Fee Schedule: Personal Products & Services

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Fee Schedule:

Personal Products

& Services

California

Georgia

Tennessee

October 1, 2014

For use with

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An Important Message…

Effective October 1, 2015, we will make changes to our fees

and terms that may affect your account. Please review these changes carefully and file this addendum with your fee schedule. The most recent fee schedules are: Fee Schedule: Personal Products & Services, and Fee Schedule: Business Products & Services ; Account Analysis for Personal and Business Accounts that are all dated October 1, 2014. Revised fee schedule(s) reflecting the changes described in this addendum will be available after October 1, 2015.

City National sets its fees and charges, taking into account operating expenses, the costs associated with a particular product or service and other factors, including market conditions and return on equity. These fees and charges may be more or less than the actual cost of providing a particular product or service.

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PERSONAL ACCOUNTS

Charges and Fees

Personal Checking Account

(Also applies to Special Checking)

If average daily balance not $20 monthly met during statement period maintenance fee Note: Per item fee will be eliminated

Personal Checking Account (Nevada Only)

Interest Checking Account

Interest Checking Account (Nevada Only)

Senior Checking Account

(Not available for new accounts)

If minimum daily balance not $7.50 monthly met during statement period maintenance fee Note: Per item fee will be eliminated

Personal Money Market Account

(Also applies to Employee Benefits Money Market Account) If minimum daily balance not $20 monthly met during statement period maintenance fee

The Ladder Personal Money Market Account

If minimum daily balance not $25 monthly met during statement period maintenance fee

Child Performer Trust Account (New York Only)

If average daily balance not $5 monthly met during statement period maintenance fee Maintenance fee waived on Child Performer Trust Accounts until account beneficiary reaches age 18.

BUSINESS ACCOUNTS

Charges and Fees

Basic Business Checking Account

(Not available for new accounts)

Fees listed below assessed monthly regardless of balance

First 150 items deposited No charge Each item deposited over 150 $0.20 per item

Business Checking Account

(Also applies to Public Funds and Bankruptcy Checking Accounts) Fees listed below assessed monthly regardless of balance

Business Essential Checking Account

(Primary Account for the Business Builder Essential Package) Fees listed below assessed monthly regardless of balance

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Charges and Fees

Business Elite Checking Account

(Primary Account for the Business Builder Elite Package) Fees listed below assessed monthly regardless of balance

Business Interest Checking Account

(Also applies to Public Funds and Bankruptcy Interest Checking) (Available only to sole proprietorships, non-profit organizations, and certain government agencies)

Balance Charges and Fees Minimum daily balance $7,500 No monthly

maintenance fee Average daily balance1 _$15,000 _{No monthly}

maintenance fee If minimum or average daily balance $20 monthly not met during statement period maintenance fee Fees listed below assessed monthly regardless of balance

Business Interest Demand Checking Account

Fees listed below assessed monthly regardless of balance

Business Money Market Account

(Also applies to Bankruptcy, Non-Profit, and Public Funds Money Market Accounts)

Balance Charges and Fees Minimum daily balance $5,000 No monthly

maintenance fee If minimum daily balance not met $20 monthly during statement period maintenance fee

The Ladder Business Money Market Account

If minimum daily balance not met $25 monthly during statement period maintenance fee ACCOUNT ANALYSIS

The following charges are assessed to an account that has been set up as an analyzed business or personal account.

Charges and Fees

Checks deposited $0.12 per item

SERVICE FEES

At our discretion, the following charges may be assessed directly to your account, or assessed through the Account Analysis System to be covered by your account balances if your account has been set up as an analyzed business or personal account.

Charges and Fees

Deposited Checks Returned Unpaid

Per check charged back, and $12 Per check re-cleared automatically, and $3 If re-cleared check is again returned unpaid $12

Foreign Bank Draft $55 per draft

Foreign Currency Service

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Charges and Fees

Overdraft Fees and Insufficient Funds (NSF) Fees2

Personal (Consumer) Accounts

Paid or returned debits $37 per debit Maximum daily NSF/OD fees $185 per day If the total overdraft on any given day is less than $5, we will not assess the applicable NSF/OD fee.

