APY = Annual Percentage Yield. Annual Percentage Yield accurate as of 04/25/13. No minimum balance required to earn interest. Available for funds not currently on deposit at Cole Taylor Bank. Interest rates are variable and may change at any time without notice. Applicable fees may reduce the earnings on the account. Stated APY assumes that accountholder meets stated requirements to earn premium interest rates each analysis period: (i) online banking enrollment plus eStatements; (ii) make 12 signature-based debit card purchases; AND (iii) have a direct deposit of payroll or other payment. Accounts not meeting the stated requirements will receive an interest rate of 0.05% with an APY of 0.05%. Applicable premium interest rates and their corresponding balance tiers are as follows: If your average daily collected balance is below $15,000, an interest rate of 1.74% with an APY of 1.75% will be ap¬plied to the entire balance; For that portion of the average daily collected balance equal to or greater than $15,000 but less than $25,000, the interest rate is 1.74% and the APY will range from 1.75% to 1.75%, depending on the account balance; For the portion of the average daily collected balance equal to or greater than $25,000, the interest rate is 0.25% and the APY will range from 0.62% to 1.75%, depending on the balance in the account. The interest rate and APY for this tier are calculated assuming a maximum balance of $100,000. Minimum balance required to open account is $100. A minimum average daily ledger balance of $500 is required to avoid a $20 monthly service fee. The analysis period begins three business days prior to the beginning of the statement cycle and ends three business days prior to the end of your statement cycle.

Important information about procedures for opening a new account: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

**Up to $20 of the non-Cole Taylor ATM fee posting to your account each month is rebated to the account at the end of each statement cycle.