o o on rate changes omore than each omore than
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BETTER BANKS5600 SW ADAMSBARTONVILLE, IL 61607(309) 697-2100
TRUTH IN SAVINGS DISCLOSURETerms following a [}g apply only if checked.Acct: ADVANTAGE CHECKINGAcct #:Date: _
o The interest rate and annual percentage yield stated beloware accurate as of the date printed above. If you would like morecurrent rate and yieldinformation please call us at _
This disclosure contains the rules which govern your depositaccount. Unless it would be inconsistent to do so, words andphrases used in this disclosure should be construed so that thesingular includes the plural and the plural includes the singular.
We reserve the right to at any time require not less than _days notice in writing before any withdrawal from an interestbearing account.
o FIXED RATEo The interest rate for your account is % with
an annual percentage yield of %. We will paythis rate _We will not decrease this rate unless we first give you atleast 30 days notice in writing.
o The interest rate and annual percentage yield for your
account depend upon the applicable rate tier. We will paythese rates _
We will not decrease these rates unless we first give you atleast 30 days notice in writing.
o VARIABLE RATEo The interest rate for your account is % with
an annual percentage yield of %. Your interestrate and annual percentage yield may change.
o The interest rate and annual percentage yield for youraccount depend upon the applicable rate tier. The interestrate and annual percentage yield for these tiers may change.
Determination of rateo At our discretion, we may change the interest rate onyour account.
o The interest rate for your account _
o The fixed initial rate is not determined by this rule.o The initial interest rate on your account _
Subsequent rates _
Truth in Savings DisclosureBankers Systems TUWolters Kluwer Financial Services Q 1992. 2011
Frequency of rate changeo We may change the interest rate on your account _
o Your initial interest rate will not change _
We may change the interest rate on your account at that timeand thereafter.
Limitations on rate changeso The interest rate for your account will not _by more than each _
o The interest rate will not be less than %or more than %.o The interest rate will not _
the interest rate initially disclosed to you.
Minimum Balance Requirements
[}g To open the account. You must deposit at least
$ 100. 00 to open this account.
IJi: To avoid imposition of fees.To avoid the imposition of the service fee you
must meet the following requirements:IJi:A service fee of $6_,_0_0 _will be imposed every statement cycleif the balance in the account falls below $ 100. 00any day of the _c'-y'--c_l_e _OA of $ _
will be imposed every _
if the average daily balance for the _______ falls below $ . Theaverage daily balance is calculated by adding the principal inthe account for each day of the period and dividing that figureby the number of days in the period.The period we use is _
To avoid the imposition of the youmust meet following requirements:o A of $ _
will be imposed for _transaction (withdrawal, check paid, automatic transfer orpayment out of your account) if the balance in the account
falls below $ any day of the _
o A of $ _
will be imposed for _
transaction (withdrawal, check paid, automatic transfer or
payment out of your account) if the average daily balance forthe falls below
TSD 7/15/2011
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$ . The average daily balance is calculatedby adding the principal in the account for each day of theperiod and dividing that figure by the number of days in theperiod.The period we use is _
o To obtain the annual percentage yield disclosed.
o You must maintain a minimum balance of$ in the account each day to obtainthe disclosed annual percentage yield.
o You must maintain a minimum average daily balance of$ to obtain the disclosed annualpercentage yield. The average daily balance is calculated byadding the principal in the account for each day of the periodand dividing that figure by the number of days in the period.
The period we use is _
Compounding and Creditingo Frequency - Interest becompounded _
Interest will be _
o Effect of closing an account - If you close your accountbefore interest is credited, you _receive the accrued interest.
Balance Computation Methodo Daily Balance Method. We use the daily balance method tocalculate the interest on your account. This method applies adaily periodic rate to the principal in the account each day.
o A verage Daily Balance Method. We use the average dailybalance method to calculate interest on your account. Thismethod applies a periodic rate to the average daily balance in theaccount for the period. The average daily balance is calculatedby adding the principal in the account for each day of the periodand dividing that figure by the number of days in the period.
The period we use is _
Accrual of interest on noncash depositso Interest begins to accrue no later than the business day wereceive credit for the deposit of noncash items (for example,checks).
o Interest begins to accrue _
you deposit noncash items (for example, checks).
Bonuseso You will _
as a bonus _
o You must maintain a minimum _____________ of $ _to obtain the bonus.
o To earn the bonus, _
Truth in Savings DisclosureBankers Systems TNWolters Kluwer Financial Services Cl 1992.2011
Transaction Limitations
o The minimum amount you may deposit is
$---------o The minimum amount you may withdraw is
$---------o During any _
you may not make more than _
withdrawals or transfers to another account of yours or to a
third party by means of a preauthorized or automatic transfer or
telephone order or instruction, computer transfer, or by check,
draft, debit card or similar order to a third party.0 _
o You may only make deposits into your account eachstatement cycle.
o You may only make ATM _your account each statement cycle.
o You may only make preauthorized transfers
____ your account each statement cycle.
Additional TermsThere is no service charge or minimumbalance requirement with payrolldirect deposit.
TSO 7/15/2011
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