Interest Checking Earn interest on higher checking balances and pay no monthly service fee as long as minimum balance is maintained. $100.

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1 Today, more than ever, managing your personal finances can be a challenging experience whether it s covering your day-to-day living expenses, buying a home, or saving for your retirement. At BankFinancial, we can help you do more with our selection of checking and savings accounts, home loans, retirement services, and other options.

2 Checking matter what your age, income level or financial goals, BankFinancial has a checking account that fits your lifestyle from totally free checking to all-electronic checking to accounts that reward you for multiple account relationships. Call us at for more information, or visit any of our 21 convenient locations to open your account today. Minimum Opening Deposit Minimum Daily Balance Totally Free Checking monthly service charges or minimum balance requirements. $100 ne Interest Checking Earn interest on higher checking balances and pay no monthly service fee as long as minimum balance is maintained. $100 $500 to earn interest and avoid fees Lifestyle 50 Checking Specially designed checking account for those 50 or better. $100 ne Student Checking A fully transactional, totally free account specially designed for young adults. $100 ne Interest Bearing Yes Yes Monthly Service Charge $10 if account falls below Minimum Daily Balance ATM Fee Unlimited free transactions at all BankFinancial owned ATMs See Fee Schedule for non-proprietary ATMs Unlimited free transactions at all BankFinancial owned ATMs Four free transactions per statement cycle at non-proprietary ATMs, see Fee Schedule thereafter Unlimited free transactions at all BankFinancial owned ATMs Four free transactions per statement cycle at non-proprietary ATMs, see Fee Schedule thereafter Unlimited free transactions at all BankFinancial owned ATMs Six free transactions per statement cycle at non-proprietary ATMs, see Fee Schedule thereafter Built-in Features & Options Free Online Bill Pay Free Visa Check Card $5 off first full check order Unlimited check writing 24/7 Bank-by-Phone Direct Deposit Option for Savings Sweep Visa Credit Card $5 off first full check order Unlimited check writing 24/7 Bank-by-Phone Free Visa Check Card Direct Deposit Option for Savings Sweep Visa Credit Card Free Online Bill Pay Free Visa Check Card Free Lifestyle 50 personalized checks (150 per order) Unlimited check writing 24/7 Bank-by-Phone Direct Deposit Option for Savings Sweep Free Visa Gift Cards & Travel Cards Visa Credit Card Free Visa Check Card or ATM Card for account holders 18 & older $5 off first full check order Unlimited check writing 24/7 Bank-by-Phone Direct Deposit Option for Savings Sweep Visa Co-Signer Credit Card Online Bill Pay Free unlimited Free unlimited Free unlimited t applicable continued on next page Rev. 8/15/11

3 Checking Continued from previous page Minimum Opening Deposit Minimum Daily Balance Interest Bearing Monthly Service Charge Spectrum Direct Checking Earn value-added benefits and exclusive rates with this account if you have Direct Deposit with BankFinancial. * $100 ne Yes Graduate Checking A fully transactional, totally free $100 ne Yes ATM Fee all BankFinancial owned ATMs ** all BankFinancial owned ATMs ** Built-in Features & Options Online Bill Pay Check Card BankFinancial Direct checks (150 per order) Fund Transfer Service CD Rates Cards Credit Card Check Card Fund Transfer Service Card Rev. 7/3/12

