FREE COURIER SERVICE
Regent Bank offers business and professional customers a free courier service to pick up non-cash deposits and other Bank documents. This special service is designed to save both time and money for Regent Bank customers. The courier service is provided at the Bank’s discretion based upon availability of the courier in a particular area, customer account relationship with the Bank, or mutual agreement of the customer and the Bank. Bank couriers are fully bonded, but serve as agents of the customer, not the Bank.

BUSINESS CHECKING ACCOUNT

• $100 minimum opening deposit
• Depending on the account’s average collected balance, this account may be maintained without incurring monthly service charges. Normal service charges may be offset, or reduced, if the earnings credit is greater than the service charge.
• Earnings credit calculation: average monthly balance — average float = average collected balance — average investable balance x earnings credit rate tied to the 91-day Tbill/12

THE EARNINGS CREDIT WILL BE USED TO OFFSET ACTIVITY SERVICE CHARGES AS FOLLOWS:

• If earnings credit exceeds activity service charges, no service charges are assessed. However, customer will not be paid, allowed to carry forward or otherwise receive credit for any excess earnings credit.
• If activity service charges exceed the earnings credit, only the net difference is assessed as a service charge. Monthly activity charges are as follows:
• A monthly maintenance fee of $14
• A fee of 15¢ for each check paid
• A fee of 35¢ for each deposit
• A fee of 10¢ for each item deposited
• A factor based on FDIC charges times the average monthly collected balance for FDIC assessments.
• Accounts with a negative average monthly collected balance are charged a rate of 2 percentage points over the prime rate as quoted in the Wall Street Journal, times the negative average monthly collected balance in the account.

BUSINESS INTEREST-ON-CHECKING

• This account is designed for sole proprietorships, trade associations, non-profit organizations, and state and local governments which are looking for an account that pays interest.
• This is an interest-bearing account. Interest is compounded daily and credited to your account monthly based on the average collected balance, minus required reserves.***
• $500 minimum opening deposit
• No service charge on accounts with an average collected balance of $2,500 or more.
• For accounts not meeting the balance requirement, the account maintenance fee is $14. per monthly statement cycle, plus 25¢ per check paid, per deposit and per item deposited.
• The number of withdrawals and transfers that may be made from this account each month is unlimited. The Bank, however, reserves the right to require a minimum 7 days prior written notice of such withdrawals or transfers.

BUSINESS MONEY MARKET ACCOUNT

• This account is designed for all business entities including corporations, sole proprietorships, partnerships and non-profit organizations.
• $5,000 minimum opening deposit
• This is an interest-bearing account that earns Business Money Market Account rates as set periodically by Regent Bank when the average collected balance is $5,000 or more. Earns Business Interest-On-Checking rate when balance falls below $5,000.
• Interest is compounded daily and credited to your account monthly based on the average collected balance, minus required reserves.***
• Withdrawals and transfers from the account may be made as follows:
• Unlimited number of withdrawals or transfers by mail, messenger or in person.
• Unlimited number of transfers for the purpose of repaying loans (excluding overdrafts) extended by Regent Bank.
• All other withdrawals and transfers are limited to a maximum of 6 per month. There is a $7 charge for each transaction paid beyond the regulators’ limit of 6.
• No service charge on accounts with an average daily balance of $2,500 or more.
• For accounts not meeting the balance requirement, the account maintenance fee is $14 per monthly statement cycle, plus 25¢ per deposit and per item deposited,

BUSINESS PREMIUM MONEY MARKET ACCOUNT

• This account is designed for all business entities including corporations, sole proprietorships, partnerships and non-profit organizations.
• $20,000 minimum opening deposit
• This is an interest-bearing account that earns Business Premium Money Market Account rate as set periodically by Regent Bank when the average collected balance is $20,000 or more. Earns Business Money Market rate when balance falls below $20,000. Earns Business Interest-On-Checking rate when balance falls below $5,000.
• Interest is compounded daily and credited to your account monthly based on the average collected balance, minus required reserves.***
• Withdrawals and transfers from the account may be made as follows:
• Unlimited number of withdrawals or transfers by mail, messenger or in person.
• Unlimited number of transfers for the purpose of repaying loans (excluding overdrafts) extended by Regent Bank.
• All other withdrawals and transfers are limited to a maximum of 6 per month. There is a $7 charge for each transaction paid beyond the regulators’ limit of 6.
• No service charge on accounts with an average daily balance of $2,500 or more.
• For accounts not meeting the balance requirement, the account maintenance fee is $14 per monthly statement cycle, plus 25¢ per deposit and per item deposited.

BUSINESS SUPER PREMIUM MONEY MARKET ACCT.

• This account is designed for all business entities including corporations, sole proprietorships, partnerships and non-profit organizations.
• $100,000 minimum opening deposit
• This is an interest-bearing account that earns Business Super Premium Money Market Account rate as set periodically by Regent Bank when the average collected balance is $100,000 or more. Earns BusinessPremium Money Market rate when balance falls below $100,000. Earns Business Money Market rate when balance falls below $20,000. Earns Business Interest-On-Checking rate when balance falls below $5,000.
• Interest is compounded daily and credited to your account monthly based on the average collected balance, minus required reserves.***
• Withdrawals and transfers from the account may be made as follows:
• Unlimited number of withdrawals or transfers by mail, messenger or in person.
• Unlimited number of transfers for the purpose of repaying loans (excluding overdrafts) extended by Regent Bank.
• All other withdrawals and transfers are limited to a maximum of 6 per month. There is a $7 charge for each transaction paid beyond the regulators’ limit of 6.
• No service charge on accounts with an average daily balance of $2,500 or more.
• For accounts not meeting the balance requirement, the account maintenance fee is $14 per monthly statement cycle, plus 25¢ per deposit and per item deposited.

