Important Information About Procedures For Opening A New Account:

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Terms and Conditions of your Account:

AGREEMENT - This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully.  If you sign the signature card or open or continue to have your account with us, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws and the laws of the state where your account is opened (except to the extent that this agreement can and does vary such rules or laws). The body of state a federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:

(1) summarize some laws that apply to common transactions;
(2) establish rules to cover transactions or events which the law does not regulate;
(3) establish rules for certain transactions or events which the law regulates but permits variation by agreement; and
(4) give you disclosures of some of our policies to which you may be entitled or in which you may interested.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document. As used in this document the words "we", "our", and "us" mean the financial institution and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.

LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us"). Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next following business day that we are open.

WITHDRAWALS - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs in the space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person signing the signature card to indorse any item payable to you or your order for deposit to this account or any other transaction with us. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.

Individual Account - is an account in the name of one person.

Joint Account - With Survivorship (And Not As Tenants in Common) - is owned by two or more Persons. Deposits and any additions to the account are the property of the owners as joint tenants with right of survivorship. This means that we may release the entire account to any owner during the lifetime of all owners. We may honor withdrawal requests (including checks) from any owner during the lifetime of all owners. We may be required to release money in the account to satisfy a judgment against or other valid debt incurred by any owner. We may honor withdrawal requests (including checks) from any surviving owner after the death of any owner, and may treat the account as the sole property of the surviving owner(s). Unless an owner directs us by written notice not to honor the withdrawal request (including checks) of an owner we will not be liable for doing so. After we receive such a notice, we may require written authorization of any or all joint owners for any further payments or deliveries.

Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal.

Convenience Account Agent (Single Party Accounts Only) - A convenience account, as defined by Florida and New York law, means a deposit account other than a certificate of deposit, in the name of one individual, in which one or more individuals have been designated as agent with the right to make deposits to and withdraw funds from or draw checks on such account on behalf of the owner. A single individual is the owner, and the agent is merely designated to conduct transactions on the owner's behalf. A convenience account agent has no ownership rights in the account. Only an owner may designate, substitute, or remove an agent. We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.

Revocable Trust Account - If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time.

BUSINESS ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity.

STOP PAYMENTS - A stop-payment order must be given in the manner required by law, must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. We will honor a stop-payment request by the person who signed the particular item, and, by any other person, even though such other person did not sign the item, if such other person has an equal or greater right to withdraw from this account than the person who signed the item in question. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere.

AMENDMENTS AND TERMINATION - We may change any term of this agreement. Rules governing changes in interest rates are provided separately. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail. Notice from us to any one of you is notice to all of you.

STATEMENTS - You must examine your statement of account with "reasonable care and promptness". If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to bear the entire loss. Your loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. We lose these protections if you establish that we failed to exercise ordinary care in paying an item with an unauthorized signature or alteration.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 14 days from when the statement is first sent or made available to you.

You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.

DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

SETOFF - You each agree that we may (when permitted by law) set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw. If the debt arises from a note. "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note. 

This right of setoff does not apply to this account if: (a) it is an IRA or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor's right of withdrawal only arises in a representative capacity, or (d) social security or supplemental security income payments are deposited directly into this account pursuant to an agreement with us which permits such direct deposit without presentation to you at the time of deposit. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

RESTRICTIVE LEGENDS - We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are "must be presented within 90 days " or "not valid for more than $1,000 00".

PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them according to the dollar amount. We pay the smallest items first. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy minimizes the number of items that may result in an overdraft or NSF fee. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number the beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided Article 4A- 403(a) of the Uniform Commercial Code. If we do not receive such, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the account so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

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Electronic Fund Transfers
Your Rights and Responsibilities:

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking, savings, or money market account(s).

Electronic check conversion - Your check can result in an electronic funds transfer. This can happen in several ways. For example:

• You can purchase goods or pay for services and authorize a merchant or service provider to convert your check into an electronic funds transfer.
• At the time you offer a check to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer.
  - Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign.

Please also see the Limitations on frequency of transfers section regarding limitations that apply to savings accounts and money market accounts.