4 Spectrum Select Services BankFinancial invites you to profit from a special program that gives your money the power it needs to work harder and faster for you. This program is exclusively from BankFinancial. Spectrum Select Services are for personal Customers who maintain a relationship of $10,000 in any combination of Checking, Savings, and/or Money Market accounts with BankFinancial. The Spectrum Select Program includes bonus interest rates on specified accounts and other benefits. Minimum Opening Deposit Minimum Daily Balance Minimum Relationship Balance* Interest Bearing Monthly Service Charge ATM Fee Built-in Features & Options Online Bill Pay Spectrum Select Checking Use the combined balances of your qualified Checking,Money Market and Savings accounts to receive exclusive benefits. $2,500 * $2,500 to earn interest $10,000 * Yes, tiered $20 if account falls below Minimum Relationship Balance * Unlimited free transactions at all BankFinancial owned ATMs Free ATM Anywhere ** Free Online Bill Pay Free Online Statements Free Visa Check Card Eligible for special Spectrum Money Market & Spectrum CD Rates Free BankFinancial Spectrum Select checks Free Cashier s Checks & Money Orders Free loose coin count Free Visa Gift Cards & Travel Cards Free unlimited *Minimum monthly average ledger relationship balance of $10,000 in ANY combination of Checking, Savings, and/or Money Market accounts with BankFinancial. CDs aren t included. Purple Powered Introducing Purple Powered accounts empowering you with more options to bank the way you want. Get Purple Power when you open an account online at These accounts include Purple Checking, Purple Money Market, Purple Savings and Purple CDs. Purple Checking offers the following benefits: minimum daily relationship balance monthly service fee Interest bearing Free Online Bill Pay Free Online Statements* Free ATM anywhere unlimited free ATM withdrawals at non-proprietary ATMs (ATM owner surcharges still apply) ATM surcharge fee reimbursement up to six (6) per month Free Visa Check Card And much more! *$3 fee for paper statements. Spectrum Select Money Market Account The Spectrum Select Money Market is for individuals who have the Spectrum Select Checking Account. The interest rate increases based on the balance in the account and is higher than our other Money Market account rates. This insured account gives you the high interest and flexibility you need to maximize your investments. Product features and fees are subject to change without notice. **There may be a fee imposed by the owner of the other terminal or network. Rev. 12/1/12

5 Savings, Money Market & CDs Today, more than ever, investors are realizing the importance of maintaining a substantial percentage of their savings in insured investments. BankFinancial s Savings, Money Market Accounts, CDs and IRA investments are insured up to $250,000 by the. Our competitive rates and terms will help you build and protect your retirement nest egg, college fund and other investments. Minimum Opening Deposit Minimum Daily Balance Interest Bearing Savings Accounts The foundation for all of your investments. This solution keeps your money working for you while you build for the future. Personal Savings - $50 Kids Savings - $10 ne Yes Money Market Account The heart of any deposit or investment portfolio. Earn higher yields with complete liquidity. $1,000 $500 to avoid fees Yes, tiered Certificates of Deposit The safest investment you can make. The longer you invest, the more you earn. Personal or Retirement - $1,000 to $100,000 Kid s - $500 Goal Setter - $25 Minimum opening deposit per CD terms Yes Monthly Service Charge, $10 per item/occurrence if account does not comply with the withdrawal restrictions as explained below. $10 if account falls below Minimum Daily Balance. $10 per item/occurrence if account does not comply with the withdrawal restrictions as explained below. t applicable Withdrawal Restrictions Limited to six (6) preauthorized, automatic, telephone or online transfers per statement cycle. Limited to six (6) preauthorized, automatic, telephone or online transfers per statement cycle. Penalties may be incurred if a withdrawal of the principal is conducted on the CD prior to maturity. Penalties are based on the term of the CD. te: Only interest credited to the CD can be withdrawn at any time prior to maturity without penalty. ATM Fee Built-in Features & Options Unlimited free transactions at all BankFinancial owned ATMs Four free transactions per month at non-proprietary ATMs, see Fee Schedule thereafter 24/7 Bank-by-Phone Choice of Statement Account or Passbook Account Direct Deposit ATM services (statement only on Personal Savings accounts) Option for Overdraft Savings Sweep from Statement Savings Unlimited free transactions at all BankFinancial owned ATMs See Fee Schedule for non-proprietary ATMs Higher rate of interest 24/7 Bank-by-Phone Free ATM Card t applicable Variety of terms, from 91 days to five (5) years Choose from a fixed rate or variable rate of interest for full term Automatic renewal Loans on Deposit Kid s CDs only, for 6 Month and 1 Year terms: Unlimited deposits of a minimum of $50 can be made throughout the term of the CD Product features and fees are subject to change without notice. Rev. 1/1/13

