-payment orders are effective for six (6) months after the date received and will automatically expire after that period unless renewed in writing (upon renewal, additional fees will apply). Refer to the Deposit Agreement for additional details on stop payments. 12. Increases to the Letter of Credit amount and Extensions to the Letter of Credit value are calculated at the same rate as the issuance fee. This amount is then added to the $75.00 amendment fee for the total charge. IMPORT / EXPORT: All credits are subject to the terms and conditions of Uniform Customs and Practice for Documentary Credits as published by the International Chamber of Commerce, 2007 Revision, ICC Publication No. 600, or any subsequent revisions thereto. STANDBY: Credits may be subject to ICC Pub. No. 600 (above) or most commonly used to the terms and conditions of International Standby Practices ISP98. All these conditions apply to normal transactions, postage, swift, and other out-of-pocket expenses as well as correspondent s charges, if any, will be additional. 20 Member FDIC July 2018 City National Bank of Florida 21