COMMERCIAL BANKING > TREASURY MANAGEMENT SERVICES

COMMERCIAL CHECKING & MONEY MARKET ACCOUNTS

COMMERCIAL ANALYZED CHECKING $100 minimum deposit to open No minimum balance to maintain Monthly and per item fees apply Offers an earnings credit that helps to offset your service fees Daily negative collected balance fee = Oklahoma Fidelity Bank prime + 3% BUSINESS SELECT CHECKING $100 minimum deposit to open $8 monthly fee if balance falls below $10,000 300 free transactions per calendar month $.25 per transaction over 300 Free check images with monthly statement Free Business Check card FREE SMALL BUSINESS CHECKING $100 minimum deposit to open No minimum balance No monthly maintenance fee 150 free transactions per calendar month Free Check Images with monthly statement Free Business Check Card Free Oklahoma Fidelity Bank Online for Small Business Free access to SmartVoice 24-hour information line Free Online Bill Payment (first 20 payments free)

RIGHT NOW ACCOUNT $100 minimum deposit to open No monthly fee for accounts that maintain a minimum daily balance of $1,000 First 120 items free Earn interest INTEREST-BEARING ACCOUNTS Fidelity offers a full range of deposit products with competitive interest rates. Money Market Accounts Savings Accounts CDs

OTHER TREASURY MANAGEMENT PRODUCTS & SERVICES

AUTOMATED CLEARING HOUSE ORIGINATION (ACH)
With ACH, collect customer payments from multiple locations. It also provides efficiencies in vendor payments, cash concentration, bill collection, tax payments, inter-bank transfers, commissions payable, expense reimbursements and payroll direct deposit.

ACH BLOCK AND FILTER
Automatically return all ACH debit and or credit transactions that attempt to post to your account. Or, define acceptable ACH debits and credits to clear your accounts.

CDARS®-CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE®
Enjoy full FDIC insurance on deposits of up to $50 million, allowing your banking affairs to be consolidated, resulting in more efficient investment management of funds.

ELECTRONIC DATA INTERCHANGE (EDI)
Eliminate payment guesswork with EDI services. EDI provides a readable message sent via email that corresponds to an ACH payment. The message may be an invoice number, a purchase order, or other requested information that can identify the payment and eliminate confusion.

E-STATEMENTS
Easily monitor, verify and reconcile activity on bank accounts and view your statements online via email.

HEALTH SAVINGS ACCOUNT (HSA)
HSAs are designed to help individuals and families defray the out-of-pocket expense when covered by a High Deductible Health Plan (HDHP). As HSA account holders, your employees own and control the funds in the HSA.

LOAN SWEEP AND INVESTMENT SWEEP
A cost-effective way to maintain a target balance in your checking account while minimizing borrowing expenses or earning more interest. As cash positions change from day to day, Loan Sweep and Investment Sweep responds automatically to cash flow needs. It routinely advances on your line of credit when your checking account drops below a predetermined balance. Alternatively, it uses excess collected deposits in your checking account to pay down your line of credit or move funds to interest-earning accounts.

POSITIVE PAY AND ACCOUNT RECONCILIATION
Fight fraud with early detection and review of potentially fraudulent checks before making final payment decisions. Tellers at the branch level can also verify checks prior to payment.

REMOTE DEPOSIT
Remote Deposit streamlines the check depositing process by securely, quickly and conveniently scanning checks from any and all of your locations.

WEB IMAGE STATEMENT
Receive your bank statements, images of checks, deposit tickets and deposited items electronically with Web Image Statement.

WIRE TRANSFERS
Initiate, approve and track domestic or international wire transfers. And with Call Box wire notification service, receive automated email notification for all incoming wires.

ZERO BALANCE ACCOUNT (ZBA)
Save time by automatically consolidating balances from multiple checking accounts into a single account. Once funds are centralized in an operating account, you are able to identify excess cash, eliminate fund transfers and more.