• Consumer Account Disclosures
• Commercial Account Disclosures
• Fee Schedule

TERMS AND CONDITIONS OF YOUR DEPOSIT ACCOUNT

Welcome to Bank of Shorewood! This agreement is provided to you to explain the rules applying to your account(s). We are also bound by these rules. If there is a conflict between this agreement and something said by one of our employees we will follow the agreement. You agree to this method of settling differences. As used in this agreement, the word "we" means the Bank and the word "you" means the account holder(s) and anyone else with the authority to deposit, withdraw or exercise control over the funds in the account.

LIABILITY

You agree to be bound by this agreement and the service charges listed below. Charges can be deducted from the account balance. Services requested but not listed in this agreement will also be charged to and paid for by you. You will be held jointly and severally liable for account deficits and any charges caused by overdrafts to the account, in addition to any costs incurred by us to collect the deficit, including, to the extent permitted by law, reasonable attorney's fees.

LAW AND REGULATION

Applicable federal and Illinois laws and regulations govern your account(s). The rules and regulations are subject to the Uniform Commercial Code, and any agreement entered into by the Bank with other associations which prescribe clearing house and settlement procedures for items processed by the Bank.

DEPOSITS

The Bank may refuse to accept any item for deposit including those items that are not properly endorsed or otherwise unacceptable to us. Any noncash items deposited to your account (including items drawn "on us") will be given provisional credit only until final collection of the item. All transactions received after our daily cut off time on a business day or on a day we are not open for business, will be considered deposited on our next business day. We are not responsible for transactions initiated by mail or night depository until they are actually recorded.

WITHDRAWALS

Any account holder, as evidenced by a signature on the signature card, may withdraw or transfer funds from the account on forms provided by the Bank. Written notice is required to change any authorized signers on the account. The Bank may refuse to pay any withdrawal request against uncollected funds. We reserve the right to refuse any withdrawal or transfer request, which does not follow the rules applying to the account type. Repeated abuses of the transfer request and any limitations will allow us to close the account. On any interest bearing account, except Certificates of Deposit, we reserve the right to require at least seven days notice before a withdrawal or transfer would be processed.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION

These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. Individual account - is an account in the name of one person. Joint account with Survivorship -(and NOT as Tenants in Common) - is an account in the name of two or more person. Each of you intends that upon your death the balance in the account (subject to any previous pledge to which we have consented) will belong to the survivor(s). If two or more of you survive, you will own the balance of the account as joint tenants with survivorship and not as tenants in common. Corporate, Partnership, Sole Proprietorship and Other Organizational Accounts - will usually request a separate authorization form designating the person permitted and conditions required for withdrawal from any account in the name of a legal entity such as a partnership, corporation, or other organization. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization. Revocable Trust of Pay-On-Death Account - Pay-On-Death accounts may be created only if one person owns the account. Revocable Trust accounts may be created by accounts with one or more owners. If two or more of you create a Revocable Trust account, you own the account jointly with survivorship. Beneficiaries of either of these two account types cannot withdraw unless: 1) all persons creating the account die and 2) the beneficiary is then living. If two of more beneficiaries are named and all survive the death of the owner(s) of the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either a Pay-On-Death or Revocable Trust account reserve the right to: 1) change beneficiaries, 2) change account types and 3) withdraw all or part of the account funds at any time.

STOP PAYMENTS

If you do not want us to pay a check drawn on your account, you may issue a stop payment order directing us to not pay the check. The order must be received in time to give us reasonable opportunity to act on it. The stop payment order must identify the account number, date, amount, the check number, and the name of payee. You must confirm an oral stop payment order in writing within 14 calendar days or we may not continue to honor the order. You may also cancel the order at any time by making the request in writing. The person initiating the order can only make the cancellation. The Bank will accept a Stop Payment order from any Joint Account holder regardless of who signed the check. The order is valid for no more than six months. If a longer period is requested you must issue a new order after the six month initial period.

TELEPHONE TRANSFERS

Telephone transfers of funds from one account to another account are subject to the same restrictions as written withdrawals. If your account is a savings account or money market account, no more than six (6) transfers and/or withdrawals per month may be to another of your accounts (minus the number of preauthorized or automatic transfers during the month). No more than three (3) of the six (6) transfers may be made by check, draft, debit card, or similar order made by you and payable to third parties. Other restrictions on account transfers are described elsewhere in this Agreement.

