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BUSINESS REGULAR CHECKING - receives an earnings credit based on the 91 day Treasury Bill rate calculated on the average available balance² during the statement period. This credit is used to offset the monthly service charge of $3.00 plus 10¢ per check or debit and 5¢ per item deposited. Check images are included in your monthly statement.

BUSINESS SUPER N.O.W. CHECKING - is limited to sole proprietorships. When a $5,000.00 average available balance² is maintained, the account earns interest. If the available balance falls below this minimum, the account does not earn interest, and the monthly service charge is $5.00 plus 20¢ per check or debit, and 5¢ per item deposited. Check images are returned in monthly statements.

BUSINESS LOW ACTIVITY CHECKING - is especially designed for the small business with low account activity. There is no service charge if a $300 minimum collected balance is maintained. If the account falls below the minimum balance, the account will be assessed an $8.00 monthly fee. There are 50 free deposit items per month, with a charge of 25¢ per item thereafter. There are also 50 free checks/withdrawals per month, with a charge of 25¢ per item thereafter. Check images are returned in monthly statements.

FREE BUSINESS CHECKING - offers unlimited check writing and unlimited deposits with no minimum balances and no per item charges. Check images are not included in your monthly statement, but they are available online through the free Internet Banking service.

CASH MANAGEMENT SERVICES - Facilities to maximize the return on your excess cash.

ACH ORIGINATION - Convenient electronic method of collecting receivables, making payments and processing payroll.

CREDIT CARD MERCHANT PROCESSING - Competitive rates with an easy to understand fee structure and local service

Please contact a loan officer at any of our locations to apply.

TERM LOANS - Financing for equipment, inventory, or working capital. Termed out over a one to ten year period.

LINES OF CREDIT - Revolving and non-revolving credit lines to fund inventory, receivables or cash flow fluctuations.

COMMERCIAL REAL ESTATE - Long term fixed and variable rate real estate loans available with a variety of rate and term options.

CONSTRUCTION LENDING - Innovative construction lending programs to take your project from start to finish.

SBA LENDING - Small Business Administration loans are available from $7,500 to $1,000,000.

SBA loans can provide financing for projects that might not otherwise qualify for funding. Because we understand small business and their credit needs, we have consistently been among the most active SBA lenders in Montana. As a Preferred Lender we have received authority from the SBA to approve loans in-house without SBA's prior approval.

• SBA 7A PROGRAM - Standard SBA Loans from $100,000 to 1,000,000. As Preferred Lenders we approve these loans in-house.

• SBA LOWDOC PROGRAM - Reduced paperwork and expedited loan approvals for loans up to $150,000.

• SBA 504 PROGRAM - Commercial real estate loan program for larger projects. Projects can be completed with as little as 10% down payment.

PLEASE NOTE: All fees, minimum balances, rates, and other account parameters affecting these accounts will change periodically.

1. Ledger Balance is the dollar amount in the account as it shows on the bank books at the end of the business day, with no deduction for uncollected funds or reserves.

2. Available Balance is the dollar amount in the account available to the customer after allowance for uncollected funds. This may include the customer’s Bounce Protection limit if applicable.

3. All Interest Rates Paid on our accounts change periodically, without notice, and are based on an internal index. Current rates in effect are available by contacting the bank during business hours.