6 Loans If you are looking for a new home mortgage, are considering refinancing your current home, or want to tap into your home s equity, BankFinancial is here to help. We have a variety of home financing options available with competitive and flexible terms to keep your payments affordable. You can compare rates, obtain loan recommendations and even pre-qualify for a mortgage loan online at Then, apply when it s convenient for you either online, by phone at or at any of our offices. Payment Options Interest Rate Fixed Rate Mortgage Loan 1 Gives you the peace of mind of an interest rate that will never change. from application date Adjustable Rate Mortgage Loan 1 Benefits you when rates go down, and protects you when rates go up. Fixed Rate Home Equity Loan Borrow your home s equity easy-to-manage monthly payment that will never change. first adjustment from application date first adjustment application date Home Equity Line of Credit equity funds you need when you need them. Can change monthly 5 Year HELOC Loan amount less than 4 Loan amount more than 10 Year HELOC Loan amount less than 4 Loan amount more than Loan Amounts Loan-to-Value Up to 97% for purchase transactions 1 1 Varies Property Types 1-4 family, owner- occupied residential properties 1-4 family, owner- occupied residential properties family residential residential properties single family residential Special Features downpayment assistance with less than perfect credit, with commitments with less than perfect year Rev. 6/4/10

7 Retirement At BankFinancial, we offer a full spectrum of retirement options including insured accounts as well as non- insured investments provided through our Spectrum Select Investment Services Group. Whether your primary concern is safety of your principal or moderate risk, our financial professionals will assist you in developing a retirement plan tailored just for you. Individual Retirement Accounts It s never too early to begin planning and saving for retirement or for your child s or grandchild s education. BankFinancial offers a variety of tax-deferred Individual Retirement Accounts as well as the Coverdell Education Savings Account which will help your savings grow faster. To determine which account is right for you and for advice as to the Traditional Individual Retirement Account Gives you a variety of investment options and tax benefits on contributions. Roth Individual Retirement Account Gives you a variety of investment options and tax benefits on withdrawals. deductibility of contributions from federal income tax, it is important to consult with your tax advisor. Coverdell Education Savings Account Earn tax benefits and help pay for a child s education. Eligibility Requirements and Account Features You can contribute to a Traditional IRA if you have earned income and will not reach age 70 1/2 by the end of the year, at which time you must begin taking required distributions from the account. You can contribute to a Roth IRA as long as you have earned income that falls within certain income limits in that year.you can withdraw contributions at any time, but you are never required to take a distribution. Anyone within the income limits may contribute for a designated beneficiary under the age of 18. Tax Advantages Tax-Deductible Contributions Your contributions may be tax-deductible and the earnings on your account are tax-deferred. Depending on your income level and whether you participate in your employer s retirement plan, all or part of your contributions may be tax-deductible. The earnings on your account are federally tax-free. (See Tax Treatment below). Contributions are not tax-deductible. The earnings on your account are tax-free if used for qualified education expenses. Contributions are not tax-deductible. Tax Treatment of Withdrawals You can begin taking withdrawals at age 59 1/2, but they will be taxed as regular income. You can withdraw contributions at any time tax-free. Plus, if you have had a Roth IRA for at least five years AND you are at least age 59 1/2, you can withdraw your earnings tax-free. You can withdraw contributions and earnings tax-free if they are used for qualified education expenses. IRS 10% Additional Tax on Early Withdrawals Consult your tax advisor or see IRS Publication 590 for more information. If you are under 59 1/2 and the withdrawal is not for qualified reasons such as the death or disability of the account owner, you will be charged an early withdrawal penalty by the IRS. You can withdraw contributions at any time without a tax penalty. Plus, if you have had a Roth IRA for at least five years AND you are at least 59 1/2, you can withdraw any of your earnings without a tax penalty. Otherwise, same as Traditional IRA You can withdraw contributions and earnings without a tax penalty if the withdrawals are made for qualified education expenses. Otherwise, same as Traditional IRA. continued on next page Rev. 2/6/13