AMENDMENTS

The Bank may amend this Agreement at any time without prior notice if a change is favorable to you. If any change is adverse to you, we will send you a written notice at least 30 calendar days in advance of the effective date of the change. On Joint Accounts, any notices to one person apply to all account holders. Written notice is deemed given to you when sent to you (or any one of joint owners) at the last address shown on the records of the Bank. You agree to give the Bank prompt notice of any change in address.

STATEMENTS

You must examine your statements and items with reasonable promptness after we send them or make them available to you. If you find a unauthorized signature or alteration, you must notify us promptly and in any event not later than 60 days from when we send or make your statement and items available to you. Failure to do so within the allotted time frame may limit your ability to recover any losses. If you do not satisfy these requirements then:

1. you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure and
2. you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses, but before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with unauthorized signatures or alteration, unless you do not notify us of the problem within 60 days of when we send or make available to you the statement and items. You must report any other problems within this 60 day period or lose your right to assert the problem against us and the loss will entirely be yours.

ACCOUNT TRANSFER

Your account(s) may not be transferred or assigned without the Bank’s prior written consent.

DIRECT DEPOSITS

If in connection with a direct deposit plan, we deposit any amount in your account which should have been returned to the Federal government or any other party for any reason, you authorize us to deduct the amount of our loss from this account or from any other account you have with us, without prior notice except as prohibited By law. You also authorize us to use any other legal remedy to recover our loss.

SETOFF

If you owe the Bank money, we may (without prior notice and when permitted by law) setoff funds from any account in which you have an interest to pay the debt. The Bank may charge or setoff the entire amount of all debts, fees, (including reasonable attorney fees which may include the cost of any attorney employed by us) cost or expenses owed to us by you against all of the funds in any account in which you have an interest. This right of setoff does not apply to this account if: I) it is an Individual Retirement Account or other tax-deferred retirement account, 2) the debt is created by a consumer credit transaction under a credit card plan, or 3) the debtor’s right of withdrawal arises only in a representative capacity. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

AUTHORIZED SIGNERS

On an individual account you may give the right to make deposits and withdrawals to other individuals, This does not imply that they have an ownership interest in the account. An authorized signer would be liable for any overdrafts they might cause. We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. FACSIMILE SIGNATURE - If you wish us to honor a facsimile signature, you must notify us in writing. If you do not, we may not honor such a signature and in either case, we assume no liability when a facsimile signature is issued.

RESTRICTIVE LEGENDS

We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are “must be presented within 90 days” or "not valid for more than $500.00.”

POST-DATED AND STALE-DATED CHECKS

The Bank will not be liable for prematurely honoring any post-dated check or honoring an old check. A check is deemed to be old if it is presented more than six months after the date written on it. If you do not want us to pay either type of check you must institute a stop payment order with us.

UNCLAIMED PROPERTY

Illinois law establishes procedures under which unclaimed property must be surrendered to the state. Generally, the funds in your account are considered unclaimed if you have not had any activity or communication with us regarding your account over a period of years. If your funds are surrendered to the state, you may be able to reclaim them, but your claim must be presented to the state. Once your funds are surrendered, we no longer have any liability or responsibility with respect to the funds.

ABANDONMENT

Illinois law requires us to remit any abandoned property to the state and the law presumes an account is abandoned unless there is a transaction or certain other activity within five years. Special rules apply to Certificates of Deposit. Posting to your account is a transaction, but the posting of interest on the Bank’s computer is not a transaction in regards to this law. If you don’t respond to mail sent to the address on our records, your account may be considered abandoned.

DORMANCY

The Bank considers a checking account or money market account dormant if you have not deposited or withdrawn funds for six months. Savings accounts without a deposit or withdrawal for one year are considered dormant.

UTMA ACCOUNTS

Under the Uniform Transfer to Minors Act the child owns the funds in the account. The child has unconditional use of the account when he or she reaches the age of majority. Before that time, the account may be accessed only by the custodian (or successor custodian), and the funds must be used for the benefit of the child. We, however, have no duty or agreement whatsoever to monitor or insure that the acts of the custodian (or successor custodian) are for the child’s benefit. For this type of account, the child’s social security number/tax payer identification number is used for the Backup Withholding Certification.

INDEMNITY

If you ask us to follow instructions that we believe might expose us to claims, suits, losses, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require a bond or other protections. An example of the kind of protection asked for would be your promise to protect us against any claims (an indemnity).

