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TRUTH-IN-SAVINGS DISCLOSURE
Personal Advantage Checking Account
Rate Information
This Account is an interest bearing account. If the daily balance is less than $10,000.00, the interest rate paid on the entire balance in the account will be 0.20% with an annual percentage yield of 0.20%. If the daily balance is more than $9,999.99, but less than $50,000.00, the interest rate paid on the entire balance in the account will be 1.09% with an annual percentage yield of 1.10%. If the daily balance is more than $49,999.99 the interest rate paid on the entire balance in the account will be 1.24% with an annual percentage yield of 1.25%.
The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest. If this account is used as an IOLTA Trust Account, then interest (less applicable fees and service charges) will be sent to the Kansas Bar Foundation, IOLTA Program.
Balance Information
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations
You must deposit $100.00 to open this account.
Account Fees
To avoid a monthly fee on this account you must maintain a minimum deposit relationship balance of at least $20,000.00 (a deposit relationship includes any personal use Checking, Savings, Time Deposit or Individual Retirement Account you are an owner or joint owner on). If you fail to maintain this minimum balance during your monthly statement period you will be assessed a fee of $10.00.
Schedule of Fees and Charges
| ATM Star Withdrawal | $1 |
| ATM Cirrus Withdrawal | $1 |
| ATM Star/Cirrus Balance Inquiry | $1 |
| ATM Star/Cirrus Transfer | $1 |
| ATM & Visa Check Card PIN Reorder | $3 |
| ATM & Visa Check Card Replacement | $5 |
| Automatic Funds Transfer | $2 |
| Bill Payment (Each) | $5 |
| Closing an Account (0-90 days) | $10 |
| Copies of Safekeeping Items | $2 |
| Overdrafts (Per Item) | $30 |
| Insufficient Funds (Per Item) | $30 |
| Returned Deposited Item | $3 |
| Annual Debit Card Fee | FREE |
| Stop Payment (Per Item) | $30 |
| Statement of Account — Instant | $1 |
| Statement of Account — Duplicate | $3 |
| Statement of Account — Special | $5 |
MICR encoded checks and deposits not purchased through the bank must be properly encoded. If the document does not meet the required standards, a handling charge of $1 per item may be assessed to re-encode the documents.
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