Analyzed Business Accounts

Paid or returned debits $37 per debit

Paper Statement Format Options

(Personal Accounts Only - excludes Private & Preferred, Green Checking and Lifeline Accounts)

Standard Statement with No Check Images No Charge Standard Statement with Check Images $2 per month (18 images per page, front image only)

Wire Transfer Service

Domestic Outgoing Internet Initiated

Repetitive/Non-Repetitive $11 per wire Internal Wire (Book Transfer) $5 per wire International outgoing

Non-Internet-initiated

Non-repetitive - Foreign Currency $50 per wire Non-repetitive - U.S. Dollar $55 per wire Repetitive - Foreign Currency $40 per wire Repetitive - U.S. Dollar $45 per wire

Mail Wire Advices $4 per advice

Telephone Wire Advices $12 per advice OTHER BUSINESS SERVICES

Stop Payment Service (Initiated through Business Online, Treasury Net or EASI Link)

Charges and Fees 6-month Single Stop $14 per stop 6-month Range Stop $26 per range stop

EASI Link - Small Business

Prior Day Information Reporting Maintenance

Up to 3 Accounts $5 per month Additional Accounts $1 per month

Check Positive Pay

Exceptions Reported $1.50 per item Exceptions Returned $12.50 per item Payee Service Maintenance $30 per account,

per month

Per Image Viewed $0.25 per item

1 _{Average daily balance determined by adding each day's closing}

ledger balance during the statement period and dividing by the number of days in that period.

2 _{Debits for which overdraft/insufficient funds fees can be assessed}

include any transaction presented for payment against an account (such as checks you write, ACH transactions you authorize, ATM withdrawals, returned deposited items, Check Card, and point-of sale transactions) and the fee applies to all debits presented whether they are paid or returned. Overdraft fees are not assessed on our fees and charges nor are they assessed for one-time Debit Card or ATM transactions on consumer accounts.

CNB Member FDIC Member Federal Reserve System

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Addendum to the Personal

Fee Schedule

Platinum Banking

Effective April 1, 2015, Platinum Banking program

benefits will be revised to discontinue the Discount on

a new Total Line of Credit account as a defined benefit

of Tier Five. This change amends the benefits as stated

in

Fee Schedule: Personal Products & Services, dated

October 1, 2014. Please review these changes and file

this addendum with your fee schedule. This change will

not affect the Discount applied to Total Lines of Credit

established before April 1, 2015.

Platinum Banking Account

Platinum Banking is an interest-bearing account

package with tiered benefits. To receive the benefits of

a particular tier, the balance requirements for that tier

must be met.

Additional Benefits of Platinum Banking

In all tiers of Platinum Banking, CNB will waive our

fee on withdrawals made at non-CNB ATMs. CNB will

pay all reasonable surcharges assessed by non-CNB

ATM operators. Please note that the International

Transaction Fee is not a surcharge and is not included

in the waiver of surcharges.

Balance Level

Tier Five

$50,000 average qualification balance



Tiered Rate of Interest.



Cashier's Checks with no fee.



Maintenance Fee waived.



ATM benefits described above.



$50 credit toward the annual rental of a safe

deposit box.



Maintenance Fee waived on one additional

Personal Checking Account. The additional

account must be owned by the same individual

who owns the Platinum Banking Account.

ID 08134 (03/2015) (801)

Addendum to the Personal

Fee Schedule

Platinum Banking

Effective April 1, 2015, Platinum Banking program

benefits will be revised to discontinue the Discount on

a new Total Line of Credit account as a defined benefit

of Tier Five. This change amends the benefits as stated

in

Fee Schedule: Personal Products & Services, dated

October 1, 2014. Please review these changes and file

this addendum with your fee schedule. This change will

not affect the Discount applied to Total Lines of Credit

established before April 1, 2015.

Platinum Banking Account

Platinum Banking is an interest-bearing account

package with tiered benefits. To receive the benefits of

a particular tier, the balance requirements for that tier

must be met.

Additional Benefits of Platinum Banking

In all tiers of Platinum Banking, CNB will waive our

fee on withdrawals made at non-CNB ATMs. CNB will

pay all reasonable surcharges assessed by non-CNB

ATM operators. Please note that the International

Transaction Fee is not a surcharge and is not included

in the waiver of surcharges.

