Reality Business Checking	Treasury Management Checking	FirstMerit Complete Option Checking	FirstMerit Complete Interest Option Checking
Number of Free Transactions	1,000	500	-	-
Excessive Item Fee	$1.00	$.25	$.19 fee for each paid debit item, $.115 fee for each item deposited,$.13 for each ACH item received and $.45 for each credit/deposit ticket	$.19 fee for each paid debit item, $.115 fee for each item deposited,$.13 for each ACH item received and $.45 for each credit/deposit ticket
Monthly Fee	Free	$22.75	$20	-
Minimum daily balance to offset fee	-	$10,000 in Checking or $25,000 in business Savings or Money Market	-	$10,000 in Checking
Overdraft Protection Available	With Credit Approval	With Credit Approval	-	With Credit Approval
Earns Interest	-	-	-	Yes
Earnings Credit Allowance	-	-	Yes	-
ATM / Check Card	Unlimited signed VisaŽ Check Card activity	Unlimited signed Visa Check Card activity	Available	Available
Online Banking	Free	Free	Yes1	Yes1
Online Bill Pay	Free	Free	e-Connect service available	$5.95/month
Free Check Images	Available Online	Available Online	Available Online	Available Online

1. Fee can be offset by earnings credit analysis.

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