Rate Information: Your interest rate and annual percentage yield may change.

Frequency of Rate Change: We may change the interest rate on your account daily.

Determination of Rate: At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency: Interest will be compounded every quarter. Interest will be credited to your account every quarter. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum Balance to Open the Account: You must deposit $200.00 to open this account.

Minimum Balance to Avoid Imposition of Fees: A quarterly service charge fee of $12.00 will be imposed every statement cycle if the average daily (ledger) balance for the quarter falls below $200.00. The average daily balance is calculated by adding the principal in the account for each day of the quarterly statement cycle and dividing that figure by the number of days in the statement cycle. This fee does not apply to minors (up to age 18). This fee does not apply to seniors (age 55+).

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 Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction Limitations and Fees: By law, withdrawals are limited on this account to a combination of six transactions per quarter for ACH items, telephone transfers, Internet transfers, checks (checks not allowed on saving) CheckCard transactions and drafts. (Of the six transactions, no more than three may be made by draft or CheckCard.)

A deposited items fee of $0.25 will be charged for each item deposited in excess of 15 during a statement cycle.

A debits posted fee of $2.00 will be charged for each withdrawal in excess of six during the quarter at Bank of Kansas. (DirectBanker transfers are not charged the fee, but are included in the six quarterly transaction limits.)

Minors and seniors must also abide by the transaction limits disclosed.

Account Information:
You are inquiring about the Savings Account. For current rates please review our rates page or call an Bank of Kansas associate toll-free at 1.866.222.4762. Existing customers may also refer to their periodic statement for the rates.

Interest Rates:
The interest rate for your account is _____________ %, with an annual percentage yield of _______________ %.

Bank of Kansas
SCHEDULE OF FEES AND CHARGES
Effective March 1, 2011

[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)		$4.00 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**	$28.00
	Returned NSF/OD fee**	$28.00
	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		$28.00 / hour ($28.00 min.)
Rejected item fee (60 day bank notice)		$1.00
Research fee (hourly on acct.)		$28.00 / hour ($28.00 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		$28.00
Stop payment fee online		$19.00
Temporary checks		3 for $1.00
Visa Travel Money Card ($250 min. balance)		$9.95 per card
	Additional Cards (same account #)	$2.00 each
	Reloads (same card - Max. 3 times)	$3.95
Visa Gift Card ($25 min. balance)		$5.00 per card
Wire transfers:
	Incoming wire fee	$11.00 each
	Outgoing wire fee (plus International wire fee if applicable)	$15.00 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
External Transfer		$1.00
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