8 Retirement Continued from previous page Certificates of Deposit & Retirement Management Account Certificates of Deposit (CD s) can be opened as a retirement account for as little as $500 or as much as $100,000, with terms from 91 days to five years. The longer you invest, the more you earn. The Federal Deposit Insurance Corporation insures retirement CDs for up to $250,000. Retirement Management Accounts provide flexibility to manage your investments quickly and without penalty. Insured by the for up to $250,000, the Retirement Management Account earns money market interest rates on all liquid funds in your retirement plan. Use your Retirement Management Account for contributions, distributions, transfers, and rollover funds. The Retirement Management Account lets you decide the type of investment you want to make, including insured and non- insured investments. This account allows you to choose the timing of your investments according to market conditions and your personal needs. Contributions or Distributions Retirement Management Account oney Market Interest Rates Insured n- Insured Stocks, Bonds Mutual Funds Annuities 1 Transfers or Rollovers Insured Certificates of Deposit Combination Retirement Portfolio Maintaining funds in your Retirement Management Account and in insured Certificates of Deposit helps preserve your retirement principal and contributes to positive investment returns. By adding non- insured, market-based investments such as mutual funds*, stocks* and bonds* to your retirement portfolio, you may better realize your investment objectives. Depending on your financial goals and comfort with risk, a combination retirement portfolio may be your best investment management choice. 401(k) Analysis Did you know If you are no longer employed by the company that established your 401(k), 403(b) or any other former employer-sponsored retirement plan, you have the right to re-invest your hard-earned funds into a qualified retirement program of your choice. The investment professionals in our Spectrum Select Investment Services Group can review your current 401(k) investment and help you determine if it s the ideal option for you. *Securities and insurance products are offered by PrimeVest Financial Services, Inc., a registered broker-dealer, member FINRA/SIPC. PrimeVest is not affiliated with the financial institution where investment services are offered. Investment products are t insured May lose value t bank guaranteed t a deposit t insured by any federal government agency. Rev. 1/24/11

9 Other Services to Enhance your Banking Experience ATM Card If you choose, you can access your account quickly with a BankFinancial ATM (Automated Teller Machine) Card. The card is free and can handle both your checking and savings accounts, providing access to your funds 24 hours per day, seven days per week. An ATM is available at every BankFinancial location as well as other convenient locations. Visa Check Card BankFinancial offers the Visa Check Card it works like a check, but it s faster and easier. You present your card to the cashier anywhere Visa is accepted, sign the receipt and your purchase will be deducted from your BankFinancial checking account. You can also use it like a regular ATM (Automated Teller Machine) Card when you input your PIN at any ATM location. There are no interest charges because the funds are automatically deducted from your account. Your Visa Check Card purchases appear on your monthly checking account statement along with any other transactions you make. Overdraft Protection Having Overdraft Protection prevents the embarrassment of bouncing checks. You may choose to have your BankFinancial Checking Account protected by an unsecured line of credit up to $5,000. Overdraft Protection is subject to certain limitations, so be sure to ask for details. prevent returned checks. Money can be automatically transferred Account to your Checking Account to cover overdrawn funds. Also, be Visa Credit Cards You may choose from a variety of BankFinancial Visa Credit Cards, each designed to match your different needs. Whichever card you choose, you ll enjoy valuable benefits like: (miles, cash back or gifts) unauthorized use of your card Program to protect your online purchases with a personal password Avis, Hertz and National Apply online at or pick up an application at your nearest BankFinancial branch. continued on next page Rev. 8/4/11

