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Bank Rates and Fees
The Bancorp Bank USA
Rates effective 1/10/2005. Rates subject to change.
Balance Interest Rate Annual Percentage Yield
$0-$999 2.00% 2.02%
$1,000-$2,999 2.30% 2.33%
$3,000-$4,999 3.00% 3.05%
$5,000-$9,999 3.50% 3.56%
$10,000-$14,999 4.00% 4.08%
$15,000 and over 5.00% 5.13%

Fees
Applicable to Checking, Savings, and Money Market accounts
(fees are in U.S. dollars)
Copy of Statement $3.00 per request
Check Copies $1.00 per copy
Insufficient Funds (whether item paid or returned) $30.00 per item
Uncollected Item (charged at bank's discretion) $30.00 per item
Deposited Item Return $7.00 per item
Stop Payment $15.00 per check request
Checks
   Reorder
   First Order of Personal Checks
  
Cost depends on style and quantity
Free within the U.S.
Treasurer's Check $8.00
IRS Levy, Legal Requests, and/or Subpoenas $100.00
Writ $175.00
Wire Transfers-Domestic
   Incoming
   Outgoing		  
Free
$12.00
Wire Transfers-International
   Incoming
   Outgoing		  
Free
$45.00
Credit Card Fund Transfer
   Incoming		  
2.50% of transaction amount
Electronic Bank Transfers or
Automated Clearing House
   Incoming
   Outgoing		  
 
Free
$1.50 per automated transfer or E-Money mover transfer
$5.00 per non-automated transfer or paper transfer
Research $25.00 per hour, $10.00 minimum
Dormant Account Fee: $15.00
Assessed after 24 months of inactivity for checking or saving account
HSA Debit Card® + ATM Card First Card and Authorized Signer Card Free
$10.00 each replacement card
Customer Deposit UPS Fee for use of vendor without use of proper documentation and/or codes $10.00
Faxing of customer information or response to customer initiated request $2.00 per page
Expedited Document or Card Delivery Charge $30.00 per envelope

Limitations
No minimum balance is required to open this account.

Rate Information
You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed interest rate. Our current interest rate and Annual Percentage Yield for this account are included in the Interest Rate Schedule. At our discretion and at any time, we may change the interest rate on your account. Interest begins to accrue no later than the business day the deposit is applied to your account. Interest will be compounded daily and will be credited to the account monthly.

Balance Information
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees
First 3 months free. No monthly fee for balances over $2,500 or with any direct deposit. ($2.50 for balances less than $2,500). The HSA Visa® Check Card is free for the primary account holder and the additional authorized signer.

Account Closing
If you wish to close your Deposit account with the Bank you agree to notify us of this intention in writing. After a Deposit Account is closed, we have no obligation to accept deposits or pay outstanding items, but may do so at our discretion. You agree to hold us harmless for refusing to honor any check, paper draft, or other item on a closed account. A bank check will be sent to the address on file within 7 business days of your final transaction. All related closing fees will be deducted from the final balance.

The Bancorp Bank
405 Silverside Road, Suite 105
Wilmington, DE 19809
Attn: Customer Service
Fax: 302.385.5099

If account is closed before interest is credited, you will receive the accrued interest.
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