BUSINESS GOLD MONEY MARKET ACCOUNT

• This account is designed for all business entities including corporations, sole proprietorships, partnerships and non-profit organizations.
• $250,000 minimum opening deposit
• This is an interest-bearing account that earns Business Gold Money Market Rate as set periodically by Regent Bank when the average collected balance is $250,000 or more. Earns Business Super Premium Money Market Account rate when the average collected balance falls below $250,000. Earns Business Premium Money Market rate when balance falls below $100,000. Earns Business Money Market rate when balance falls below $20,000. Earns Business Interest-On-Checking rate when balance falls below $5,000.
• Interest is compounded daily and credited to your account monthly based on the average collected balance, minus required reserves.***
• Withdrawals and transfers from the account may be made as follows:
• Unlimited number of withdrawals or transfers by mail, messenger or in person.
• Unlimited number of transfers for the purpose of repaying loans (excluding overdrafts) extended by Regent Bank.
• All other withdrawals and transfers are limited to a maximum of 6 per month. There is a $7 charge for each transaction paid beyond the regulators’ limit of 6.
• No service charge on accounts with an average daily balance of $2,500 or more.
• For accounts not meeting the balance requirement, the account maintenance fee is $14 per monthly statement cycle, plus 25c per deposit and per item deposited.

BUSINESS SAVINGS ACCOUNT

• Interest is compounded daily and paid quarterly on this account.***
• Daily balance computation method used to calculate interest.*
• $200 minimum opening deposit
• No service charge with a minimum daily balance of $200 or more during the monthly cycle.
• For accounts not meeting the balance requirement, the low balance charge is $4.00 per month.
• Transfers from a Business Savings Account to another account or to third parties by preauthorization, automatic, telephone transfer, or debit card are limited to six per month.
• The charge for each additional withdrawal after six is $5.00

CERTIFICATES OF DEPOSIT

• $1,000 minimum investment
• Interest rates are tiered, based on the amount and term of the Certificate of Deposit.
• Available terms range from seven days to 18 months.
• The interest rate is fixed for the term of the Certificate of Deposit. Simple interest is compounded at maturity. Customer may choose to have interest paid monthly, quarterly, semi-annually, annually or at maturity.
• Customer may choose to have interest paid by check, credited to a Regent Bank account, or reinvested in the Certificate of Deposit.
• Certificates of Deposit are automatically renewed unless otherwise requested.
• Substantial penalty for early withdrawal.

ELECTRONIC BANKING
By using the Internet, you have the convenience of accessing banking services from anywhere in the world. This provides access to account information, with a bill-pay feature. We also offer PC Banking and Bank-By-Phone services, which give you access to your accounts 24 hours a day, 7 days a week.

• Internet Account Access No Charge
• Includes internal transfers, check images, account history, previous statements
• Online Bill-Paying $4.95 per month up to 20 payments
• Each payment after 20 $0.35
• Bank-By-Phone No Charge

CASH MANAGEMENT
Our Cash Management system allows you the ease of day-to-day electronic cash operations. This system cuts costs and time. Our Payroll Direct Deposit service saves businesses money by eliminating the need to process and reconcile checks, and directly deposits your employees’ payroll funds. When using this system, your Regent Bank account is electronically debited and your employees’ payroll funds are automatically deposited at the bank of their choice.

COMMERCIAL LOANS
Commercial Loans are available to businesses and professionals, and are tailored to meet each customer’s specific needs. These loans may be secured or unsecured depending on the amount, purpose and term of the loan, as well as the individual financial circumstances.

COMMERCIAL MORTGAGES
Regent Bank offers commercial mortgages to purchase or refinance owner-occupied and/or investment properties. We offer flexible amortization terms, fixed and floating interest rates, and quick turnaround for loan approval.

CONSTRUCTION LOANS
Construction loans are available for residential and commercial properties. Rates and terms can be tailored to meet your needs, with a quick response and fast turnaround.

CHECK CARDS

Enjoy the convenience of a VISA Check Card to pay for purchases or make cash withdrawals anyplace worldwide that accepts VISA Credit Cards. With the Regent Bank VISA Check Card funds are automatically withdrawn directly from your account without the hassle of writing a check. VISA Check Cards are subject to credit approval.

There is no charge to apply for a card.

ATM Fees:

• Withdrawals Regent Bank ATMs No Charge
• Other ATMs $.75
• Inquiries Regent Bank ATMs No Charge
• Other ATMs $.25
• Point-of-Sale No Charge

REGENT BANK ATM LOCATIONS:

• 2205 S. University Drive, Davie
• 1100 S.E. Third Avenue, Ft. Lauderdale
• 568 Yamato Road, Boca Raton
• 1572 Palm Beach Lakes Boulevard, West Palm Beach

SAFE DEPOSIT BOXES
Safe deposit boxes are available in various sizes.
Safe Deposit Box fees:
Box Size Yearly Rental

Key deposit: $20.00 (refundable)
Drilling cost: $100.00 plus locksmith’s fee

ADDITIONAL SERVICES
This is a schedule of prices on our most commonly used services and is not intended to be a complete listing. For more information on the additional services above, or on any of our other services, please contact us.

CHECKING ACCOUNT RELATED SERVICES

* Daily Balance – Applies a daily periodic rate to the principal in the account each day.
** Average Daily Balance – Applies a periodic rate to the average daily balance in the account for that period. The average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
*** If account is closed before interest is credited, accrued interest will be paid to the account holder.

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