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 or entity that opens an account.

What this means for you: If you open a personal account, we will ask for your name, address, taxpayer identification number, date of birth, and other information that will allow us to identify you. Additionally, we will take certain steps to verify your identity, such as asking for your driver's license or other identifying documents or checking other sources. Similar identification requirements apply to non-personal accounts such as corporations and partnerships. Be assured that we recognize the importance of protecting your privacy and safeguarding the confidentiality of the information you provide to us.

1 To qualify for an Royal Heritage Commercial Bank Premier relationship, you need to open an Royal Heritage Commercial Bank Premier checking account and maintain balances of $100,000 in combined Global Dollar personal deposit accounts and investment* balances. Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

2 You may be charged additional fees by the ATM operator or network used including a fee by another Royal Heritage Commercial Bank entity operating ATMs outside the Global Foreign currency conversion rates may still apply.

3 Global View and Global Transfers are only available for Royal Heritage Commercial Bank Premier and Royal Heritage Commercial Bank Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from Royal Heritage Commercial Bank accounts from outside the Global may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to Global Personal Internet Banking through Global View from outside the Global may be limited.

4  Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

5 To qualify for Royal Heritage Commercial Bank Premier Savings account, you need to maintain an Royal Heritage Commercial Bank Premier checking account.

6 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment‡ balances, reserves, equity and automatic payment from an Royal Heritage Commercial Bank checking account.

United States persons are subject to Global taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Global and non-Global accounts. Global persons should consult a tax adviser for more information.

Royal Heritage Commercial Bank Premier World Debit Mastercard® cards are issued by Royal Heritage Commercial Bank , N.A.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for properties located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

Deposit products are offered in Global by Royal Heritage Commercial Bank , N.A. Member FDIC.

*Investments and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC.

HSI is an affiliate of Royal Heritage Commercial Bank , N.A.