Balance Level

Tier Five

$50,000 average qualification balance



Tiered Rate of Interest.



Cashier's Checks with no fee.



Maintenance Fee waived.



ATM benefits described above.



$50 credit toward the annual rental of a safe

deposit box.



Maintenance Fee waived on one additional

Personal Checking Account. The additional

account must be owned by the same individual

who owns the Platinum Banking Account.

ID 08134 (03/2015) (801)

Addendum to the Personal

Fee Schedule

Platinum Banking

Effective April 1, 2015, Platinum Banking program

benefits will be revised to discontinue the Discount on

a new Total Line of Credit account as a defined benefit

of Tier Five. This change amends the benefits as stated

in

Fee Schedule: Personal Products & Services, dated

October 1, 2014. Please review these changes and file

this addendum with your fee schedule. This change will

not affect the Discount applied to Total Lines of Credit

established before April 1, 2015.

Platinum Banking Account

Platinum Banking is an interest-bearing account

package with tiered benefits. To receive the benefits of

a particular tier, the balance requirements for that tier

must be met.

Additional Benefits of Platinum Banking

In all tiers of Platinum Banking, CNB will waive our

fee on withdrawals made at non-CNB ATMs. CNB will

pay all reasonable surcharges assessed by non-CNB

ATM operators. Please note that the International

Transaction Fee is not a surcharge and is not included

in the waiver of surcharges.

Balance Level

Tier Five

$50,000 average qualification balance



Tiered Rate of Interest.



Cashier's Checks with no fee.



Maintenance Fee waived.



ATM benefits described above.



$50 credit toward the annual rental of a safe

deposit box.



Maintenance Fee waived on one additional

Personal Checking Account. The additional

account must be owned by the same individual

who owns the Platinum Banking Account.

ID 08134 (03/2015) (801)

Addendum to the Personal

Fee Schedule

Platinum Banking

Effective April 1, 2015, Platinum Banking program

benefits will be revised to discontinue the Discount on

a new Total Line of Credit account as a defined benefit

of Tier Five. This change amends the benefits as stated

in

Fee Schedule: Personal Products & Services, dated

October 1, 2014. Please review these changes and file

this addendum with your fee schedule. This change will

not affect the Discount applied to Total Lines of Credit

established before April 1, 2015.

Platinum Banking Account

Platinum Banking is an interest-bearing account

package with tiered benefits. To receive the benefits of

a particular tier, the balance requirements for that tier

must be met.

Additional Benefits of Platinum Banking

In all tiers of Platinum Banking, CNB will waive our

fee on withdrawals made at non-CNB ATMs. CNB will

pay all reasonable surcharges assessed by non-CNB

ATM operators. Please note that the International

Transaction Fee is not a surcharge and is not included

in the waiver of surcharges.

Balance Level

Tier Five

$50,000 average qualification balance



Tiered Rate of Interest.



Cashier's Checks with no fee.



Maintenance Fee waived.



ATM benefits described above.



$50 credit toward the annual rental of a safe

deposit box.



Maintenance Fee waived on one additional

Personal Checking Account. The additional

account must be owned by the same individual

who owns the Platinum Banking Account.

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Fee Schedule: Personal Products & Services

Please see page 11-12 for explanation of all

footnotes.

CHECKING, MONEY MARKET, SAVINGS

Personal Checking Account

Balance Charges and Fees Required opening deposit $1,000

Average daily balance1 _$3,000 _{No monthly}

maintenance fee If average daily balance not $15 monthly met during statement period maintenance fee

and $0.35 per item fee for each debit2

Lifeline Checking Account

Balance Charges and Fees Required opening deposit $100

Monthly maintenance fee $5 First 7 checks per month No charge

Each check over 7 $0.60 per check

(includes checks that have been electronified)

First 7 electronic debits per month3 _{No charge}

Each electronic debit over 7 $0.60 per debit Interest Checking Account

Balance Charges and Fees Required opening deposit 1,000

maintenance fee If average daily balance not $16 monthly met during statement period maintenance fee,

and $0.35 per item fee for each debit2

Interest Checking Plus Account

maintenance fee If average daily balance not $26 monthly met during statement period maintenance fee City National Green Checking Account

