Welcome to
Premier Banking

Accounts are subject to approval. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and Account Terms and Conditions Schedule of Fees and Charges for the terms and conditions associated with this product.

1 Premier Clients have exclusive access to a Premier Money Market Checking account, a Premier 6 month Certificate of Deposit, and a Premier 12 month Certificate of Deposit. These products are only available to Premier Banking Clients and feature higher rates than the published rates on standard Money Market Checking, 6 month Certificate of Deposit, and 12 month Certificate of Deposit. Interest rates are set at the Bank’s discretion and are subject to change without notice.

2 ATM surcharges will be automatically rebated for any other financial institution-owned and operated ATM in the United States.

3 The Combined Balance Option allows you to combine certain balances to avoid paying monthly service charges on your eligible checking account. The Combine Balance Option requires identical account ownership. You can avoid the monthly service charge on only one checking account by choosing the Combined Balance Option. The Option is activated on any day the checking account balance falls below the minimum amount required to avoid the monthly service charge. When that happens, the balance of the checking account will be combined with the lowest month-to-date minimum balance(s) in the flexed account(s) to determine if you meet the balance requirement.

4 To qualify for the fee waiver, Premier checking account must be established prior to Home Equity Line of Credit (HELOC) funding. Subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations, and exclusions may apply. Property insurance, may include flood insurance, required. Home Equity Line of Credit features variable rates based on the Prime Rate published each day in The Wall Street Journal Money Rates Table (the "Index"), plus a margin. The APR can change monthly, but will not vary above 18% APR, or below 2.99% APR for 1-4 family owner-occupied/second homes. For non-owner occupied 1-4 family homes the APR will not go below 4.99%. The Index as of the last date changed on 06/14/2018 is 5.00%. As of 06/14/2018, the variable rate for home equity credit lines of $20,000-$250,000, with a combined-loan-to-value ratio (CLTV) up to 75% range from 4.875% APR to 5.50% APR on an owner-occupied 1-4 family residence and from 6.25% APR to 6.50% APR on non-owner occupied 1-4 family homes. APR includes a 0.50% interest rate discount for maintaining automatic loan payments (ALP) from a Fremont Bank personal checking account. ALP discount only applicable as long as automatic payments are set up from a Fremont Bank personal checking account. Only one ALP discount per home equity line of credit will apply. The removal of any discount will increase the rate. Higher rates may apply for credit limits below $20,000 or above $250,000, and/or lien position. Rates are subject to change without notice. You may also be required to pay certain fees to open the HELOC. Fees generally total between $0 and $900. The $75 annual fee is waived for the first year. After the first (1st) year, during the Draw Period, you will be required to pay the annual fee of $75 for each year the account is open, whether it is used or not. The Annual Fee will not be refunded in whole or in part and will be owed to the bank once it is posted to your account, even if the account is subsequently changed, frozen, closed or terminated for any reason. For credit lines of $25,000 and higher, if you terminate the HELOC account within 36 months of opening, you will be required to pay an early closure fee of $500 plus and reconveyance and recording fees Fremont Bank paid on your behalf. We may reduce or suspend your credit limit if any of the conditions that existed at the time your HELOC was opened change significantly, such as the value of your home declines, we reasonably believe you may no longer be able meet the repayment terms, or you default on a material provision of your HELOC agreement. Consult your tax advisor regarding the deductibility of interest and charges.

5 Available to sole proprietor businesses only. Business account type is limited to Small Business Checking, Regular Business Checking, and Professional Business Checking.

6 Terms and conditions apply. $250 documentation fee waiver on qualifying business loans under $250,000. Sole Proprietor must have a Premier Personal Checking account at time of commercial loan funding to qualify for the fee waiver. Loan is subject to approval. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

7 Premier Clients may be invited to exclusive Fremont Bank events throughout the year. Fremont Bank does not provide any guarantee regarding the number of invites you will receive.