INB Bank-By-Phone Telephone Transfers -  You may access your account by telephone 24 hours a day at 877-BANK-INB (877-226-5462) using your personal identification number, a touch tone phone and your customer identification code, to:

• transfer funds between checking, savings and money market accounts
• get information about:
  • the account balance of checking, savings and money market accounts
  • the last 45 days of deposits to and withdrawals from checking, savings and money market accounts

Please also see the Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

ATM Transfers - You may access your account(s) by ATM using your INB ATM Card and personal identification number to:

• get cash withdrawals from checking or savings account
  • you may withdraw no more than $500.00 per day in combination with point-of-sale transactions (total daily limit combining all accounts is $500.00)
• transfer funds between checking and savings account
• get the account balance of your checking or savings account

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers

ATM/Point-of Sale Transactions - You may access your account(s) using your INB ATM Card to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.

INB Internet Banking  Computer Transfers -  You may access your account(s) by computer using your personal identification number, and your customer identification code, to:

• transfer funds between checking, savings and money market accounts
• get the account balances for checking, savings and money market accounts
• get the last 30 days of transactions

Please also see Limitations on Frequency of transfers section regarding limitations that apply to computer transfers.

Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, or similar order to third parties.
  
• Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, check, draft, or similar order are limited to six per statement cycle.  There are no limitations to the number of over-the-counter or ATM withdrawals for the account owner.

FEES

• ATM cash withdrawals at non-Intervest National Bank ATM machines - $0.75 each.
• ATM Point-of-Sale transactions - $0.75 each.
• We do not charge for direct deposits to any type of account.  
• Except as indicated elsewhere, we do not charge for these electronic fund transfers

ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator of any network used (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer).

DOCUMENTATION

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines.
  
• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (NY) 212-218-8383 or (FL) 727-791-6154 to find out whether or not the deposit has been made.
  
• Periodic statements. You will get a monthly account statement from us for your checking or money market accounts.  You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month.  In any case, you will get a statement at least quarterly

PREAUTHORIZED PAYMENTS

• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
  --- Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
  
  Please refer to our Fee Schedule for the amount we will charge you for each stop payment order you give.
  
• Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.

1. Where it is necessary for completing transfers, or

2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

3. In order to comply with government agency or court orders; or

4. As explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS
(a) Consumer liability. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission.  (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you has told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

(b) Contact in the event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

ERROR RESOLUTION NOTICE
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared

1. Tell us your name and account number (if any)
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign -initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

INTERVEST NATIONAL BANK
NEW YORK CUSTOMER SERVICE
ONE ROCKEFELLER PLAZA, SUITE 400
NEW YORK, NEW YORK 10020-2002
Phone: 212-218-8383

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FLORIDA CUSTOMER SERVICE
1875 BELCHER ROAD NORTH
CLEARWATER, FLORIDA 33756
Phone: 727-791-6154

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Business Days: Monday through Friday
Excluding Federal Holidays

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Notice of ATM/Night Deposit Precautions:

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful:

1.	Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
2.	Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
3.	Compare your records with the account statements you receive.
4.	Don't lend your ATM card to anyone.
5.	Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6.	If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
7.	Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
8.	Prevent others from seeing you enter your PIN by using your body to shield their view.
9.	Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
10.	When you make a transaction, be alert to your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. Defer your transaction if circumstances cause you to be apprehensive for your safety. You might consider using another ATM or night deposit facility.
11.	If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
12.	Please be sure to close any entry door completely upon entering and exiting the ATM or night depository facility. Do not permit any unknown persons to enter the facility after regular banking hours.
13.	Don't display your cash; place withdrawn cash securely upon your person before exiting the ATM.  Count the cash later when you are in the safety of your own car, home, or other secure surrounding.
14.	At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
15.	We want the ATM and night deposit facility to be sate and convenient for you. The activity of the automated teller machine facility may be recorded by a surveillance camera or cameras. Please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please use the nearest available public telephone to call the police if emergency assistance is needed. Direct complaints concerning ATM facility security to us at the phone number listed in this disclosure or the New York Banking Department Consumer Services Hotline at 1-888-NYS-ATM1 (1-888-697-2861), for ATMs located in New York.

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Your Ability to Withdraw Funds:

This policy statement applies to all deposit accounts.