ACCOUNT TERMINATION

We may terminate your account(s) upon reasonable notice to you and tender the account balance personally or by mail. We may also require you to close your account and open a new account if: 1) there is a change in authorized signers, 2) there has been a forgery or fraud committed involving your account, 3) any account checks are lost or stolen, 4) you have too many transfers from your account, or 5) any other provision is violated, and we may charge your account a bank initiated account closure fee. You may terminate your account by notifying us in writing. We are not responsible for payment of any check withdrawal, or other item once your account is terminated.

TAXPAYER IDENTIFICATION NUMBER

When you open an account you certify under penalty of perjury that you have given us the proper tax identification number (social security number) for the primary owner of the account. If we do not receive the correct number or you fail to report your interest income to the Internal Revenue Service (IRS) on your tax return, we may be instructed by the IRS to withhold a percentage of your interest income as required by IRS code. Each year we will send you a statement reflecting the interest earned during that year so you can properly report it.

CANCELLED CHECK OPTIONS FOR TRANSACTION ACCOUNTS

If you have a transaction account, you will either receive a reduced-sized image of the front of each cancelled check (“Imaged Check”) with your monthly statement or you will receive a detailed listing of each check paid on your monthly statement. You will not ordinarily receive cancelled checks paid with your statement. If you choose to receive your cancelled checks paid during a statement cycle with your statement there is an additional monthly charge of $6.00 for this service. At our discretion, we may send a cancelled check in place of, or in addition to your Imaged Check at no charge. If, for any reason, we fail to send a cancelled check or Imaged Check, we will send, upon request, a copy of the cancelled check at no charge to you. If you receive Image Checks for your transaction account, the cancelled checks will be destroyed after they have been paid. A copy of both front and back of cancelled checks will be retained for seven years following the relevant statement cycle. You may obtain a copy of the front and back of any such check. We will charge a $1.00 fee for each copy, except if: 1) you have Imaged Check and we failed to proved you with Imaged Check page(s) or 2) you require a copy for proof of payment. By choosing Imaged Check, you agree that your cancelled checks may be destroyed. You also agree to hold us harmless from any loss that you may suffer because of any claim against you that requires an original check to defend such claim.

CHECK CASHING

We may refuse to cash a check drawn on your account if you have insufficient funds in your account to cover the amount of the check. At our discretion, we may refuse to cash a check drawn on your account if it is presented at the teller window by a person who is not our customer. You agree to waive any claim that you may have against us if we refuse to honor a check under these circumstances. You also agree to indemnify us and hold us harmless for any losses, costs, damages, expenses, and liabilities, including reasonable attorneys’ fees that we may incur in connection with any claim or action resulting from our refusal to cash a check for a non-customer.

ELECTRONIC FUND TRANSFERS: YOUR RIGHTS AND RESPONSIBILITIES

The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

Preauthorized Credits - You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account(s).

Preauthorized Withdrawals - You may make arrangements to pay certain recurring bills from your checking, savings, or money market account(s).

Direct Line Telephone Transfers - You may access your account(s) by telephone by calling (888) 505-6909, 24 hours a day, using your social security number, your personal identification number (PIN), a touch-tone phone, and your account numbers, to:

• Transfer funds from your checking, savings or money market account(s) to another of your checking, savings or money market account(s).
• Get information about:
  • The account balance of your checking, savings or money market account(s).
  • Deposits and withdrawals on your checking, savings, or money market account(s).

ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card or Visa® Debit Card and personal identification number (PIN) to:

• Make deposits to your checking or savings account(s).
  • There is a charge of $1 per deposit at ATMs we do not own or operate.
• Make cash withdrawals from your checking or savings account(s).
  • You may withdraw no more than $500 per day.
  • There is a charge of $1 per deposit at ATMs we do not own or operate.
• Transfer funds from your checking or savings account(s) to another of your checking or savings account(s).
  • There is a charge of $1 per deposit at ATMs we do not own or operate.

*The first four transactions per month at ATMs we do not operate in the STAR® Network are at NO CHARGE. An additional fee may be charged by the financial institution (other than Bank of Shorewood), which owns and operates an ATM.

Some of these services may not be available at all terminals.

Types of ATM Point-of-Sale Transactions - You may access your checking account to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits.

Point-of-Sale Transactions - dollar limitations - Using your ATM card:

• You may not exceed $1,000 in Point-of-Sale Transactions per day.

Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account to purchase goods (in person or by phone), pay for services (in person or by phone), and get cash from a merchant, if the merchant permits, or from a participating financial institution and do anything you can do with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transactions - dollar limitations - Using your Visa® Debit card:

• You may not exceed the lesser of your available checking account balance or $1,000 in transactions per day.

Foreign Transactions - Purchases and cash withdrawals made in foreign countries and foreign currencies will be charged to your account in US dollars. The conversion will be made in accordance with applicable operating regulations as conversion rates for international transactions, and the conversion rate may not be the same on the transaction date.

SPECIAL RULES FOR VISA® CHECK CARD TRANSACTIONS

• Hold on Funds - Each Visa® Debit Card transaction will allow us to place a hold on a corre sponding amount of funds in your checking account until that transaction is posted against your account. You agree not to withdraw or write checks against funds that are needed to pay Visa® Debit Card transactions that have not yet posted against your account. If a Visa® Debit Card transaction causes an overdraft to your checking account, you agree to immediately pay any overdraft plus any associated overdraft charges as set forth in the Service and Fee Schedule listed in the Deposit Account Agreement. You will be liable even if we authorize a transaction at a time when you did not have sufficient available funds in your checking account to cover the transaction.
• Refusal of Transactions - We reserve the right to retum any Visa® Debit Card transaction that does not contain an authorization code. We will not be liable for any damages resulting from a failure or refusal for any reason to authorize a Visa® Debit Card transaction that you have attempted. Further, we will not be responsible or liable for a participating merchant’s refusal to accept your Visa® Debit Card.
• Stop Payments - Stop payments are not permitted on any purchases or cash withdrawals originated by use of a Visa® Debit Card. For this reason, you should inquire about a merchant’s return or refund policy before entering into a Visa® Debit Card transaction.
• Refund on Purchases - Cash refunds will not be made to you on purchases made with your Visa® Debit Card. Refunds of merchandise purchased using your Visa® Debit Card will be reflected as a credit on your account statement. Unless your use of the Visa® Debit Card results in an extension of credit, any claim or defense with respect to property or services purchased with the Visa® Debit Card must be handled by you directly with the merchant or other business establishment which accepted the Visa® Debit Card and any such claim or defense which you assert will not relieve you of your obligation to pay the total amount of the sales draft plus any appropriate charges we may be authorized to make.

CHARGES FOR ELECTRONIC FUNDS TRANSFERS

• We will charge you $10.00 to replace a lost ATM or Visa® Debit Card.
• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized withdrawals from any type of account.
• Except as indicated elsewhere, we do not charge for electronic fund transfers.

RIGHT TO DOCUMENTATION

• Terminal Transfers - You can get a receipt at the time you make any transfer to or from your account using one of our ATMs or point-of-sale terminals.
• Preauthorized Credits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (815) 744-4620 to find out whether or not the deposit has been made.
• Periodic Statements - You will get a monthly account statement from us for your checking or money market account(s). You will get a statement for your savings account quarterly.

STOP -PAYMENT PROCEDURES AND NOTICE OF VARYING AMOUNTS

Right to Stop Payment and Procedure for Doing So - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

• Call or write us at the telephone number or address listed in this brochure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
• We will charge you $25.00 for each stop payment order you give. The charge for stopping payment on a group of 3 or more checks will be $40.00.

Notice of Varying Amounts - If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than previous payment or when the amount would fall outside certain limits that you set.)

Liability for Failure to Stop Payment of Preauthorized Transfer - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

OUR LIABILITY

Liability for Failure to Make Transfers - If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT BE liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If the transfer would go over the credit limit on your over-draft line.
3. If the ATM where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about a breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken.
6. There may be other exceptions stated in our agreement with you.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

We will disclose information to third parties about your account or the transfers you make:

1. where it is necessary for completing transfers; or
2. in order to verify the existence of your account for a third party, such as a credit bureau;
3. in order to comply with government agency or court orders; or
4. in order to advise third parties of accounts closed for misuse; or
5. if you give us written permission.

UNAUTHORIZED TRANSFERS

Consumer Liability - Tell us AT ONCE if you believe either your ATM card or Visa® Debit Card and/or personal identification number (PIN) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your checking account (plus your maximum overdraft line of credit.) If you tell us within two business days, you can lose no more than $50 if someone used your card without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your ATM card or Visa® Debit Card and/or personal identification number (PIN), and we can prove we could have stopped someone from using your ATM card of Visa® Debit Card and/or personal identification number (PIN) without your permission if you had told us, you can lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you do not tell us within 60 days after the statement was mailed to you, you may not get back money lost after the 60 days and before notice to the Bank.

