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Personal Schedule of Fees Effective for All Accounts Or Services Used on Or After September 17, 2014

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Personal Schedule of Fees Effective for All Accounts Or Services Used on Or After September 17, 2014 U.S. Banking Personal Schedule of Fees Effective for all accounts or services used on or after September 17, 2014. Thank you for choosing RBC Bank for your financial needs. This document serves as a reference for all fees and balance requirements for RBC Bank personal accounts and services. If you have questions on any of the accounts or services listed, please call 1-800 ROYAL® 5-3 (1-800-769-2553). Direct Checking Premium Checking Minimum deposit to open account $50.00 Minimum deposit to open account $50.00 Monthly maintenance fee options: Maintenance fee options: Maintenance fee with e-statements $3.95 Monthly payment options Maintenance fee with paper statements $5.95 Maintenance fee with e-statements $9.95 Maintenance fee with paper statements $11.95 Transaction limits: Annual payment options Up to 10 external debit transactions No charge Maintenance fee with e-statements $99.95 Over 10 external debit transactions $1.00 per Maintenance fee with paper statements $119.95 External Transactions include: Checks, transaction Online Bill Payment, ACH debits, Debit Card Purchases, ATM withdrawals, outgoing wires, Transaction limits: and Official Checks Unlimited transactions at no additional charge No fee Business Checking (Personal Holding Companies) Personal Savings Minimum deposit to open account $100.00 Minimum deposit to open account (requires a $100.00 RBC Bank personal checking account to qualify) Service fee $10.00 Monthly maintenance fee $5.00 Excessive withdrawals (per withdrawal over 50 $0.35 per month) per item Excessive withdrawal fee $5.00 (per withdrawal over 6 per month) per item Avoid monthly maintenance fee with the following qualifier: Avoid monthly maintenance fee with the following qualifier: n Minimum balance $3,000.00 n Minimum balance $300.00 Preferred Money Market Account Federal law requires that no more than six preauthorized or automatic transfers (including online and telephone transfers) to other accounts Minimum deposit to open $1,000.00 you have with us or to third parties may be made from the Personal Monthly maintenance fee $5.00 Savings Account during any statement cycle. Excessive preauthorized transfers will result in account closure. Excessive withdrawal fee (per withdrawal over 6 $5.00 per month) per item Money Market Investment Account Avoid monthly maintenance fee with the following qualifier: Minimum deposit to open $1,000.00 n Minimum balance $1,000.00 Monthly maintenance fee $5.00 Federal law requires that no more than six preauthorized or automatic transfers (including online and telephone transfers) to other accounts you Excessive withdrawal fee (per withdrawal over 6 $5.00 have with us or to third parties may be made from the Preferred Money Market per month) per item Account during any statement cycle. Excessive preauthorized transfers Avoid monthly maintenance fee with the following qualifier: may result in conversion of your account to a different account type. n Minimum balance $1,000.00 Visa‡ Debit Card/ATM Banking Federal law requires that no more than six preauthorized or automatic transfers (including online and telephone transfers) to other accounts Debit card rush delivery fee $35.00 you have with us or to third parties may be made from the Money Market Investment Account during any statement cycle. Excessive preauthorized International transaction fee 3.00% of all transfers may result in conversion of your account to a different account type. foreign currency transactions Use of PNC Bank ATM†† No fee Use of another bank’s ATM (ATM terminal owner No RBC Bank charges may apply 1) fee Page 1 of 2 Other Services And Fees Account early close fee (within 180 days) $35.00 Deposit reversal international fee $35.00 each (chargebacks) Checks deposited drawn on non-U.S. banks $20.00 per check Stop payment $34.00 each Foreign currency Courier fee Tax levies and garnishments $100.00 each Hold statement fee $2.00 per month Wire transfers: International check collection $50.00 each Notification(upon availability) Account verification fee $10.00 each Email notification $3.00 each Nonsufficient funds fee Fax notification $5.00 each 2 (whether item is paid or returned) Domestic Maximum NSF fees charged per day total $35.00 each $140, and no charge will be assessed if Client incoming $15.00 each the negative balance is $5 or less. Client outgoing $25.00 each Official checks $6.00 each Recall/cancellation $20.00 each Wire research $10.00 each Photocopy fee $7.00 each (per copy plus research fee if applicable) International