Non-Interest Bearing Checking

Regular Business Checking
This account will accommodate the various needs of businesses with a low volume of account activity.

Feature and benefits
$100.00 minimum opening deposit No monthly service fee and no per check fee will be imposed if a minimum daily balance of $2,500 or an average daily balance of $10,000.00 is maintained. ¹ Unlimited check writing, deposits, and withdrawals Monthly statement with cancelled check images Lower fees for "other services" such as NSF and Stop Payment than other Nara Bank business checking accounts	Free Access to Internet Banking Customer Call Center ATM / Visa Debit Card ² Automated Telephone Banking e-Notice Service (Fax banking & various notifications)

Econo Business Checking
Econo Business Checking is ideal for businesses with a low to moderate volume of account activity. There is no minimum balance requirement.

Feature and benefits
$100.00 minimum opening deposit No fee for first 50 checks each month and no minimum balance requirement Unlimited check writings, deposits, and withdrawals Monthly statement with cancelled check images Free Access to Internet Banking	Customer Call Center ATM / VISA Debit Card ² Automated Telephone Banking e-Notice Service (Fax banking & various notifications)

Budget Business Checking
This is a checking account ideal for businesses that maintain a low monthly account balance and have a low volume of account activity.

Feature and benefits
$100.00 minimum opening deposit No monthly service fee and no per check fee will be imposed if a minimum daily balance of $1,000.00 is maintained.¹ Unlimited check writing, deposits, and withdrawals Monthly statement with cancelled check images Free Access to Internet Banking	Customer Call Center ATM / VISA Debit Card ² Automated Telephone Banking e-Notice Service (Fax banking & various notifications)

Check Cashing Account
This is a checking account for businesses that provide check cashing services. A simple solution for certain small businesses such as a liquor store or a grocery store.

Feature and benefits
Minimum opening deposit $100.00 Separate collateral account is required Convenient for check cashing services Analysis Checking

Other terms and fees may apply and are subject to change without prior notice except as required by law. Refer to product disclosure for complete list of fees or contact a Customer Account Representative for further assistance.

¹Average Daily Balance is calculated by adding the principle balance in the account for each day of the statement cycle and dividing the total amount by the number of days in the statement cycle.

²Access through the Nara Bank network is free; however, a fee may be charged for access through other ATM networks and may vary depending on the network provider.

³Transfer of funds from this account to another or to a third party by preauthorized, automatic, or telephone transfers are limited to six (6) per month. Each debit in excess of limitation will be imposed a $10.00 fee. Nara Bank reserves the right to convert your account to a non-interest bearing account or to close the account if limitations are violated frequently. Please ask for details.