Have you ever wished a company would treat you as well as you treat your best customers? That's the idea behind Harris Extras. With Harris Extras, we reward you with special rates and free access to our most popular services.

Managing Cash
With a new business checking account, you get access to Harris Extras. At sign-up, we’ll give you a free Harris Business Starter Pack, which includes checks, deposit slips, check register, cover and endorsement stamp. Plus, you can take advantage of up to $1,000 in overdraft protection¹ at account opening.

Accessing Funds
As a Harris Business Checking customer, you’ll have convenient access to your accounts through more than 200 locations, over 575 Harris ATMs², free phone and online banking, a free Harris Debit MasterCard^® for Business¹ and 20 free monthly payments³ through Harris Business Bill Pay^SM. And Harris Total Look^® lets you review all your online accounts through a single, secure web page.

Borrowing Solutions
Harris Extras entitles you to a 1/2 percent rate reduction⁴ on a small business loan when you arrange for an automatic debit from your Harris business checking account. As well as a $50 statement credit upon your first purchase with an American Express SimplyCash^SM Business Card.⁵

Payment Processing
If your business accepts credit card payments, Harris Extras includes access to a Merchant Services Value Package from Moneris Solutions⁶ that gives you next-day funding of processed bankcard dollars, a free POS terminal and printer, online reporting and a low monthly fee of $12.95 per month plus competitive processing rates.

Maximize Interest Income
Make your assets work harder with a Harris Money Market account. The Harris Prime Money Market Plus Option⁷ rewards you with a higher rate of interest when you also maintain a business checking account with us.

Personal Banking Options
Harris Extras lets you and your employees take advantage of some of our best money-saving personal banking options. It only takes a personal checking account. Choose from a variety of checking solutions including Lion Power Free Checking and interest-bearing accounts¹. Get low rates on home equity loans or lines of credit. Receive $250 towards closing costs in residential mortgage loans or refinances⁸

We’ve created Harris Extras to help you increase efficiency, reduce costs and, in the process, give you the value you deserve. For complete details on Harris Extras, call our Business Banking Center at 1-888-489-2265.

All account openings, overdraft protection lines of credit, credit cards and loans are subject to approval. To qualify for the Harris Extras offers, a Harris business checking account is required and must be maintained. Offers cannot be combined with any other offer for the same product. Harris reserves the right to amend or cancel any part of these offers.

	1.	Subject to approval.
	2.	Includes ATMs at Speedway locations branded with the Harris name and/or logo.
	3.	There is no monthly fee for Harris Business Bill PaySM. Each payment over 20 will be charged $0.50.
	4.	Subject to credit approval. For loans of $100,000 or less. 1/2% rate reduction includes 1/4% discount for Harris Extras and 1/4% discount for automatic deduction of loan payments from your Harris business checking account.
	5.	Bonus $50 savings applies to your first purchase made between 9/25/07 and 9/25/08, and will appear as a statement credit on your monthly billing statement. Maximum discount available is $50 per Card account.
	6.	Moneris Solutions' Merchant Services Value Package requires a signed Merchant Services Agreement. Monthly fee does not include transaction processing rates and fees, which are based on the dollar amount and number of transactions processed by each merchant (discount rate plus per item fees). Rates and fees are quoted by Moneris Solutions. Monthly Merchant Services Value Package fee of $12.95 is assessed to the merchant. If the merchant owns the terminal, the monthly fee is $9.95 per month for the first merchant-owned terminal. All other standard fees apply, including, without limitation, processing downgrade fees. Next-day funding of processed bankcard dollars is only provided and deposited to a Harris business checking account. This offer is valid for new Moneris Solutions clients only.
	7.	Higher interest rates will be rewarded on your Harris Business Prime Money Market Plus Option Account when you maintain $50,000 or more in your related business checking account. The index for calculating interest on your Harris Business Prime Money Market Plus Option Account will be determined at the beginning of each month based on the month-to-date (MTD) average collected balance maintained in the related business checking account as of the prior month end. Please refer to the Harris Business Banking Service Fee Schedule and the Harris Handbook for Personal and Business Deposit Accounts.
	8.	Subject to credit approval and underwriting guidelines. Requires automatic debit of mortgage payment from a Harris checking or savings account or payment through Harris Business Bill PaySM. Residential mortgages provided by Harris N.A.