SIMPLICITY CHECKING ACCOUNT AGREEMENT & DISCLOSURE

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1 SIMPLICITY CHECKING ACCOUNT This is a non-interest bearing account. You must deposit $50.00 to open this account. Electronic Statements are provided at no charge on this account. A $3.00 monthly fee will be charged for paper account statements. All credit transactions are processed first. Debits or withdrawals will be processed as follows: ATM withdrawals, debit card purchases, inperson We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. ELIGIBILITY REQUIREMENTS This account is available to those who are age 50 or better Simplicity Checking Account

2 INTEREST CHECKING ACCOUNT If your daily balance is equal to or greater than $1,500.00, the interest rate paid on the entire balance in your account will be 0.03% with an annual percentage yield of 0.03%. Daily balances over $5, will be paid a rate of 0.07%. If your daily balance is below $1,500.00, no interest will be earned. Your interest rate and annual percentage yield may change. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. You must deposit $50.00 to open this account. A monthly fee of $6.00 will be imposed if the balance in the account falls below $1, any day of the month. Electronic Statements are provided at no charge on this account. A $3.00 monthly fee will be charged for paper account statements. All credit transactions are processed first. Debits or withdrawals will be processed as follows: ATM withdrawals, debit card purchases, in-person We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. Interest Checking

3 GREEN CHECKING ACCOUNT If your daily balance is equal to or greater than $1,500.00, the interest rate paid on the entire balance in your account will be 0.03% with an annual percentage yield of 0.03%. If your daily balance is below $1,500.00, no interest will be earned. Your interest rate and annual percentage yield may change. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. You must deposit $50.00 to open this account. This account has no monthly minimum balance requirement. This account requires an Electronic Statement. All credit transactions are processed first. Debits or withdrawals will be processed as follows: ATM withdrawals, debit card purchases, in-person We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. Green Checking Account

4 VALUE CHECKING ACCOUNT If your daily balance is equal to or greater than $1,500.00, the interest rate paid on the entire balance in your account will be 0.03% with an annual percentage yield of 0.03%. If your daily balance is below $1,500.00, no interest will be earned. Your interest rate and annual percentage yield may change. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. You must deposit $50.00 to open this account. There are no monthly minimum balance requirements on this account. ACCOUNT SERVICE CHARGE This account will be charged a monthly service fee of $6.00. Electronic Statements and paper statements are provided at no charge on this account. All credit transactions are processed first. Debits or withdrawals will be processed as follows: ATM withdrawals, debit card purchases, in-person We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. Midland National Bank Checking Account Disclosure Page 1 of 1 Value Checking

5 TOTALLY FREE BUSINESS CHECKING ACCOUNT You must deposit $50.00 to open this account. A dormant account fee of will be charged after 12 months of inactivity for an account with a balance less than $100. All credit transactions are processed first. Debits or withdrawals will be processed as follows: ATM withdrawals, debit card purchases, in-person withdrawals, withdrawals by other electronic means, and then checks in check number order. An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. 1,000 FREE monthly transaction items; each item over 1,000 $0.25 $10,000 coin/currency deposited per month FREE; over $10,000 per $1,000 $1.50 Totally Free Business Checking

6 BUSINESS INTEREST CHECKING ACCOUNT The interest rate on your account is 0.03%, with an annual percentage yield (APY) of 0.03%. Your interest rate and annual percentage yield may change. Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. You must deposit $50.00 to open this account. A minimum balance fee of $6.00 will be imposed every month if the balance in the account falls below $1, any day of the month. All credit transactions are processed first. Debits or withdrawals will be processed as follows: ATM withdrawals, debit card purchases, in-person We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. 1,000 FREE monthly transaction items; each item over 1,000 $0.25 $10,000 coin/currency deposited per month FREE; over $10,000 per $1,000 $1.50 Business Interest Checking

7 COMMERCIAL CHECKING ACCOUNT You must deposit $50.00 to open this account. A dormant account fee of will be charged after 12 months of inactivity for an account with a balance less than $ An overdraft fee of $29.00 will be charged per item for covering overdrafts created by ATM withdrawals, everyday debit card purchases, in person withdrawals, withdrawals by other means or by check. Items will be paid from the account in the order listed above. Transaction items each (debit or credit) $0.12 Monthly service charge $15.00 Coin and currency deposits (per $1,000) $0.50 Commercial Checking