10 Other Services to Enhance Your Banking Experience Continued from previous page. Online Account Opening Whether you are planning to open your first account at BankFinancial, or you already have an account with us, opening your account online is easy, secure and quick. You can open a variety of accounts with Online Account Opening. Checking Accounts: Totally Free Checking Spectrum Direct Checking Purple Checking Savings Accounts: Personal Savings Purple Savings Money Market Accounts: Purple Money Market Certificates of Deposit: 6 Month CD Purple CDs Foreign Checks & Foreign Currency Foreign checks issued in foreign denominations for U.S. dollar amounts of $50 or more can be redeemed by BankFinancial. However, the process is not immediate and the charge for this service is dependent upon the charges assessed by the bank processing the check. Some types of checks may take as long as 60 days to be credited. This service is available to BankFinancial account holders only. Foreign Currency is available in over 40 foreign denominations. You can order currency quickly and conveniently on our website, and have them delivered to your home in as little as one day. Foreign currencies available include: Euro Dollars Canadian Dollars Mexican Pesos British Pounds Sterling Swiss Francs You may purchase and redeem foreign currency in U.S. dollar amounts of $50 or more, except foreign coin. Allow three days for special foreign currency orders. See Fee Schedule for special orders. Available only on our website, Open your account online today at Visa Prepaid Cards Visa Prepaid Cards are the convenient and secure alternative to cash or checks, providing an easy way to pay, anytime and anywhere. w available at any BankFinancial branch.* Gift Cards The perfect gift, it can be used everywhere Visa debit cards are accepted. matter what the occassion, you'll be giving exactly what they want, every time. Cashier s Checks & Money Orders Cashier s Checks can be purchased with cash or funds from a BankFinancial account. The check stub serves as your receipt. This service is available to BankFinancial account holders only. General Purpose Card The card can be loaded and reloaded to use everywhere Visa debit cards are accepted. They are ideal for paying bills, budgeting, direct deposit, shopping and more. Visa Travel Card You no longer need to carry traveler s checks or large amounts of cash when you travel. Set your spending limit, load the appropriate amount on to your card, and you re ready to go. Money Orders can be purchased with cash or funds from a BankFinancial account. The Money Order is issued with a receipt and an identification number for your records. *A fee may apply when purchasing a Visa Prepaid Card. Rev. 5/26/11