Our policy is to make funds from your non-cash and check deposits available to you on the first business day after the day we receive your deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Cash and electronic direct deposits will be available on the day we receive the deposit.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 P.M. (cutoff times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If you make a deposit at an ATM before 12:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY

Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available. 

Safeguard exception. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the tenth business day after the day of your deposit.

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Truth-In-Savings Disclosure

INTEREST CHECKING ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. In addition, if an account is closed within 90 days of the opening date an additional fee will apply as noted in the Fee Schedule.

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $12.00 will be imposed each monthly statement cycle if the average daily balance for the cycle falls below $2,500.00. The average daily balance is calculated by adding principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

Fees:
An excess items fee of $.50 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) if the average daily balance falls below $2,500.00 during the monthly statement cycle.

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REGULAR CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees - A monthly maintenance fee of $12.00 will be imposed every statement cycle if the average daily balance for the cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Fees:
An excess item fee of $.30 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 15 during a statement cycle.  An excess items fee of $.50 will be charged for all debit transactions (withdrawal, check paid, automatic transfer or payment out of this account) if the average daily balance falls below $1,500.00 for the statement cycle.

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BASIC CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $25.00 to open this account.

Fees:
A monthly maintenance fee of $3.00 will be charged each statement cycle regardless of balance.

An excess items fee of $.50 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 5 per statement cycle.

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SAVINGS ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time

Determination of rate - At our discretion, we may change the interest rate on your account

Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.  In addition, if an account is closed within 90 days of the opening date, an additional fee will apply as noted in the Fee Schedule.

Minimum balance to open the account - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of monthly maintenance fee - A low balance fee of $4.00 will be imposed each month if the average daily balance for the month falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits -Interest begins to accrue on the banking day you deposit non-cash items (for example, checks).

Transaction limitations:
Transfers from a Savings account to another account or to third parties by pre-authorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, or similar order to third parties.

Fees:
An excess items fee of $1.00 will be charged for each debit transaction in excess of two during a month.

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MONEY MARKET ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. In addition, if an account is closed within 90 days of the opening date, an additional fee will apply as noted in the Fee Schedule.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of monthly maintenance fees - A maintenance fee of $12.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after you deposit non-cash items (for example, checks).

Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, check, draft or similar order are limited to six per statement cycle.

There are no limitations on the number of over-the-counter or ATM withdrawals for the account owner.

Fees:
An excess items fee of $10.00 will be charged for each item exceeding the allowed limit during a monthly statement cycle.

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CERTIFICATE OF DEPOSIT

Rate Information - You will be paid the disclosed rate until first maturity.

Compounding frequency - Interest will be compounded every day.

Crediting frequency - Interest may be paid monthly, quarterly, or at maturity, however, interest must be paid at least annually.  Interest may be paid to the account, paid to another Intervest National Bank checking or savings account or paid electronically to an account at another domestic financial institution. Interest payment(s) by check will only be made on deposits of $20,000.00 or more.

Minimum balance to open the account -You must deposit $2,500.00 ($1,000.00 for an IRA Account) to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 ($1,000.00 for IRAs) in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Transaction limitations:
You may not make any deposits into your account before maturity. Partial withdrawals of principal from your account before maturity are not permitted.  Principal withdrawn before maturity is subject to an early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty.  You can withdraw interest any time during the term of crediting after it is credited to your account.

Early withdrawal penalties: (a penalty will be imposed for withdrawals made before maturity)

• If your account has an original maturity of six months to one year:
  The penalty imposed will be 1/2 of the interest earned or 90 days interest, whichever is greater.
• If your account has an original maturity of more than one year:
  The penalty imposed will equal the amount of interest for 1/2 of the term of the certificate of deposit, earned or unearned.

If there is enough accrued interest to cover the penalty, the penalty will be deducted from it.  If not, the remainder of the penalty will be deducted from the principal.  If the account is a variable rate account, the penalty will be calculated using the interest rate being applied at the time of withdrawal.  If the account is an Individual Retirement Account, the early withdrawal penalty will be in addition to any penalty imposed under the Individual Retirement Account (IRA) Disclosure Statement.  