City National Green Checking is an interest-bearing account available exclusively online. To open this account, please visit cnb.com.

maintenance fee

With direct deposit No monthly

maintenance fee If average daily balance not met $10 monthly during statement period and no maintenance fee direct deposit

Paper statement fee4 _{$5 per month}

(no charge for electronic statements)

Each check $2 per check

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Note: City National Green Checking is designed for ATM, check card and online banking transactions (no checks). If a check is presented for payment against the amount, this fee applies. Continued use of checks may result in the account being closed or converted to another type.

Withdrawals may be made by ATM using your City National ATM or Visa®_{Check Card. Payments may be made at participating merchant}

locations using your City National ATM or Visa Check Card or through City National Online Banking with Bill Pay.

CNB will waive our fee on withdrawals made at non-CNB ATMs. CNB will pay all reasonable surcharges assessed by non-CNB ATM operators up to a maximum of $20 per statement cycle. Amounts in excess of these limits will be charged to the account. Please note that the International Fee is not a surcharge and is not included in the waiver of surcharges.

Platinum Banking Account

Platinum Banking is an interest-bearing account package with tiered benefits. To receive the benefits of a particular tier, the balance requirements for that tier must be met.

Minimum average $3,500 No monthly qualification balance5 _{maintenance fee}

If minimum average qualification $26 monthly

balance not met maintenance fee

Additional Benefits of Platinum Banking

In all tiers of Platinum Banking, CNB will waive our fee on withdrawals made at non-CNB ATMs. CNB will pay all reasonable surcharges assessed by non-CNB ATM operators. Please note that the International Transaction Fee is not a surcharge and is not included in the waiver of surcharges.

Balance Level

Tier One <$3,500 average qualification balance

 ATM benefits described above  Flat rate of interest determined by CNB

Tier Two $3,500 average qualification balance

 Maintenance Fee waived  ATM benefits described above  Flat rate of interest determined by CNB

Tier Three $7,500 average qualification balance

 Tiered Rate of Interest  Cashier's Checks with no fee  Maintenance Fee waived  ATM benefits described above

Tier Four $10,000 average qualification balance

 All the benefits of Tier Three plus:

 $25 dollar credit toward the annual rental of a safe deposit box

Tier Five $50,000 average balance

 All the benefits of Tier Three Plus:

 $50 dollar credit toward the annual rental of a safe deposit box  Discount on new Total Line of Credit Account

A discount of one-eighth of one percentage point (.125%) off the interest rate margin for the variable rate balance. Available for new Total Line of Credit accounts only. Subject to CNB credit approval. This rate discount cannot be combined with any other rate concession.

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Closed or Converted Platinum Banking Accounts

If your Platinum Banking Account is closed or converted to another account type, the benefits stated above may be discontinued at CNB's sole discretion and standard fees and charges will apply. Other

Platinum Banking may not be tied to, or the balances combined with, any other CNB account or product requiring or permitting a combined balance.

Personal Money Market Account

(Also applies to Employee Benefits Money Market Account) Balance Charges and Fees Required opening deposit $2,500

Minimum daily balance $2,500 No monthly maintenance fee If minimum daily balance not $15 monthly met during statement period maintenance fee Federal transaction limitations (Regulation D) apply6

The Ladder Personal Money Market Account

Minimum daily balance $10,000 No monthly maintenance fee If minimum daily balance not $20 monthly met during statement period maintenance fee Federal transaction limitations (Regulation D) apply6

Personal Savings Account

(Also applies to Employee Benefits Savings Account)

Average daily balance1 _$500 _{No monthly}

maintenance fee If average daily balance not $5 monthly met during statement period maintenance fee Federal transaction limitations (Regulation D) apply6

Coogan Savings Account(California Only)

(Court ordered and non-court ordered Coogan Savings Accounts) Balance Charges and Fees Required opening deposit $100

Average daily balance1 _$500 _{No monthly}

maintenance fee If average daily balance not $5 monthly met during statement period maintenance fee Maintenance fee waived on Coogan Savings Accounts until account beneficiary reaches age 18.

