Dear Customer,

We’re writing to let you know about a few important changes to Money Market accounts effective May 18, 2026. We want to make sure you have all the details, so we’ve outlined them clearly below and in the Truth in Savings Act Disclosure.

Account Name: Money Market Max

Below Balance Maintenance Fee /
How to Avoid the Fee

$20 / Maintain $25,000 combined monthly average balance¹

Minimum Daily Balance to Earn Interest

$10,000

Interest Tiers

Excess Item Fee

$10 per transaction in excess of 6 per statement cycle³

What is staying the same:

• Your Account Number
• BanescOnline and BanescoMobile User ID and Password
• Checks
• Scheduled transfers, recurring bill payments, and statement delivery preference

View, download, and print important account documents:

Schedule of Fees and Service Charges Personal and
Commercial Accounts

Truth in Savings Act Disclosure

We understand you might have questions about these updates. Our Client Care Specialists are happy to help. Contact us Monday through Friday from 8:00 am to 6:00 pm ET.

• Give us a call (toll-free): 1-888-228-1597
• Send us an email: customerservice@banescousa.com

Thank you for being a valued Banesco USA customer. We appreciate your business and the trust you have placed in us.

Sincerely,

The Banesco USA Team

¹ If you maintain the required balance we will either waive or refund the below balance maintenance fee. The combined monthly average balance is based on collected balances for qualifying relationship deposit accounts per statement cycle. Qualifying relationship deposit accounts include retail and business checking, Money Market, savings, and time deposit accounts with primary, joint, authorized signer, trustee, beneficiary, director, partner, minor, and shareholder relationships. Collected balance means we only include those funds for which we have actually received payment. The combined monthly average balance is calculated by adding the closing balance in the account(s) at the end of each day and dividing the total by the number of days in the statement cycle (interest paid by the Bank is not included).

² Annual Percentage Yield.

³ You may make 6 withdrawal(s) from your account every statement cycle. This limitation applies to online or mobile banking transfers or payments, automatic or pre-authorized transfers, telephone transfers, drafts, or debit card transactions. Any withdrawal or transfer exceeding this limitation will incur a $10.00 fee per occurrence.

P7

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