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period of ten calendar days after maturity) or we receive written notice from you within the grace period. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

Single Maturity Time Account - If you elect not to have your account automatically renewed, we will not pay interest on the balance after maturity.  Funds will be retained in the bank until such time as we have received instructions from you as to the disposition of the account balance.

IRA Distributions - If you are 70 1/2 years old, you are required to take annual distributions from your traditional IRA account.  In order to allow you to satisfy the Internal Revenue Service's annual requirement to take a Required Minimum Distribution from your IRA account (s), Intervest National Bank will allow you to withdraw the following amounts from your IRA account(s) without penalty:

1. The Required Minimum Distribution amount calculated by using the IRS tables and the balance(s) of your IRA account(s) at Intervest National Bank as of December 31st, PLUS
2. Interest earned and credited to your account(s), 
   PLUS
3. $2,000.00

If you wish to withdraw an amount that exceeds the total of the three items listed above, the penalty for early withdrawal will apply.  Since partial withdrawals from certificates of deposit are not permitted except as noted above, the certificate of deposit would have to be cancelled in order to withdraw an amount in excess of the total permitted above and the penalty for early withdrawal will apply to the entire balance of the account.  You may then open a new certificate of deposit with the remaining balance at the current rate if you so choose.

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Senior Privilege Accounts
(Age 55 and Over)

SENIOR PRIVILEGE INTEREST CHECKING ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion,  we may change the interest rate and annual percentage yield on your account.

Compounding and crediting frequency - Interest will be compounded daily. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. In addition, if an account is closed within 90 days of the opening date, an additional fee will apply as noted in the Fee Schedule.

Minimum balance to open the account - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

Fees:
An excess items fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic, transfer, or payment out of this account) in excess of 15 during a statement cycle. This fee will apply if the minimum average daily balance falls below $1,500.00 during the statement cycle.

SENIOR PRIVILEGE CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Fees:
An excess items fee of $.30 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of 10 during a statement cycle. This fee will apply if the average daily balance falls below $500.00 during the statement cycle.

SENIOR PRIVILEGE MONEY MARKET CHECKING ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time

Determination of rate - At our discretion,  we may change the interest rate and annual percentage yield on your account.

Compounding and crediting frequency - Interest will be compounded daily. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.  In addition, if an account is closed within 90 days of the opening date, an additional fee will apply as noted in the Fee Schedule.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

Transaction limitations:
Transfers from a Senior Privilege Money Market Checking account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, check, draft or similar order are limited to six per statement cycle.

There are no limitations to the number of over-the-counter or ATM withdrawals for the account owner.

Fees:
An excess items fee of $5.00 will be charged for each item exceeding the allowed limit during a monthly statement cycle.

Senior Privilege Account Benefits:

No charge for personal checks (restriction to style and quantity). No issuance fee for Cashier's Checks, Money Orders and Traveler's Checks. Free 3" x 5" Safe Deposit Box - 1st year - 1/2 price after 1st year. No Intervest National Bank fee for ATM transactions at non-proprietary machines. No charge for personal photocopies.

COMMERCIAL ACCOUNTS

Important Message For Business Account Customers The Unlawful Internet Gambling Enforcement Act of 2006 and its implementing regulation became effective on 12/1/09. This notice is to inform you that restricted transactions, transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful internet gambling, are prohibited from being processed through your account or relationship with our bank.

BUSINESS CHECKING ACCOUNT

This account is not a consumer account which Truth in Savings applies.

Earnings Credit This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit.

Earnings Credit Calculation The earnings credit will be calculated by applying the periodic earnings credit rate to the average collected balance in the account for the period, rounded down to the nearest $100. No earnings credit will be earned if the average collected balance for the period is less than $100. The periodic earnings credit rate is equal to the 90 Day Treasury Bill Rate divided by 12. The periodic earnings credit rate may change monthly. The average collected balance is calculated by adding the collected balance in the account for 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.

Accrual of earnings credit on noncash deposits Earnings credit begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).

Fees:
A maintenance fee of $10.00 will be charged each monthly statement cycle.
A debit item fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).
A deposit item fee of $.l0 will be charged for each item deposited.
A deposit fee of $.25 will be charged for each deposit

Periodic earnings credit rate information:
The current periodic earnings credit rate for your account is $_____ per $100.00 for the month of _____.

