Business Quest^SM

Business Quest provides simplicity along with many other key benefits for your business. It helps you budget—you'll know exactly how much you'll pay monthly in transaction fees if you typically stay within the 500 transaction items allowed in the monthly maintenance fee. Or, you can avoid the monthly fee altogether when you maintain a $10,000 average balance in this account or $20,000 in combined daily balances in Business Quest checking, CDs and Business or Money Market savings accounts. In addition, as a Business Quest customer, you'll receive:

• Preferred interest rates on new loans and CDs
• Discount on loan origination fees
• No annual fee on business credit card for one year
• Free initial order of standard, three-to-a page business checks, binder, deposit slips, and endorsement stamp
• Free initial supply of 75 night deposit bags
• Free 3" x 5" safe deposit box for one year or credit
  towards a larger box¹
• Three options for handling canceled checks:
  Safekeeping, Imaging, or Return
• Complimentary review of your property and casualty coverage for your business by First Citizens insurance experts, some of the most experienced professionals in the insurance business
• No monthly service charges on a personal Quest checking account as long as the Business Quest remains open

One of the most significant advantages Business Quest offers is the Investment Sweep Option.² For a low monthly fee, this service automatically sweeps idle deposit balances into overnight investment instruments, where they can earn for your business. Unlike other banks where this sweep option is available only to large corporations, First Citizens provides small businesses this opportunity to earn more.