Personal BoD Conversion Book and Disclosure Packet

Guide to MidWest One Bank Accounts

This Bank of Denver account:

Will become this MidWest One account:

Kasasa Savings Account

Power Savings

• Minimum Opening Deposit $100 • In order to qualify for the Tier 1 interest rate, you must meet the following Power Checking Reward qualification requirements for each qualification cycle noted on page 14. • The “qualification cycle” is the same as the current statement cycle. The statement cycle ends on the fourth Wednesday of each month. • Power Savings 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.

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

Dormant Minor Savings Minor Savings

ClubOne Savings

• Minimum opening deposit of $10 • No minimum balance required • Interest paid monthly • No monthly service charge • Must be 17 years of age or younger to qualify • No paper statement fee

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