* Fremont Bank (the "Bank") will make the annual donation to the nonprofit organization chosen by the B-Charitable account holder. The nonprofit organization must be selected from the list of approved nonprofit organizations provided by the Bank. The Bank retains the right, in its sole discretion, to determine which nonprofit organizations will be included on such list. The donation amount will be determined in the Bank's sole discretion, provided however that the applicable percentage to be applied to an account holder's B-Charitable Checking Account and the rate for the qualified Fremont Bank B-Charitable Visa® Check Card ("VCC") transactions will be fixed at the time such account holder's account is opened and will also be subject to change, in the Bank's sole discretion, as of January 1st each year for each such account then in existence. The Bank's donation will be distributed to the nonprofit organization's operating account with the Bank based upon a percentage of the Year-To-Date Average Available Annual Balance and a fixed rate on qualified posted VCC transactions, based upon 12 months period, in the account holder's B-Charitable Checking Account as of December 31st of each year. Both the nonprofit organization's operating account and the account holder's B-Charitable Checking Account must be open on December 31st, provided however, that in the event that the Bank elects, in its sole discretion, to terminate the B-Charitable Program, the amount of the donation to be made to the chosen nonprofit organization shall be calculated based on the pro-rated Year-To-Date Average Available Annual Balance and current qualifying posted VCC transactions in the account holder's qualifying account as of the date that the Bank terminates the B-Charitable Program, which pro-ration shall be based on a 12 months period. The Bank's donation is not tax-deductible to the B-Charitable Checking account holder.

**A fixed amount per posted VCC transaction, determined by the Bank in its sole discretion, will be donated on all signature-based (Credit) and pin-based (Debit) posted transactions (“swipes”) using the Fremont Bank B-Charitable VCC. Transactions at an ATM are not eligible. Swipes are calculated on a fiscal basis with a payout based on the calendar date of December 31st of each year. The B-Charitable Checking account holder must have completed at least 20 swipes during the fiscal year of January 1st through December 31st to qualify.

***ATM surcharges will be automatically rebated for any other Bank-owned and operated ATM in the United States.