Additional Limits on Liabuity for Visa® Debit Card when used for point-of-sale transactions. So long as your account is in good standing, you have exercised reasonable care in safeguarding your Visa® Debit Card and you have not reported two or more events of unauthorized use in the past twelve months, you will get the benefit of Zero Liability in the event of the unauthorized use of your Visa® Debit Card. Zero Liability does not apply to cards issued to a business or PIN- based transactions not processed by Visa.

Contact in Event of Unauthorized Transfer - If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed below.

ERROR RESOLUTION

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared in order to limit your liability for losses.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer or a new account open less than 30 calendar days) to investigate your complaint or question. If we decide to do this we will provisionally re-credit your account (subject to re-debiting if our investigation determines no error occurred) within 10 business days for the amount you think is in error, so that you will have the use of money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it with in 10 business days, we may not re-credit your account. If we decide to grant provisional credit to your account, the Bank will notify you of the availability of re-credited funds within two (2) business days.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. If we re-credited your account and must debit it because no error occurred, we will honor checks and drafts payable to third parties and preauthorized transfers from the account of the provisionally re-credited funds for five business days after the transmittal of the notice. You may ask for copies of the documents that we used in our investigation.

Bank of Shorewood
700 West Jefferson
Shorewood, Illinois 60404

PHONE: (815) 744-4620
Business Days: Monday through Friday

TO REPORT A LOST OR STOLEN ATM CARD OR VISA® DEBIT CARD 24 HOURS A DAY 7 DAYS A WEEK CALL 1-888-505-6909

Your Ability to Withdraw Funds from Transactional Accounts

Our policy is to make funds from your cash and check deposits into a transaction account available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 pm on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the eighth business day after the day of your deposit.

• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time according to the Disclosure you will receive.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: You must deposit $100.00 to open this account.
• Minimum Balance to avoid imposition of fees: No minimum balance is required
• Minimum Balance to obtain the annual percentage yield disclosed: No minimum balance is required.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).

• Minimum deposit to open the account: You must deposit $100.00 to open this account.
• Minimum balance to avoid imposition of fees: No minimum balance is required.
• Monthly account service charge: $6.50

• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: You must deposit $300.00 to open this account.
• Minimum Balance to avoid imposition of fees: A monthly maintenance fee of $6.50 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle or if an average daily balance of $750.00 is not maintained.
• Minimum Balance to obtain the annual percentage yield disclosed: You must maintain a minimum daily balance of $300.00 or an average daily balance of $750.00 to obtain the disclosed annual percentage yield. Interest will not be earned on those days the account balance falls below the minimum.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).

• NOTE: At least one of the account holders must have attained the age of 55 to open this account and a $1,000.00 balance must be maintained in this account or in a separate savings, certificate of deposit, money market, or other checking account with Bank of Shorewood.
• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: There is no minimum deposit required to open this account.
• Minimum Balance to avoid imposition of fees: A monthly maintenance fee of $5.00 will be imposed every statement cycle unless a $1,000.00 balance is maintained in this account or in a separate savings, certificate of deposit, money market, or other checking account with Bank of Shorewood.
• Minimum Balance to obtain the annual percentage yield disclosed: No minimum balance is required.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).

• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: You must deposit $500.00 to open this account.
• Minimum Balance to avoid imposition of fees: A monthly maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $500.00.
• Minimum Balance to obtain the annual percentage yield disclosed: You must maintain a minimum daily balance of $500.00 to obtain the disclosed annual percentage yield. Interest will not be earned on those days the account balance falls below the minimum.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle. An unlimited number of withdrawals may be made in person at a Bank of Shorewood branch or at an ATM.
• Fees: A per check fee of $15.00 will be charged for each excessive preauthorized, automatic, and/or telephone transfer when the sum of the transfers and checks paid exceeds six during a statement cycle. Further, we may return your checks or automatic debits unpaid, in addition to collecting the $15.00 fee for each excess item. We are also required by law to convert an account with excessive transaction activity to a non-interest bearing account, with loss of interest for the current period, or close the account.

• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: You must deposit $10,000.00 to open this account.
• Minimum Balance to avoid imposition of fees: A monthly maintenance fee of $25.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00.
• Minimum Balance to obtain the annual percentage yield disclosed: You must maintain a minimum daily balance of $10,000.00 to obtain the disclosed annual percentage yield. Interest will not be earned on those days the account balance falls below the minimum.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle. An unlimited number of withdrawals may be made in person at a Bank of Shorewood branch or at an ATM.
• Fees: A per check fee of $15.00 will be charged for each excessive preauthorized, automatic, and/or telephone transfer when the sum of the transfers and checks paid exceeds six during a statement cycle. Further, we may return your checks or automatic debits unpaid, in addition to collecting the $15.00 fee for each excess item. We are also required by law to convert an account with excessive transaction activity to a non-interest bearing account, with loss of interest for the current period, or close the account.

• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: You must deposit $200.00 to open this account.
• Minimum Balance to avoid imposition of fees: A quarterly maintenance fee of $6.00 will be imposed every quarter if the balance in the account falls below $200.00 on any day of the quarter or if an average quarterly balance of $1,000.00 is not maintained.
• Minimum Balance to obtain the annual percentage yield disclosed: No minimum balance is required.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: Transfers from a Statement Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
• Fees: A per item fee of $1.00 will be charged for each withdrawal in excess of six per month. A per transaction fee of $15.00 will be charged for each excessive preauthorized, automatic, and/or telephone transfer in excess of 6 during a month.

• NOTE: Upon the account holder reaching the age of 18, this account will be reclassified as a Statement Savings Account and be subject to those minimum balance and transactoin requirements.
• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. Interest will be credited to your account every month.
• Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum Deposit to open the account: You must deposit $1.00 to open this account.
• Minimum Balance to avoid imposition of fees: No minimum balance is required.
• Minimum Balance to obtain the annual percentage yield disclosed: No minimum balance is required.
• Daily Balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: Transfers from a Statement Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
• Fees: A per item fee of $1.00 will be charged for each withdrawal in excess of six per month. A per transaction fee of $15.00 will be charged for each excessive preauthorized, automatic, and/or telephone transfer in excess of 6 during a month.

• Rate Information: Ask a Personal Banker for current interest rate and annual percentage yield. You will be paid the rate of interest until maturity.
• Compounding Frequency: Interest will be compounded monthly.
• Crediting Frequency: Interest will be credited to your account according to the terms in your certificate of deposit document.
• Minimum deposit to open the account: You must deposit $1,000.00 to open this account.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computatation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: You may not make any deposit into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest credited to your account at any time during the term of the deposit after it is credited to your account.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity): The penalty we may impose is the greater of:
  • 7 days interest, on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit, or
  • All interest on the amount withdrawn subject to penalty. There are certain circumstances such as death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
• Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. If you prevent renewal, interest will not accrue after maturity.
  Each renewable term will be the same we offer on new time deposits, on the maturity date, which have the same term, minimum balance (if any) and other features as the original time deposit.
• You will have ten calendar days after maturity to withdraw the funds without a penalty.

• Rate Information: Ask a Banker for current interest rate and annual percentage yield. You will be paid the rate of interest until maturity.
• Compounding Frequency: Interest will be compounded monthly.
• Crediting Frequency: Interest will be credited to your account according to the terms in your certificate of deposit document.
• Minimum deposit to open the account: You must deposit $1,000.00 to open this account.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computatation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: You may not make any deposit into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest credited to your account at any time during the term of the deposit after it is credited to your account.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity): The penalty we may impose is 90 days interest for withdrawals before maturity.
• Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. If you prevent renewal, interest will not accrue after maturity.
  Each renewable term will be the same we offer on new time deposits, on the maturity date, which have the same term, minimum balance (if any) and other features as the original time deposit.
• You will have ten calendar days after maturity to withdraw the funds without a penalty.

• Rate Information: Ask a Banker for current interest rate and annual percentage yield. You will be paid the rate of interest until maturity.
• Compounding Frequency: Interest will be compounded monthly.
• Crediting Frequency: Interest will be credited to your account according to the terms in your certificate of deposit document.
• Minimum deposit to open the account: You must deposit $1,000.00 to open this account.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computatation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: You may not make any deposit into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest credited to your account at any time during the term of the deposit after it is credited to your account.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity): The penalty we may impose is 180 days interest for withdrawals before maturity.
• Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. If you prevent renewal, interest will not accrue after maturity.
  Each renewable term will be the same we offer on new time deposits, on the maturity date, which have the same term, minimum balance (if any) and other features as the original time deposit.
• You will have ten calendar days after maturity to withdraw the funds without a penalty.