Great Midwest Bank | Checking and Savings Account Rates

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Account Addendum/Schedule of Fees

Checking and Savings Rates
FDIC's Electronic Deposit Insurance Estimator - EDIE
Rates effective as of January 31, 2012

Checking Products	Minimum Balance	APY*
Totally Free Checking	$0 ($200 min. opening deposit)	n/a
NOW Account	$500	0.05%
Super Now	$0 to $2,499	0.05%
	$2,500 to $2,500+	0.10%
Insured Investment Account (Money Market)	$0 to $2,499	0.05%
	$2,500 to $24,999	0.15%
	$25,000 to $25,000+	0.40%

Savings Products	Minimum Balance	APY*
Platinum Savings	$0.00 to $49,999	0.15%
	$50,000 to $50,000+	0.40%
Premium Passbook & Statement Savings Plus	$0.00 to $24,999	0.15%
	$25,000 to $25,000+	0.30%
Premium Passbook & Statement Savings	$0.00 to $9,999	0.15%
	$10,000 to $10,000+	0.20%
Passbook & Statement Savings	$200	0.10%
Great Midwest Bank uses 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. Accrual of interest on noncash deposits begins to accrue no later than the first business day after deposit. For variable accounts (Insured Investment, Super Now, Now Account, Premium Passbook & Statement Savings, Premium Passbook & Statement Savings Plus, Passbook Savings, and Statement Savings Accounts), fees may reduce earnings and interest rates and annual percentage yield (APY) may change after the account is opened. NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS* All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs"). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.