Federal transaction limitations (Regulation D) apply6

City National Green Savings Account

City National Green Savings is an interest-bearing account available exclusively online. A personal City National checking account is required to qualify for this account. To open this account, please visit cnb.com.

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Charges and Fees If average daily balance $4 monthly not met during statement period maintenance fee and no automatic savings plan of

$50 or more per month

Paper statement fee4 _{$5 per month}

(no charge for electronic statements)

Federal transaction limitations (Regulation D) apply6

This account does not allow for payments or withdrawals by check. Withdrawals may be made at an ATM using your City National ATM or Visa®_{Check Card.}

CNB will waive our fee on withdrawals made at non-CNB ATMs. CNB will pay all reasonable surcharges assessed by non-CNB ATM operators up to a maximum of $20 per statement cycle. Amounts in excess of these limits will be charged to the account. Please note that the International Transaction Fee is not a surcharge and is not included in the waiver of surcharges.

TERM AFFECTING ALL PERSONAL CHECKING, PERSONAL MONEY MARKET AND PERSONAL SAVINGS ACCOUNTS An early closing fee of $20 will be assessed to accounts closed within 90 days from opening. This charge is waived for transfers to other CNB locations, provided the account is maintained with us at least 90 days total.

Any Federal Reserve Bank large item charge for processing a check of $1 million or more and any Internal Revenue Service charge for failing to provide an account tax identification number may be passed through as a charge to the account or charged to you directly or to any other account of yours with us.

Government Assessments: CNB reserves the right to assess a fee to its depositors to pass through some or all of the fees provided by law assessed to CNB by government agencies and government-sponsored entities. The fee may vary and will appear on a statement as "Assessment Fee."

TERMS AFFECTING ALL PERSONAL INTEREST-BEARING CHECKING, SAVINGS AND MONEY MARKET ACCOUNTS

Interest Paid on Funds

 The interest rate and associated Annual Percentage Yield (APY) are established by CNB and may vary as often as daily. APY assumes no withdrawal of credited interest and no change in interest rate for a full year.

 For all interest-bearing checking and money market accounts, funds from items deposited other than cash or check(s) drawn on CNB begin to accrue interest on the Business Day CNB receives credit for the items. Cash and funds from items drawn on CNB begin to accrue interest on the Business Day of deposit. Interest accrues daily and is compounded and credited on the last day of the statement period.

 For all savings accounts, funds from items deposited begin to accrue interest on the Business Day of deposit when such deposits are made prior to our established cutoff time or the next Business Day if not deposited on a Business Day or if deposited after our established cutoff time. Interest accrues and compounds daily and is credited on the last day of the statement period.

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 For Platinum Banking, we use the average daily balance method to calculate interest, on a 365-day per year basis. This method applies a periodic rate to the average daily balance in the account for the statement period. The average daily balance is calculated by adding the interest-bearing (collected) balance in the account for each calendar day of the period and dividing that figure by the number of calendar days in the period.  With the exception of Platinum Banking, CNB calculates

interest on a 365-day year basis using the daily balance method, by which the daily periodic rate is applied each day to the interest-bearing balance in the account after all transactions for the day have been posted.

 As required by law, CNB reserves the right to require a seven (7)-day written notice prior to the withdrawal or transfer of funds from these accounts. It is unlikely that such a requirement will be imposed.

