Welcome to First Intercontinental Bank

BUSINESS CHECKING ACCOUNT (ANALYSIS)

This account is not a consumer account subject to Truth in Savings
Minimum amount to open the account $500
Applicable fees are offset by an earnings credit on balances
Maintenance fee $10.00. Fully analyzed account, with unlimited activity.
Checks paid/other debits, per item 10 cents
Deposited item, per item .04 cents (applies to checks, and other items deposited)
Interest Paid- None
Account Closing fee $25, if closed within 181 days of opening

REGULAR BUSINESS CHECKING ACCOUNT

This account is not a consumer account subject to Truth in Savings
Minimum amount to open the account $100
Monthly account maintenance fee $8 (To avoid monthly maintenance fee, maintain a minimum balance of $1,500)
Fees: An excess fee of $0.10 will be charged for each debit/ credit item in excess of 100 during a statement cycle
Interest Paid- No
Account closing fee $25, if closed within 181 days of opening

SMALL BUSINESS ACCOUNT

This account is not a consumer account subject to Truth in Savings
Minimum amount to open the account $500
No minimum balance required
Monthly account maintenance fee $8
An excess item charge of $.30 will be charged for each item in excess of 25 during a statement cycle
Interest Paid- No
Account closing fee $25, if closed within 181 days of opening

IOLTA ACCOUNT

(Interest earned is forwarded to the Georgia Bar Foundation)

This account is not a consumer account subject to Truth in Savings
Minimum amount to open the account $100
Monthly account maintenance fee $8
Interest Paid-Yes
Rate Information: Your interest rate and annual percentage yield may change
Frequency of rate changes: We may change the interest rate on your account at anytime
Determination of rate: At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
If you close your account before interest is credited, you will not receive the accrued interest
Account closing $25, if closed within 181 days of opening
Accrual of interest on non-cash deposits: Interest begins to accrue no later that the business day we receive credit for the deposit of non-cash items.
Interest Rate: Please contact Customer Service for current rates.

NON PROFIT ACCOUNT

(Analyzed Interest Bearing Account for Non-Profit Organization)

This account is not consumer account subject to Truth in Savings
Minimum amount to open the account $100
Monthly account maintenance fee $8
Interest Paid- Yes
Rate Information: Your interest rate and annual percentage yield may change
Frequency of rate changes: We may change the interest rate on your account at anytime
Determination of rate: At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
If you close your account before interest is credited, you will not receive the accrued interest
Accrual of interest on non-cash deposits: Interest begins to accrue no later that the business day we receive credit for the deposit of non-cash items (For example, checks)
Interest Rate: Please contact Customer Service for current rates.

GOVERNMENTAL ACCOUNT

(Analyzed Interest Bearing Account for Governmental Entities)

This account is not a consumer account subject to Truth in Savings
Minimum amount to open the account $100
Monthly account maintenance fee $12
Interest Paid- Yes
Rate Information: Your interest rate and annual percentage yield may change.
Frequency of rate changes: We may change the interest rate on your account at anytime
Determination of rate: At our discretion, we may change the interest rate on your account
Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account every month.
Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
If you close your account before interest is credited, you will not receive the accrued interest
Accrual of interest on non-cash deposits: Interest begins to accrue no later that the business day we receive credit for the deposit of non-cash items (For example, checks)
Interest Rate: Please contact Customer Service for current rates.