Premier Checking

1 Existing Fremont Bank Private Bank Clients: are eligible for a discounted rate when applying for a new residential first-lien mortgage loan submitted directly to Fremont Bank. New Fremont Bank Private Clients: must establish a consumer Premier deposit relationship with $250,000 or more prior to final loan approval or within 15 days of locking in the rate on their first mortgage.

2 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 the product.

3 Premier and Private Bank Clients may be invited to exclusive Fremont Bank events throughout the year. Fremont Bank does not provide any guarantee regarding the number of invites a Premier or Private Bank client will receive.

4 APY is accurate as of 03/06/2023. This is a variable rate account and the APYs and interest rates are subject to change daily after six-month promotion period ends without prior notice. Standard Premier Money Market Checking (MMC) interest rates and APYs will apply after the promotional period ends. Federal regulations impose limitations on certain types of transfers from this account. You are limited to a total of six withdrawals and/or transfers per month or statement period by means of preauthorized, automatic or telephone transfers, debit card or check (for accounts with check privileges). Transfers to other Fremont Bank accounts are counted as part of the six-transaction limit. Excessive Transaction fee $15 for each withdrawal and transfer made after the first six during the monthly statement cycle. If you exceed these limits on more than an occasional basis, we may convert your account to another type of account and your account may no longer earn interest. Fees could reduce earnings on the account. Please ask for Fremont Bank's Deposit Account Agreement for balance requirements and transaction limitations.

5 Premier clients have access to a Premier Money Market checking account. This product is only available to Premier Banking Clients and features higher rates than the published rates on standard Money Market Checking. Interest rates are set at the Bank’s discretion and are subject to change without notice.

6 Applies to a new residential first-lien mortgage loan submitted directly to Fremont Bank. Mortgage loan must be funded and closed in order to be eligible to receive an account bonus. Premier Checking clients will be credited $250. Limited to one bonus per 12 months and may be discontinued at any time without notice. Account bonus will be credited to the primary borrower’s Premier Checking account within 90 days after mortgage loan funding. Premier Checking account must be open and in good standing. Account bonuses will be reported as interest and Fremont Bank may issue an Internal Revenue Service Form 1099.

7 Existing Premier/Private Deposit Clients are eligible for up to 0.25% margin reduction on our HELOC 360 or Interest-Only HELOC products. Margin discount only available to existing Fremont Bank Premier/Private clients with account in good standing at the time of HELOC application. Margin discount not available to clients wishing to establish a Premier or Private Bank relationship at the time of application.

8 See the Fremont Bank Guide to Benefits for more information and a complete explanation of card benefits.

9 Available to sole proprietor businesses only. Business account type is limited to Business Plus Checking.

10 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.

11 Private Bank benefits available to clients with a Premier Checking account who maintain combined consumer balances of $250,000 or more, over a calendar quarter. Private Bank benefits may be removed if you fail to maintain qualifying balances.

12 Annual waived rent on one 2x5, 3x5 or 5x5 Safe Deposit Box for clients with Private Bank status. Subject to availability. Limit one per relationship. Additional fees may apply. See Deposit Account Agreement for details.

13 Private Bank rates apply to select deposit products and services when you maintain a Premier Checking account with qualifying balances of $250,000 or more.

14 Existing Fremont Bank Private Bank Clients: are eligible for a discounted rate when applying for a new residential first-lien mortgage loan submitted directly to Fremont Bank. New Fremont Bank Private Clients: must establish a consumer Premier deposit relationship with $250,000 or more prior to final loan approval or within 15 days of locking in the rate on their first mortgage.

15 The Combined Balance Option allows you to combine certain balances to avoid paying monthly service charges on your eligible checking account. The Combined 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.

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

Mastercard® and the Mastercard Brand Mark are registered trademarks and Mastercard Global Service® and Mastercard Airport Concierge® are trademarks of Mastercard International Incorporated, used pursuant to a license.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.