BUSINESS INTEREST CHECKING ACCOUNT

This account is not a consumer account to which Truth in Savings applies.

Rate Information At our discretion, we may change the interest rate and annual percentage yield on your account at any time
Compounding and crediting frequency  Interest will be compounded monthly.  Interest will be credited to your account every month.                                Effect of closing an account  If you close your account before interest is credited, you will not receive the accrued interest. In addition, if an account is closed within 90 days of the opening date, an additional fee will apply as noted in the Fee Schedule.
Minimum balance to open the account you must deposit $100.00 to open this account.
Minimum balance to avoid imposition of a monthly maintenance fee A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the cycle falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest noncash deposits Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Fees: If the average daily balance in your account falls below $2,500.00 during the monthly statement cycle the following fees will apply:
A deposit fee of $.25 will be charged for each deposit made to this account.
A deposit item fee of $.10 will be charged for each item deposited into this account.
A debit item fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).

BUSINESS MONEY MARKET ACCOUNT

This account is not a consumer account to which Truth in Savings applies.

Rate Information At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
Compounding and crediting frequency Interest will be compounded every day. Interest will be credited to your account every month.
Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. In addition, if an account is closed within 90 days of the opening date, an additional fee will apply as noted in the Fee Schedule
Minimum balance to open the account You must deposit $1,000.00 to open this account.
Minimum balance to avoid imposition of monthly maintenance fee A maintenance fee of $12.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on noncash deposits Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer, check, draft or similar order are limited to six per statement cycle.
Fees An excess items fee of $10.00 will be charged for each item exceeding the allowed limit during a monthly statement cycle.

Fee Schedule 

Account Activity Printout	$5.00
Account Closed Within 90 Days of Opening	$25.00
Account Reconciliation (per hour - 1 hour minimum)	$25.00
ACH Debit Returned	$15.00
Additional Statement/Statement Reprint - each	$7.50
ATM Card Replacement	$15.00
ATM Cash Withdrawal at Non-Intervest National Bank         ATM Machine - each	$.75
ATM Point-of-sale transaction - each	$.75
Check printing - (depends on style & quantity ordered)	Varies
Consulate Letter	$20.00
Counter Check	$1.00
Deposited Check Returned	$10.00
Deposited Check Returned - Maker's own item	$25.00
Dormant Monthly Fee      A Checking, Money Market or Savings account is       considered dormant if there have been no deposits or      withdrawals made by the customer for a period of two      (2) years.	$10.00
Fax Charge (local - per page)	$1.00
Fax Charge (long distance - per page)	$2.00
Legal Process Fee	$75.00
Money Order	$5.00
Night Depository Bag	$20.00
Notary Service - Non-Customer	$5.00
Official Check	$10.00
Overdraft / Uncollected Funds Fee - per item       An overdraft or uncollected funds item may be created      by check, in-person withdrawal, ATM withdrawal or      other electronic means.	$30.00
Overdraft Items $2,500 and over (additional handling fee)	$10.00
Overnight Delivery Service - minimum charge	$30.00
Photocopy - each	$2.00
Redesignation Fee (Title change, POD change, etc)	$25.00
Research (per hour - 1 hour minimum)	$25.00
Stop Payment Order	$32.00
Traveler's Checks	$2.00 per $100.00
Wire Transfer - Incoming	$15.00
Wire Transfer - Outgoing	$25.00
Wire Transfer - Foreign Currency	$40.00
SAFE DEPOSIT BOXES (Florida Locations Only) Annual Rental Fees
3 x 5	$15.00
5 x 5	$25.00
3 x 10	$35.00
5 x 10	$50.00
10 x 10	$100.00
Key Deposit	$5.00
Replacement Key	$15.00
Drilling Fee	$125.00
COLLECTION CHARGES
Bond Redemption	$25.00
Coupon Deposit (per envelope)	$5.00
Domestic Collection	$25.00
Protest Fee	$10.00
Returned Collection Item	$10.00
Returned Deposited Coupon Envelope	$25.00
Tracing Fee	$10.00

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