MAXsavers

• 1.51% APY* from MAXimum Free Checking automatically deposited into MAXsavers
• Nationwide ATM fee refunds** automatically deposited into MAXsavers
• 0.50% APY* interest on MAXSavers balances of $.01 - $50,000
• 0.25% APY* interest on MAXSavers balances over $50,000
• Automatic Savings each month
• Free 24-Hour Mobile Banking
• Free Online Banking
• Free Bill Pay
• Free Image Statement
• Free Direct Deposit/Automatic Drafts

• Qualifications:

• To receive the benefits of both accounts, just meet these 3 simple qualifications for MAXimum Free Checking during each monthly qualification cycle:
• Have at least 10 debit card purchases post and clear
• Access Online Banking
• Receive e-Statements

Disclaimer:

ONLINE ACCOUNTS AVAILABLE TO MISSOURI, ARKANSAS, KENTUCKY, TENNESSEE, AND SOME ILLINOIS RESIDENTS ONLY.

Minimum to open MAXimum Free Checking account is $100 and $100 for MAXsavers. MAXimum Free Checking rate tiers are as follows: 1.51% APY applies to balances of $.01 - $25,000 and 0.51% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 1.51% APY - 0.51% APY if qualifications are met. The Annual Percentage Yield (APY) disclosed on the MAXimum Free Checking accounts assumes that interest earned in the MAXimum Free Checking account compounds. However, by choosing to have the MAXsavers linked to MAXimum Free Checking, you understand that the interest earned in your MAXimum Free Checking account is automatically transferred into your MAXsavers account at the end of the statement cycle and therefore does not remain in your MAXimum Free Checking account and does not compound. Additionally, you understand that the interest amount earned in the MAXsavers account may be less than the interest amount earned in the MAXimum Free Checking account. The interest from the MAXimum Free Checking account transfers to the MAXsavers account, whether the qualifications are met or not. Interest is credited on the first business day of the following earnings period. Accrual of interest on non-cash deposits – Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will forfeit the interest.

Qualifying transactions must post and clear to the MAXimum Free Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. MAXsavers rate tiers are as follows: 0.50% APY applies to balances of $.01 - $50,000 and 0.25% APY applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the MAXimum Free Checking account. 0.10% APY applies to all balances if qualifications are not met on the MAXimum Free Checking. All balances will earn 0.50% APY - 0.25% APY if qualifications are met on the MAXimum Free Checking.

*Annual Percentage Yield (APY) accurate as of December 13, 2012. Rates may change after the account is opened. Fees may reduce earnings. **ATM Fee reimbursements (MAXimum Free Checking account only) up to $25 provided only if qualifications are met within the monthly qualification cycle.