Personal BoD Conversion Book and Disclosure Packet

Guide to MidWest One Bank Accounts

These Bank of Denver accounts

Will become this MidWest One account:

Power Checking • Minimum Opening Deposit $25

Kasasa Checking Account

• In order to qualify for the Tier 1 (Power Interest Rate ) interest rate, you must meet the following Power Checking Reward qualification requirements for each qualification cycle; o Make at least fifteen debit card purchases post and clear (excludes ATM transactions). o Make at least one direct deposit, automatic debit from third party or bill payment transaction post and clear. o Enroll and receive electronic statements • For each statement cycle the electronic statement requirement is not met, a paper statement will be mailed and a Paper Statement fee (non-image or image) of $3 will be assessed per account, per statement. • You must also access online or mobile banking at least once every 180 days to have your online banking account and electronic statements active. If your online banking access becomes inactive, you will no longer have access to your electronic statements and you will be switched to paper statement delivery and assessed a Paper Statement fee (non-image or image) of $3 per account, per statement until your online banking access has been restored and electronic statements have been reestablished. • The “qualification cycle” is the same as the current statement cycle. The statement cycle ends on the fourth Wednesday of each month. • Power Checking Rate Information (Applies if Power Checking Rewards qualification requirements are met). o Tier 1-If your daily balance is $25,000 or less the Tier 1 interest rate will be paid on the entire balance o Tier 2-Interest will be paid for the portion of your daily balance that is greater than $25,000 at the Tier 2 interest rate o Base Interest Rate (Applies if Power Checking Rewards qualification requirements are not met) • Interest will be compounded monthly and will be credited each statement cycle. • If Power Checking Rewards qualifications requirements are met customers receive up to $15 in domestic ATM fees refunded for that qualification cycle. ATM surcharges greater than $4.99 are not automatically refunded and require the presentation of a receipt.

See the enclosed disclosure packet for full Truth in Savings disclosure.

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