Republic Bank

This disclosure contains the rules which govern your deposit account.

MINIMUM OPENING REQUIREMENTS

There is no minimum deposit required to open this account.

FEES and CHARGES

Charges which may be applied to this account.

$ 4         Non Republic ATM Transaction (After 4 Free Transactions per Statement Cycle)   
$10        Cashier’s Check Fee   
$12        Return Deposit Fee   
$36        Overdraft Fee (per check or in-person, ATM or electronic withdrawal)
$36        Returned Item Fee (per Item, per Return)
$36        Stop Payment Request
$ 8         Daily Overdraft Fee (per business day beginning on the 3rd  consecutive business day)
Varies    Check Printing Order (Fee Depends on Style of Check Ordered)

Your account will be considered DORMANT after 18 months of inactivity.

ADDITIONAL DISCLOSURE TERMS

The first 4 Non Republic ATM Transaction Fees will be waived each statement cycle.  Additionally, your account will automatically be reimbursed for the first 4 Non Republic ATM Transaction Fees assessed to you by the ATM owner. Fees will be reimbursed on next business day.