Personal Checking Disclosures

GreenZone Checking with CardCash^®

^*No minimum balance required. Account holder must sign up for a Wolverine Bank VISA^® Check Card. Check cards will be subject to normal user fees. Must have a valid email address and receive eStatements; must enroll for Online Banking, no more than 10 checks per month may be written, if over 10 checks written, then a 50 cent per check charge will be assessed. No Transaction fees for using a Wolverine Bank ATM. Foreign ATM fees apply. $1 for each withdrawal or inquiry. $3 for each deposit. Account is subject to International Service ATM or POS charges. Overdraft Protection transfer fees apply - $3 per transfer after three. Coin/currency limits apply; No charge for the first $10,000 in currency exchanged, $0.35 per $1 above limit. No charge for the first $2,500 in wrapped coin exchanged, $0.35 per wrap above limit. No charge for the first $500 in unwrapped coin exchanged, $0.35 per wrap above limit. VISA_^® check cards associated with GreenZone Checking Accounts are not eligible for participation in the UChoose Rewards Program or HI Power Checking Accounts.

HI Power Checking

**APY = Annual Percentage Yield. APY is as follows on HI Power Checking Accounts – 3.00% APY on accounts up to $5K. No minimum balance required. Accounts exceeding $5K will receive a 0.25% APY. If requirements** are not met, an APY of 0.05% will prevail. **Must make 12 Wolverine Bank VISA Check Card transactions per month; must have a valid email address and receive eStatements; must login to Online Banking at least once per month; no more than 20 checks per month may be written, if over 20 checks written, then a 50 cent per check charge will be assessed. Direct Deposit is required. No refund or fee waiver if requirements not achieved. Debit Cards not eligible for participation on Rewards Program. Rates accurate as of 11/30/10 and rates subject to change without notice.

Rewards Checking

¹No minimum balance required. Account holder must sign up for a Wolverine Bank VISA^® Check Card. Check cards will be subject to normal user fees. Checks will be kept in Safekeeping for the Rewards Checking Account; First 50 transactions per month are free, $0.10 fee per transaction thereafter.

Online Banking