11 Customer Fee Schedule Account Holder Convenience Fees Service Fee Check Cashing (Subject to Funds Availability Policy)... fee Coupon Redemption (Per envelope)...$10.00 Foreign Check Redemption...$50.00 Canadian Check ($2, and under)...$5.00 Canadian Check ($2, and over)...$50.00 (+ additional Corresponding Bank fees + JPMorgan Chase Fee of $75.00, plus any other related charges incurred by Chase during processing) Foreign Currency (Purchase - shipping and handling)...$15.00 (Redeem)...$ Percent of total Legal Document Review...$ costs Legal Processing...$ cost Loose Coin Exchange...Free up to $ % over $ Lost Money Order or Cashier s Check Claim...$20.00 tary Public... fee Photocopies (Per page)...$0.25 Copies (Money Order or Cashier s Check, per item)...$5.00 Purchase Cashier s Check...$5.00 (Available to deposit account holders only) Purchase Money Order...$3.00 Purchase Rolled Coin (Retail Customers)... fee Purchase Temporary Checks (Per sheet of 3)...$1.50 Receive Facsimile (Domestic & International, per page)...$1.00 Send Facsimile (Domestic, per page)...$1.00 (International, per page)...$5.00 Signature Guarantee... fee Special Handling/Item...$5.00 U.S. Savings Bond (Purchase or Redemption)... fee Visa /MasterCard Cash Advance... fee Visa Prepaid Cards Gift Card...$3.75 Travel Card...$4.75 General Purpose Card...$4.75 Express Access Fees Service Fee ACH Overdraft...$35.00 ATM Adjustments (n-proprietary terminals only)...$5.00 ATM/Visa Check Card Replacement Fee...$5.00 ATM Transaction Fee BankFinancial ATM network... fee Other ATM terminals per transaction charge...$2.00 Plus any fee imposed by the owner of the other terminal or network.* You may be eligible for more free ATM services. Refer to the specific account for more information. Domestic Wire Transfer (Outgoing)...$20.00 (Outgoing, $100,000 or more after 10:00 a.m)...$25.00 Incoming Wire Transfer... fee Outgoing International Wire Transfer (+ Corresponding Bank fees)...$40.00 Online...$15.00 Optional Wire Transfer Confirmation Callback (to one confirmer)...$5.00 (to two confirmers)...$10.00 Foreign ATM Transaction...$2.00 Facsimile Response (Per page)...$5.00 Stop Payment on n-atm Electronic Payment...$35.00 Stop Payment Renewal (n-atm Electronic Payment)..$15.00 Special Card Delivery Fee (Debit or ATM)...$20.00 Visa Check Card Research Request...$10.00 minimum, first 20 minutes; $10.00 for each additional full or part 20 minutes Visa Debit Card Research...$50 hr / $20 min Account Services Service Fee Account Reconciliation/Balance Assistance...$10.00 minimum, first 20 minutes; $30.00 for each additional full or part 60 minutes Account Research...$20.00 minimum, first 20 minutes; $50.00 for each additional full or part 60 minutes Cancelled Check Copies (Up to 6)...$5.00 per item (After 6 checks, refer to Account Research Fee) Damage to Property...As appraised Domestic Collections...$25.00 Early Closing Fee...$25.00 (if account is closed within 120 days of opening date) Form 1099 Copies...$5.00 Inactivity Fee...$5 per month for deposit accounts; $5 per month on cashier s checks and money orders $250 or less; 1% per month on cashier s checks and money orders greater than $250 Inactivity is defined as: and balance less than $250 than $250 Instant Statements Branch Service... fee Instant Statement Mail Delivery...$1.00 MICR Reject Fee...$2.00 per item for items not purchased from a BankFinancial approved supplier Negative Balance...Daily fee beginning on 2nd consecutive day the account has a negative balance; $1 per $1,000 of negative balance, with a minimum daily fee of $5 n-sufficient Funds (NSF)...$35.00 Passbook Replacement...$5.00 Returned Deposit Item fee...$5.00 Savings Sweep (Per transfer)...$10.00 Statement Copies (Up to 6 statements)...$5.00 per item (After 6 statements, refer to Account Research Fee) Stop Payment Check...$35.00 Stop Payment Check Renewal...$15.00 Third Party Request to Close Account...$25.00 Uncollected Funds (UCF)...$35.00 Continued on next page. Rev. 11/1/2012 bankfinancial.com

12 Customer Fee Schedule Continued from previous page. Safe Deposit Box Fees Safe Deposit Boxes Annual Fee 1 Size availability varies per location. 2x5x20; 2x5x22...$ x5x20; 3x5x22...$ x5x20...$ x5x20; 5x5x22...$ x10x20; 3x10x22...$ x10x20...$ x10x20; 5x10x22...$ x10x20...$ x10x20...$ x10x20; 10x10x22...$ x10x20; 15.5x10x22...$ x16x20...$ x16x20...$ x16x20...$ Service Fee Drill safe deposit box...$ Lost safe deposit box key...$25.00 Safe deposit box late payment fee...$ If you currently have a BankFinancial account, you will receive a 10% discount on your Safe Deposit Box annual fee. If you sign up for Automatic Payment of your Safe Deposit Box annual fee, to be paid from your BankFinancial account, you will receive an additional 10% discount on your Safe Deposit Box annual fee. *If you initiate a transaction at any ATM terminal that BankFinancial does not own, the owner of the terminal or any regional, national or local network utilized to effect the transaction may impose a separate fee for the transaction. The above fees are subject to change without notice. Some products and services are not available at some locations. Rev. 11/1/2012 bankfinancial.com

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