What is loyalty banking?

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1 What is loyalty banking? Loyalty Banking is a rewarding new way to bank with Iowa State Bank! Now you can earn bonus rates on your deposits, discount rates on your loans, plus other valuable benefits on many of our products and services when you bring us more of your financial relationships...including your family and friends...and stay with us longer. How does it work? Loyalty Points are awarded for each account relationship you have with us at Iowa State Bank, for each year you bank with us, and for family members and friends you refer to us. Your Loyalty Points determine your Earned Loyalty Status...and your Loyalty Banking benefits. It s easy to register. Just fill out the Loyalty Points Scorecard & Participation Form to determine your Total Loyalty Points. Then look up your total points in our special Conversion Chart to find out your Earned Loyalty Status (equal to 25%, 50%, 75%, 100% or 125%) and your Standard Benefits on both personal loans and CDs.

2 The Greater Your Loyalty, The Greater Your Rewards! Standard Benefits are available to you every day as a participating Loyalty Banking customer. Based on your Earned Loyalty Status, you can earn up to a.25% interest rate bonus on any new or renewed CD, and up to a.625% rate discount on any new personal or ag loan. Special Rewards, available for a limited time, can earn you even greater benefits on your CDs, loans, and other financial services. For example, if we offered up to a 2.00% Rate Discount on a new car loan, and your Earned Loyalty Status was 50%, you would be eligible for a 1.00% Rate Discount-or 50% of the 2.00% discount offer. Similarly, if we offered up to a.50% Interest Rate Bonus on a 12 month CD, and your Earned Loyalty Status was 100%, you would earn a full.50% Rate Bonusor 100% of our.50% bonus offer. All you have to do to receive both standard and special Loyalty Banking rewards is submit the online form. Then...the more banking relationships you bring home to Iowa State Bank, and the longer you bank with us, the higher your Loyalty Points and Earned Loyalty Status...and the greater your reward opportunities! Loyalty Points Conversion Chart Your Standard Benefits Your Total Your Rate Discount Additional Interest Loyalty Earned Loyalty on Qualifying on Qualifying Points Status Personal or Ag Loans CD Investments %.125%.05% %.250%.10% %.375%.15% %.500%.20% Over %.625%.25% Loyalty Points are awarded for each relationship you have with Iowa State Bank; for each year of continuous banking with our bank; and for referrals of family members and friends (see Loyalty Points Scorecard & Participation Form). Your Total Loyalty Points determine your Earned Loyalty Status and your Standard Benefits on new personal or ag loans and new and renewed CDs as shown in the Loyalty Points Conversion Chart above. Special Reward Benefits, when available, offer you even more opportunities for bonus earnings and discounts on many Iowa State Bank products and services.

3 LOYALTY POINTS SCORECARD & PARTICIPATION FORM Your Social Security # Joint Registrant (Spouse) Social Security # Address Birth Date Birth Date Telephone No. When you became a customer (month/year) When joint registrant became a customer (month/year) Loyalty Points Relationships Loyalty Points Earned (For joint registration/spouse enter combined answer when applicable.) 1. Years of continuous banking with Iowa State Bank? (Enter greater of you or joint registrant) 2. Members of your family who have accounts with Iowa State Bank? (Maximum 3 points) 3. New customers you have referred to Iowa State Bank in the past three years? (Maximum 3 points)

4 4. How many personal checking accounts do you have with Iowa State Bank? 5. How many personal savings accounts do you have with Iowa State Bank i.e., regular savings, Money Market? 6. How many personal certificates of deposit do you have with Iowa State Bank? 7. How many ag or business loans do you have with Iowa State Bank? (Current outstanding loans only) 8. How many personal installment loans (other than ag or business) do you have with Iowa State Bank i.e., auto, home improvement, other consumer loans? (Current outstanding loans only) 9. How many Visa credit card accounts do you Have with our bank? (Number of actual accounts) 10. How many Shazam ATM Card relationships do you currently have with Iowa State Bank? (Number of actual accounts) 11. How many home mortgage loans do you currently have with our bank? 12. How many business do you own or manage That bank with Iowa State Bank? (Business must have commercial or ag relationship) x2 x2 x3 x3

5 13. Do you use our direct deposit service-i.e., social security, other? (1 point if yes-2 points if joint registrant also uses service) 14. Are you using our automatic payment service for your Iowa State Bank loans? (1 point if yes 2 points if joint registrant also uses service) 15. Do you have a safe deposit box with Iowa State Bank? (3 points if yes 6 points if joint registrant also has a box) 16. Do you participate in our Iowa State Bank Travel Club activities? (4 points if yes 4 points max. for joint registration) 17. Do have an Individual Retirement Account (IRA) with Iowa State Bank? (4 pts. If yes 8 pts if joint registrant also has an account) 18. Do you have any HR-10, SEP, or 401(k) Retirement plans with Iowa State Bank? (4 pts. if yes 8 pts. if joint registrant also has an account) 19. Do you use our discount brokerage service for purchasing mutual funds, stocks, or other investment products? (3 points if yes 3 points max. for joint registration) 20. Have you had a personal insurance evaluation or proposal from the Iowa State Insurance Agency within the past three years? (2 points if yes 2 points max. for joint registration) 21. Have you had an annuity proposal through the Iowa State Insurance Agency within the past three years? (2 points if yes 2 points max. for joint registration)

6 Total Loyalty Points Customer Signature(s): How To Sign Up For Loyalty Banking Participation in Loyalty Banking is free, and it s easy. Just print and complete the Loyalty Points Scorecard & Participation Form found above and return it to your Iowa State Bank office. Once you re enrolled, we ll keep your Loyalty Points and Earned Loyalty Status updated automatically. And, we ll send you important information about current benefits including special offers available to you as a registered customer. Sign up for Loyalty Banking now, and you can begin enjoying bonus rates on your CDs and discount rates on your loans. Also watch for our special offers on CDs, loans, and other Iowa State Bank products and services. We ve always valued your loyalty as a customer. Now we have a fair and equitable way of rewarding your loyalty. Become a registered Loyalty Banking customer. Return your completed Scorecard & Participation Form today...and don t miss out on YOUR Loyalty Banking rewards! Iowa State Bank reserves the right to suspend or terminate the Loyalty Banking program without notice. Reward benefits offered to registered customers may be modified from time to time, and certain CDs and loans may not qualify for Loyalty reward benefits. All loans are subject to credit approval. A penalty may be imposed for early withdrawal on CDs and other time accounts.