Business Checking and Savings

TRANSACTION ACCOUNT GUARANTEE PROGRAM

Beginning July 1, 2010, Baybank will no longer participate in the FDIC's Transaction Guarantee Program. Thus, after June 30, 2010, funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.

This notice is required by Federal Law

Business Checking

Baybank's business checking accounts offer the tools you need for complete and accurate accounting plus some of the lowest fees and the highest earnings credit available. Monthly statements are mailed on the first of each month. Services charges for business checking accounts are calculated in the following manner:

Service	Fee
Statement Charge	$5.00
Charge per check/debit	$.10
Charge per deposit/credit	$.15
Charge per item deposited	$.08
Telephone Transfers	$1.00

Earnings Credit - "Baybank pays an extraordinary earnings credit, please call for the current rate."

Business Savings

Every business wants to earn interest on dollars that are temporarily idle. This is why Baybank has developed the "Corporate Choice" business savings account. Meant to be the "choice" of any business, Corporate Choice pays an APY normally earned in money markets and CD's. Corporate Choice is available to all businesses, whether a sole proprietorship, a partnership, or a corporation. A minimum collected balance of $10,000 is required to earn the highest rate and avoid any service fees. There is no limit to the number of "in person" deposits and/or withdrawals in Corporate Choice, however, pre-authorized or telephone transfers are limited to six per month. Telephone transfers to and from your Corporate Choice business savings can be made on Fridays with no transfer fee. Ask any Baybank representative for the current interest rate on this outstanding business savings account.