First American Bank
P.O. Box 0794
Elk Grove, IL 60009-0794

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Interest Rates and Annual Percentage Yields are current as of June 26, 2016.   For current rate information call (847) 952-3700.

Optimal Checking

Rate Information: This account is an interest bearing account. If the daily balance is:

= $0.01 and < $1,000, the interest rate paid is 0.00% with an Annual Percentage Yield of 0.00%.

= $1,000 and < $5,000, the interest rate paid is 0.03% with an Annual Percentage Yield of 0.03%.

= $5,000 and < $25,000, the interest rate paid is 0.05% with an Annual Percentage Yield of 0.05%.

= $25,000 and < $50,000, the interest rate paid is 0.07% with an Annual Percentage Yield of 0.07%.

= $50,000 and < $250,000, the interest rate paid is 0.12% with an Annual Percentage Yield of 0.12%.

>= $250,000, the interest rate paid is 0.17% with an Annual Percentage Yield of 0.17%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100 to open this account. If you close your account before interest is credited, you will not receive the accrued interest. Accrued interest will be paid when the entire balance of the closed account is transferred to a new First American Bank account. One overdraft fee reversal per year. Customer must notify bank within 30 days of overdraft. No guarantee that overdraft item will be honored or paid

Account Fees: Minimum daily balance of $2,500 or average balance of $5,000 must be maintained to avoid monthly fee of $14.95. The following fees apply to this account: Images Returned - Front and Back: $2.00 per month; Optional STAR/Cirrus services available: see service fee schedule; Free checks - Specialty Blue style, one box per order, customer pays tax and delivery; Four free ATM withdrawals - with direct deposit. You may be charged a terminal fee by another bank. Fees may reduce earnings on this account. An overdraft charge is imposed for overdrafts created by checks, in person withdrawals, ATM withdrawals, or by other electronic means, as applicable.

Within the first 30 days after an account is opened, the primary owner (designated by the first named owner on the signature card or on the statement) must enroll in our Online Banking Service and accept the Online Banking Agreement to receive free electronic statements. If the Online Banking Agreement is not accepted within the first 30 days of account opening your account will be converted to Personal Checking and subject to the Terms and Conditions of Personal Checking. See Schedule of Fees.