All interest-bearing accounts are variable rate accounts unless otherwise specified in writing. At CNB's discretion, we may change the APY and interest rate on your account at any time. The tier structure for all interest-bearing accounts, except Green Savings, is as follows: Less than $500 $50,000 to < $100,000 $500 to < $1,000 $100,000 to < $250,000 $1,000 to < $2,000 $250,000 to < $500,000 $2,000 to < $2,500 $500,000 to < $1,000,000 $2,500 to < $5,000 $1,000,000 to < $5,000,000 $5,000 to < $10,000 $5,000,000 to < $10,000,000 $10,000 to < $25,000 $10,000,000 to <$50,000,000 $25,000 to < $50,000 $50,000,000 or more Rates and yields for each tier level apply to the entire balance for savings accounts and to the interest earning balances on interest-bearing checking and money market accounts. Two (2) or more consecutive tiers may be offered at the same rate. In this case, the Interest Rates Bulletin may show those multiple tiers as a single tier. Tier rates may vary and may be higher or lower than a preceding tier. We may change tiers at any time without notice. Rates and yields are available in the current applicable CNB Interest Rates Bulletin. There are two tiers for the Green Savings account and rates and yields for each tier level apply only to the balance in that tier. Rates, yields, and the tier structure are available online under Green Savings at cnb.com. If the balance in the account exceeds the maximum balance for the first tier, the interest on the funds in the account will be calculated at two (2) separate rates. The first rate listed will apply to all funds in the first balance tier. Funds in the account exceeding the first tier will earn the rate disclosed for the second balance tier. We may change the tiers at any time without notice.

CERTIFICATES OF DEPOSIT

Required Opening Deposit, Interest Rates and Yields

Refer to the Interest Rates Bulletin for the Certificate of Deposit account about which you have inquired or your deposit receipt. APY assumes interest remains on deposit for the term of the certificate.

Interest Payment

CNB calculates interest on a 365-day year basis using the daily balance method by which the daily periodic rate is applied each day to the principal in the account. Interest begins to accrue on funds deposited on the Business Day of deposit, when made prior to our established cutoff time.

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semiannually, or annually. For accounts with a term of less than one (1) year, you may also choose to have interest posted at maturity, in which case interest will not be compounded.

The interest rate quoted on your deposit receipt will remain in effect until the maturity of the account, unless otherwise specified in writing.

Interest may be withdrawn without penalty at any time prior to maturity after it is credited to the account. Any withdrawal will reduce earnings. At maturity, interest becomes principal.

Renewals

A Single Maturity account does not automatically renew. Interest is

not earned after maturity.

An Automatic Renewal account renews on its maturity date for the same period as originally selected unless CNB notifies you of a different term. If the certificate has a term of greater than one month, CNB will notify you in advance of the renewal and will tell you when the rate will be known. The interest rate at renewal will be determined by CNB on or before the renewal date.

For certificates with a term of 32 days or more, you will have a 10-day grace period after the maturity date to advise us if you do not want the account to automatically renew or to withdraw funds without penalty. For certificates with a term of less than 32 days, the grace period will be one (1) bank Business Day, not to exceed four (4) calendar days. No interest is paid on funds withdrawn during the grace period. A withdrawal may affect your interest rate or maturity date. If the account is not automatically renewed, the funds on deposit will not earn interest after maturity.

Transaction Limitations

No deposits to or withdrawals of principal may be made prior to maturity unless otherwise specified in writing. Interest credited to the account before maturity may be withdrawn without penalty. Interest becomes principal at maturity.

Penalty for Early Withdrawal

If a withdrawal of principal is permitted, the following penalties may apply:

 For certificates issued for 7 to 31 days, the penalty is the greater of: (a) 7 days' interest, (b) all interest earned since the most recent issue or renewal date, or (c) all interest that could have been earned during one-half of the maturity period.

 For certificates issued for 32 to 179 days, the penalty is 30 days' interest.

 For certificates issued for 180 days to one (1) year, the penalty is 90 days' interest.

 For certificates issued for over one (1) year, the penalty is 180 days' interest.

For all certificates, each penalty is calculated on the amount withdrawn.

A penalty may be waived for certain reasons permitted by law, such as the death or legal incompetence of any owner.

Retirement Accounts

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7 SERVICE FEES (PERSONAL)

Fees applicable to all existing non-analyzed personal products and services. Fees assessed will be printed on your City National statement.

