CHECKING AND SAVINGS PERSONAL FINANCIAL SERVICES. We re banking on people. Banking Investments Insurance

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1 CHECKING AND SAVINGS PERSONAL FINANCIAL SERVICES We re banking on people. Banking Investments Insurance

2 THE INVESTOR Earn our best money market checking rate, regardless of your balance. Also: free unlimited check writing free basic checks ($10 discount on designer checks) free Instant Cash & Check card (if qualified) $5 discount on a safe deposit box free cashier checks, money orders (limit three per day) and traveler s checks free investment counselling The Investor s $12 monthly fee is waived with average monthly balances of $10,000 or more in total deposits. INTEREST PLU$ Earn interest on all balances when this is your primary checking account, and you use just two or more qualified services! Qualified services include: Instant Cash & Check card (ATM card with VISA logo), direct deposit, personal loan, home equity loan or line of credit, Money Market or Premier Savings, or certificates. INTEREST CHECKING Earn interest on all balances and enjoy unlimited check writing. Stay above the $600 minimum balance to waive the $10 monthly fee. CHECKING ACCOUNTS BUDGET CHECKING A set monthly fee of $8 and no minimum balance makes budgeting a snap. Also free check writing, free basic checks ($10 discount on designer checks) and free traveler s checks. FREE CHECKING No monthly service charge, no minimum balance requirement, and unlimited check writing with this checking product. No actual checks or check images provided with bank statement. TIME OF YOUR LIFE CLUB (TOYL) Lots of perks if you are 59 years old or older: no minimum balance in checking unlimited check writing free basic checks ($10 discount on designer checks) interest on checking free Instant Cash & Check card (if qualified) $5 discount on a safe deposit box free traveler s checks free investment counselling for you and your children Earn interest with no minimum balance required. The $5 monthly fee is waived with average monthly balances of $2,500 or more in total deposits.

3 Whether you just want to tuck a few extra dollars away, save for a major purchase, or earn a competitive rate without tying up your money, Western Bank has a savings plan for you. The main differences among Western Bank savings accounts are the current annual percentage yield (APY) and the minimum balance required to avoid a penalty. PREMIER SAVINGS* Minimum balance $25,000 Below minimum charge APY reverts to Basic Savings APY MONEY MARKET SAVINGS* Minimum balance $1,000 Below minimum charge $6 per statement cycle SAVINGS ACCOUNTS BASIC SAVINGS Minimum balance $300 Below minimum charge $18 per quarter Max. withdrawals 15 per quarter ($3 ea. add l) THRIFT SAVINGS Minimum balance $50 (average) Below minimum charge $18 per quarter Max. withdrawals 6 per quarter ($3 ea. add l) MINOR SAVINGS No minimum balance, $25 to open. Pays the APY of Basic Savings. A parent or guardian must be a signer. This account is for youths under 18 years of age with a parent, guardian or grandparent who has an account at Western Bank. * Higher APY (Annual Percentage Yield) may be paid for higher balances. For more information about these products please review the product disclosures included with this brochure.

4 Manage your finances in the way that suits you best with one of the many checking account options available at Western Bank. PERSONAL CHECKING THE CHOICE IS YOURS THE INVESTOR INTEREST PLU$ INTEREST BUDGET FREE 3 TOYL (59+) Minimum Balance $0 $0 $600 $0 $0 $0 Interest Paid Yes Yes Yes Yes Monthly Charge $12 1 $10 2 $8 $5 4 or Below Minimum Charge $10 Check Printing Free Pay Pay Free Pay Free Instant Cash & Check Card 5 Free Free Free Free Free Free Instant Cash Card 6 $12yr. $12yr. $12yr. $12yr. $12yr. $12yr. Safe Deposit Discount Yes Yes Cashier Checks Free Pay Pay Pay Pay Pay Money Orders Free 7 Pay Pay Pay Pay Pay Traveler s Checks Free Pay Pay Free Pay Free Available on all above accounts: Unlimited check writing Free savings accounts for minors Free notary service 1 Charge waived with average balance of $10,000 or more in total deposits. 2 Charge waived on primary checking account with use of two additional qualified services. 3 No actual checks or check images provided with bank statement. 4 Charge waived with average monthly balance of $2,500 or more in total deposits. 5 Customer must qualify for the card. 6 Charge will be paid by a $1.00 debit per month from your account. 7 Limit of three free money orders per day, where applicable. Accounts closed within the first 90 days will be charged a $50 closing fee. Opening balance of $300 required on all accounts.

5 SPECIAL SERVICES INSTANT CASH Get cash 24 hours a day from over 50,000 terminals worldwide. All for one low $12 annualized fee. Fee will be paid by a $1.00 debit per month from your account. INSTANT CASH & CHECK CARD Use this free card anywhere you use VISA, without running up a big credit card bill. Purchases are made directly from your checking account. Doubles as a cash card. OVERDRAFT PROTECTION Transfer funds automatically from savings to checking to cover accidental overdrafts. $3 fee per transfer. Limit of six pre-authorized, automatic or telephone transfers per month. LOAN-O-MATIC Avoid high overdraft charges by adding overdraft protection to your checking account. Credit applications are available. MASTERCARD VISA No annual fee the first year! Fixed rate, variable rate, and no annual fee cards available. Ask for application. DIRECT DEPOSIT Regular payments, such as Social Security or payroll, are electronically deposited directly into your account. Eliminate the chance of lost or stolen checks and save a few trips to the bank. INFOLINE Transfer money between accounts or obtain information on account balances, current rates, recent deposits, year-to-date interest and more. Call on a touch-tone phone, day or night. No charge for the call! Edina 4700 W 77th St. #160 Edina, MN Mounds View Office 2711 NE Highway 10 Mounds View, MN Maplewood 1740 Rice St. Maplewood, MN Oakdale Office 1155 Hadley Ave. N Oakdale, MN Minneapolis 3033 University Ave. SE Minneapolis, MN St. Paul 663 University Ave. St. Paul, MN