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Earnings Allowance. Each month, the average monthly Investable Balance in a commercial demand deposit account may earn an "Earnings Allowance"which, depending on the arrangement with Bank,may be applied against that month's fees for the account. An Earnings Allowance in excess of the total monthly fees cannot be credited to the account as interest and may not be carried forward to the following month. Eamings Allowances are calculated on a 365/366-day year basis using an"Earnings Allowance Rate,"which is a variable rate established by Bank(and which may be as low as zero percent). Bank reserves the right to change this rate at any time without notice to Company.If the account is an interest-bearing account, the account is not eligible to earn an Earnings Allowance. Recoupment Fee. The FDIC charges each insured bank a fee to cover its share of the cost of providing deposit insurance to depositors. The FDIC does not charge a bank's depositors for deposit insurance or require banks to pass the cost of deposit insurance on to their depositors. The FDIC does,however,pernvt a bank to recoup the cost of deposit insurance from its depositors, so long as the fee the bank charges its depositors does not reveal information that could be used to determine the bank's confidential supervisory ratings or mislead depositors by implying the FDIC is charging the fee.Bank assesses this Recoupment Fee to partially recover insurance premiums it pays to the FDIC for deposit insurance.The amount of the Recoupment Fee appears on the periodic statement or client analysis statement for Company's account and is based on the monthly average ledger balance Company maintains in its account. The Recoupment Fee is subject to change by Bank at any time without notice.For questions about the Recoupment Fee,Company may contact its relationship manager at Bank. Bank's Use of�nds. Bank may benefit from having the use of funds in customers' non-interest bearing accounts. Bank may use these funds to reduce its bonowing from other sources such as the Fed Funds market or invest them in short-term investments such as its Federal Reserve Account. This benefit may be referred to as "spread".It is not possible to quantify the benefit to Bank that may be attributable to a particular customer's funds because funds from all customers' non-interest bearing accounts are aggregated both for purposes of reducing Bank's borrowing costs and for investment and because Bank's use of funds may vary depending on a number of factors including interest rates, Federal Funds rates, credit risks and Bank's anticipated funding needs. Bank's use of funds as described in this paragraph has no effect or impact on Company's use of and access to funds in Company's account. 30