Charges and Fees Account Research/ $35 per hour Reconcilement Fee 1 hour minimum Automated Clearing House Services

(ACH) - Positive Pay

Block Debit Authorization - $50 per

Manual account per month

Filter Debit Authorization - $50 per

Manual account per month

ATM/Check Card

Transaction conducted at a No charge CNB ATM

Non-proprietary ATM withdrawal7 _{$2.50 per}

withdrawal Card or PIN replacement

mail delivery No charge

express delivery $55

International Transaction Fee 3.0% of transaction amount

Bond Collection Fee $30

Branch Deposit Surcharge

Coin bag - loose $5 per bag Coin bag - rolled $7.50 per bag

Cashier's Checks $10

Checks purchased by nonclients $15 (only with an item drawn on CNB)

Coin Deposited Exceeding $100 $0.005 per $1 Collections

Domestic incoming/outgoing $25 International incoming/outgoing $100

Counter Check $1 per check

Coupon Collection Fee $25 per envelope Deposit Account Control Agreement

Setup fee $500 minimum

per setup

Legal review $300 per hour

1 hour minimum

Monthly maintenance $100 per account Deposited Checks Returned Item

Advice

Special handling instructions $5 per account per

month

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Charges and Fees

Deposited Checks Returned $10 per check charged

Unpaid back and $2.50 per check

recleared automatically, and $10 if recleared check is again returned unpaid Escheat/Abandoned Account $2

Notice (as permitted by law)

Foreign Bank Draft $30

Foreign Check Deposited -

Sent for collection $100 Expedited Processing

Check Amount

[U.S. Dollar (USD) Equivalent]

$0 - $1,000 $25

$1,001 - $25,000 $45 $25,001 - $100,000 $75 > $100,000 $100

Available for limited currencies only. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Additional fees may apply. See your International Banking Services Fee Schedule or contact your CNB Relationship Manager for details.

Foreign Exchange (FX)

Foreign Currency Denominated $50 per month Deposit Account, non-interest maintenance fee bearing

If a Foreign Currency Denominated Deposit Account is maintained, the fee listed above will be charged. This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Additional fees may apply. See your International Banking Services Fee Schedule or contact your CNB Relationship Manager for details.

Legal Process Fee

(Attachments, levies, garnishments, $100 subpoenas, etc.)

Legal Review of Documents $300 per hour or at cost, if

higher, 1 hour minimum

Overdraft Fees and Insufficient Funds (NSF) Fees8

First occurrence9 _{$34 per debit}

Two or more occurrences9 _{$37 per debit}

Maximum daily NSF/OD fees $185 per day

If the total overdraft on any given occurrence is less than $5, we will not assess the applicable NSF/OD fee.

Continuous Overdraft Fee $5 per Business Day Assessed each day after

the 4th_{calendar day that}

an overdraft is not repaid10

Accounts Overdrawn At the discretion of CNB,

60 days or more the higher of $5 per

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Charges and Fees Personal Savings Overdraft Service

Transfer fee $10 per transfer Photocopy Fee for Canceled Checks $5 per copy (Clients may receive 2 check

photocopies that include front and back of check at no charge, per monthly statement cycle)

Research Fee (includes check $35 per hour, reclamation, crime reports, legal, 1 hour minimum records and other requests) $ 1 per copy Retirement Account Termination $50 or Transfer Fee

Safe Deposit Box

Drilling fee Cost + $30

Duplicate key $15

Late or no show for locksmith Cost + $30 appointment

Late payment > 15 days $10 Manual payment processing $12.50

Signature Guarantee - Standard $10 per signature Signature Guarantee - Medallion $15 per signature Special Handling

Posted or Non-Posted Item Review Instructions

First 30 days No charge

After 30 days $2 per item reviewed After 60 days, monthly review fee $75 per month Special Signing Instructions11 _{$7 per month per account}

(Accounts with multiple signature requirements)

Statements

Monthly statement No charge Duplicate (past cycles) $6 per statement Duplicate (recurring) $4 per statement Instant statement $4 per statement Interim statement cutoff $5 per statement Multiple statements per month $5 per month Undeliverable statement $2.50 per month Statement Format Options

Standard Check Image No charge (18 images per page, front image only)

Enhanced Check Image Statements (12 images per page, front and back images)12

50 check images or fewer $3 per month

51-249 check images $5 per month 250 or more check images $10 per month Large Check Image Statements

