Republic Bank

This disclosure contains the rules which govern your deposit account.

MINIMUM OPENING REQUIREMENTS

To open this account you must deposit at least $10.00.

FEES and CHARGES

Charges which may be applied to this account.

$4.95   Monthly Fee*
$3        Non-Republic ATM Fee
$10      Cashier’s Check Fee 
$12      Return Deposit Fee 
$ 2       Monthly Paper Statement Fee
$36      Stop Payment Request 
Varies  Deposit Ticket Order (Fee Depends on Style Ordered)

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

TRANSACTION LIMITATIONS

Check writing is not permitted. If a check is presented for payment, it will be returned unpaid.

ADDITIONAL DISCLOSURE TERMS

Monthly Fee*

A Monthly Fee of $4.95 will be imposed every statement cycle unless at least one (1) of the following three (3) conditions are met:

1. At least one (1) direct deposit (ACH credit transaction, such as payroll or other automatic transfer into your account) is credited to your account during the statement cycle.
2. At least one (1) debit card point-of-sale (POS) transaction (excluding ATM transactions) is debited from your account during the statement cycle. POS transactions in a Pending status at the end of your statement cycle are not included.
3. At least one (1) online Bill Pay transaction is debited from your account during the statement cycle. Personal Internet Banking is required to use the Bill Pay service.

NOTE:  Monthly Service Fees  are  assessed  on  the  statement  cycle date.   Please allow  enough  available  funds  to  remain in  the account to cover   service fees and avoid an overdraft situation.