Personal BoD Conversion Book and Disclosure Packet

CONNECTIONS CLUB ACCOUNT

Rate Information - The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.

Interest Rate Tiers

$0.00 - $999.99 $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 +

Frequency of rate changes - We may change the interest rate on your account daily. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account each monthly statement cycle.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A monthly service charge fee of $10.00 will be imposed every monthly statement cycle unless you maintain either a minimum average daily balance for the month of $1,000.00 in this account or a combined $10,000.00 relationship balance. Relationship balance includes personal checking, personal savings, certificates of deposit, Individual Retirement Accounts and current balance on consumer loans (home equity line of credit, fixed rate repayment option, home equity, line of credit & installment). Excluding residential real estate loans, demand deposit loans, and Fresh Start loans. Relationship total is determined by adding average statement cycle balance on all depository accounts plus the current balance on consumer loans. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Additional information: Available to ages 55 or better. Five (5) ATM withdrawals at non-proprietary ATMs (not owned by MidWest One Bank) without a Non MWO ATM usage fee. A $2.00 Non MWO ATM usage fee for each withdrawal after five (5). Two (2) boxes of bank branded checks per year or $6.00 discount on other styles (ordered through Deluxe). $18.00 discount on safe deposit box. No fees for outgoing faxes, photo copies, and teller's checks. Paper statement (non-image or image) at no fee.

RELATIONSHIP CHECKING ACCOUNT

Rate Information - The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.

Interest Rate Tiers

$0.00 - $999.99 $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 +

Frequency of rate changes - We may change the interest rate on your account daily. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited each monthly statement cycle.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A monthly service charge fee of $10.00 will be imposed every month unless you maintain either a minimum average daily balance for the month of $1,000.00 in this account or a combined $25,000.00 relationship balance. Relationship balance includes personal checking, personal savings, certificate of deposits, Individual Retirement Accounts and current balance on consumer loans (home equity line of credit, fixed rate repayment option, home equity, line of credit & installment). Excluding residential real estate loans, demand deposit loans, and Fresh Start loans. Relationship total is determined by adding average statement cycle balance on all depository accounts plus the current balance on consumer loans. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Additional information: Five (5) ATM withdrawals at non-proprietary ATMs (not owned by MidWest One Bank) without a Non MWO ATM usage fee. A $2.00 Non MWO ATM usage fee for each withdrawal after five (5). Paper Stmt (Statement) non-image at no fee. Paper Stmt (Statement) fee image at $3.00 per statement.