Client incoming $15.00 each Research fee (non-bank error) per request $25.00 each Client outgoing $75.00 each Research fee (bank error) No charge Recall/cancellation3 $50.00 each Deposit reversal fee (chargebacks) $8.00 each Wire research $20.00 each This Schedule of Fees serves as a supplement to other RBC Bank Electronic Fund Transfer Act and Truth in Savings Act disclosures provided to you in separate documents. Notification of increases in any existing charges, or the implementation of any new charges, which are required to be disclosed under either of these laws and their accompanying regulations, will be made to you at least 30 days before the change or new fee becomes effective. Member FDIC. ® / ™ Trademarks of Royal Bank of Canada. Used under license. RBC Bank means RBC Bank (Georgia), N.A., a subsidiary of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owners. †† © 2014 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC 1 Up to 4 rebates (Premium Checking) or 2 rebates (Direct Checking) per cycle for ATM usage fees charged by other banks on request. 2 Electronic items are generally paid in the order received and non-electronic items are generally paid in order from lowest to highest dollar amount, after first posting all credits for the day. 3 You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. © RBC Bank (Georgia), N.A. 2014. Page 2 of 2 R007EN (09/2014) Addendum to the Personal Schedule of Fees and Service Agreement for Personal Accounts Please read this supplement and keep a copy for your records. Effective July 1, 2020 This addendum sets forth amendments to the Personal Schedule of Fees and Service Agreement for Personal Accounts, dated September 17, 2014 (the “Service Agreement”). These amendments are effective as of July 1, 2020. All terms, conditions and provisions of the Service Agreement that are not expressly amended by this Addendum remain in effect and have not changed. The section referenced “Your Ability to Withdraw Funds Deposited into Checking Accounts (Our “Funds Availability Policy”), with subsections “Longer Delays May Apply” and “Special Rules for New Accounts” (“Amended Sections”), on page 11 of the Agreement are changed as set forth below. The Amended Sections are amended to read as follows: Longer Delays May Apply. Funds you deposit by check may be delayed for a longer period under the following circumstances: (i) we believe a check you deposit will not be paid; (ii) you deposit checks totaling more than $5,525 on any one day; (iii) you redeposit a check that has been returned unpaid; (iv) you have overdrawn your Account repeatedly in the last six months; or (v) there is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh Business Day after the day we receive your deposit. These holds may also apply to checks drawn on Federal Reserve Banks or Federal Home Loan Banks, state and local government checks, U.S. Treasury checks, and money orders. Special Rules for New Accounts. If you are a new client, the following special rules will apply during the first 30 days your Account is open. Electronic direct deposits will be available on the day we receive the deposit. Incoming wire transfers will be available no later than the first Business Day after we receive the wire, and may be available on the day we receive it. Funds from deposits of cash (in any case where we may agree to accept cash), wire transfers, and the first $5,525 of a day’s total deposits of U.S. Treasury checks will be available on the first Business Day after the day we receive your deposit if the deposit meets certain conditions (for example, U.S. Treasury checks must be payable to you). Funds from the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and state and local government checks will be available on the second Business Day after the day we receive your deposit if the deposit meets certain conditions (for example, the checks must be payable to you and we may require you to use a special deposit slip). In any instance where we initially make available only the first $5,525 of a deposit, the excess over $5,525 generally will be available on the ninth Business Day after the day we receive your deposit. However, we may place longer holds on certain deposits for other reasons (see “Longer Delays May Apply” above). Funds from all other check deposits generally will be available on the eleventh Business Day after the day we receive your deposit. Effective July 1, 2018 This addendum sets forth amendments to the Service Agreement for Non-Personal, dated June 7, 2014 (the “Service Agreement”). These amendments are effective as of July 1, 2018. All terms, conditions and provisions of the Service Agreement that are not expressly amended by this Addendum remain in effect and have not changed.
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