Minimum Balance to Open the Account: You must deposit $50.00 to open this account.

Minimum Balance to Avoid Imposition of Fees: A monthly service charge fee of $10.00 will be imposed every statement cycle unless you maintain either an average daily (ledger) balance of $795.00 or a minimum daily balance of $495.00. The average daily balance is calculated by adding the principal in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

Transaction Limitations and Fees: A deposited items fee of $0.25 will be charged for each item deposited in excess of 20 during a statement cycle.

A checks posted fee of $0.35 will be charged for each check in excess of 50 during a statement cycle. ATM transactions, automatic transfers, CheckCard transactions and payments out of this account are unlimited.

A monthly VISA CheckCard fee will be charged each statement cycle. (VISA CheckCard subject to credit approval-card optional.)

This account receives 5 free non-Bank of Kansas ATM withdrawals and deposits per statement cycle.

For other CheckCard convenience fees, please see your current Schedule of Fees & Charges.

Bank of Kansas
SCHEDULE OF FEES AND CHARGES
Effective November 1, 2008

[Non-customer fees in brackets]
Other PERSONAL Services:
Account cautions		$25.00 each
Cashier's checks fee		$4.00 [$8.50]
Chargeback fee (returned deposited items)		$3.75 each
	Check rerun fee	$2.00
Check Image Fee (for certain accounts)		$5.50
Collection item fee (incoming/outgoing)		$15.50
Copies: Microfilm & Photo copies		$1.00
Dormant Account Fee (per month)*		$10.00
ExpressLine 24 account info		FREE
ExpressLine 24 transfer		FREE
Faxes Medallion Signature Guarantee		$1.00 FREE [$75.00]
Money order fee		$3.00 [$6.00]
Notary		FREE [$5.00]
Overdraft fees:
	Paid NSF/OD fee**	$27.50
	Returned NSF/OD fee**	$27.50
	Per day fee (Charged each business day an overdraft exists. Five free days per statement cycle.)	$3.25
	OD transfer fee (personal accts. only)	$5.00
Reconciliation fee		$27.00 / hour ($27.00 min.)
Rejected item fee (60 day bank notice)		$1.00
Research fee (hourly on acct.)		$25.00 / hour ($25.00 min.)
Statement fees:
	Duplicate statement fee	$5.50
	Monthly mailed periodic statement (Direct Checking)	$5.50
	Request statement fee (special cutoff)	$5.50
	Reset statement fee	$5.50
Stop payment fee		$27.50
Stop payment fee online		$19.00
Temporary checks		3 for $1.00
Visa Travel Money Card ($250 min. balance)		$12.00 per card
	Additional Cards (same account #)	$2.00 each
	Reloads (same card - Max. 3 times)	$3.95
Visa Gift Card ($25 min. balance)		$8.00 per card
Wire transfers:
	Incoming wire fee	$10.00 each
	Outgoing wire fee (plus International wire fee if applicable)	$14.00 each
OTHER DISCLOSURES
* Insufficient funds and/or overdraft fees may be triggered by overdrafts created by check, in person withdrawal, ATM withdrawal, POS or other electronic means. ** Charged if for six months you have made no deposits or withdrawals to the account and have not communicated with us in writing to sufficiently establish interest in the account.
DIRECT BANKER® ONLINE BANKING SERVICES: PERSONAL DirectBanker
Online Banking		FREE
Internet Charges (Bill Payer Monthly Fee)		$3.00 - Limit 6 $0.50 each therafter
Online Image Checks (via DirectBanker)		FREE
ATM & Visa CheckCard fees (Card Optional) All ATM Deposits, Withdrawals and Inquiries are FREE at Bank of Kansas-owned machines.
Non-Bank of Kansas ATM Transactions Only:
	ATM Deposits Fee	$1.50
	ATM Withdrawal Fee (A transfer of funds is treated as a withdrawal.)	$1.50
	ATM Inquiries	$1.50
Visa CheckCard Issuance Fee (Free Checking only)		$5.00
Visa CheckCard Replacement Fee		$5.00
Visa CheckCard Fee (monthly-per card)		$1.25