(12 images per page, front image only)12

50 check images or fewer $2 per month

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Charges and Fees

Stop Payments

6-month term $30

Renewal, 6-month term $30 Post-dating hold fee $30

2-year term $40

Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified

Setup $50

Annual fee $20

Foreign bank draft, 6-month term $30 Accepted stop payment request $20 CNB Cashier's check

Verification of Deposit $20 (Including written balance

confirmations and credit ratings) Wire Transfers Domestic incoming $13 Domestic outgoing Drawdown/reverse $15 Non-repetitive $35 Repetitive $25 International incoming $13 International outgoing

Internet Initiated (Foreign

Currency or USD) $20 Non Internet Initiated

Non-repetitive - Foreign Currency $42 Non-repetitive - USD $45 Repetitive - Foreign Currency $32 Repetitive - USD $35 Wire Principal Protection Service $25 Wire investigation13 _$30

Wire notification

Fax notification $6 Telephone notification $10 Other fees may apply depending on the services used.

At CNB, every day is a "Business Day" except Saturdays, Sundays, and bank legal holidays even if we are open. We may establish cutoff times during each Business Day after which transactions presented are considered presented the next Business Day. As used in this Schedule, the term "CNB" includes "we," "us," and "our," and "you" and "your" means you, our client. Unless otherwise noted, charges are on a per-item basis. Other charges for services pertaining to your individual account may be assessed. Check with your CNB Relationship Manager for more information.

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payment. Checks will then post in serial number order, which is usually the order in which you have written them. Lastly, other debits, such as ATM or debit card transactions, which are generally your most recent transactions, will be posted.

Required Initial Deposits: The required initial deposits stated may vary when accounts are established online and may also be waived or varied at the discretion of CNB.

1 _{Average daily balance determined by adding each day's closing}

ledger balance during the statement period and dividing by the number of days in that period.

2 _{Debits include withdrawals, checks paid, automatic transfers, Check}

Card transactions, point-of-sale transactions, wire transfers, or payments out of this account.

3 _{Electronic debits include automatic transfers or payments, Check}

Card transactions, POS transactions and wire transfers out of this account. Fees and charges assessed by CNB are not counted toward this limit.

4 _{Paper statement fee will be assessed if a periodic statement is}

produced and mailed by City National Bank.

5 _{The average qualification balance for Platinum Banking is calculated}

3 Business Days prior to end of the statement cycle date ("qualification date") by adding each day's closing ledger balance up to and including the qualification date and dividing by the number of days from the beginning of the statement period up to and including the qualification date. This calculated average is used to determine the benefit tier for that period.

6 _{Up to six debit transactions per monthly statement period are}

permitted on this account. Applicable debit transactions include pre-authorized or telephonic transfers, checks (including electronified checks), drafts, debit card, point-of-sale (POS) transactions using your ATM card, or similar order to pay a third party. A $15 charge for each transfer in excess of the maximum will be assessed. Continued violation may result in account conversion or closure. Savings accounts do not allow withdrawal by check. Withdrawals from Coogan Savings accounts are limited by law.

7 _{Waived for Platinum Banking, Green Checking, and Green Savings.} 8 _{Debits for which overdraft/insufficient funds fees can be assessed}

include any transaction presented for payment against an account (such as checks you write, ACH transactions you authorize, ATM withdrawals, returned deposited items, Check Card, and point-of sale transactions) and the fee applies to all debits presented whether they are paid or returned. Overdraft fees are not assessed on our fees and charges. Overdrafts on consumer accounts created by debit card or ATM transactions are not allowed unless with consumer agreement and allowed by law and no overdraft/insufficient funds fee is assessed when such a transaction is not allowed.

9 _{An occurrence is any Business Day in the current month plus the}

last 12 months on which one or more debit items is presented for payment against insufficient funds, whether or not a fee is assessed.

10 _{The continuous overdraft fee will apply regardless of the type of}

transaction that caused the initial overdraft. It is not charged for the day of repayment.

11_{All checking, savings, and money market accounts with multiple}

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Transfer Services, including checks that are subject to electronic check conversion.

12_{Not waived when minimum or average balance requirements are}

met. Not applicable to money market accounts.

13_{Includes amendments, recalls and tracers. Additional charges may}

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Effective October 1, 2014

CNB Member FDIC (504)