platinum bank acquisition customer booklet€¦ · · 2018-03-27aimbank will continue to deliver...
TRANSCRIPT
Better TOGETHER
March 23 2018
4-26-2018 MERGER BEGINS
WELCOME PLATINUM BANK
DEAR NEW FRIENDS AND CUSTOMERS
Please allow me to welcome you to AimBank We are excited that Platinum Bank is becoming part of the AimBank family We truly believe we are ldquoBetter Togetherrdquo These are exciting times for AimBank as this merger will allow you access to 18 of our full-service bank locations throughout the Panhandle South Plains Permian Basin and Big Country regions of West Texas
AimBank will continue to deliver the same superior customer service that you have come to expect For the past six months your friends at AimBank and Platinum Bank have been working together to ensure a seamless transition with minimal interruptions on your daily banking routines
The most visible part of this transition begins the weekend of April 26th Yoursquoll fnd details regarding the merger weekend throughout this Welcome Guide as well as on our website Please take the time to carefully read through the information provided to help you better understand how this merger will afect your accounts or services and help make this move a more positive experience
Below are a few key dates and details to keep in mind bull Merger weekend will begin the evening of Thursday April 26th through the morning of Monday April 30th
bull Online Banking will be temporarily unavailable during the merger weekend
By investing in this merger we are investing in you This merger supports future growth and provides a foundation for new products and services This is part of our commitment to serve our customers as best we can and we AIM to please If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
We appreciate your patience during this process and thank you for your trust in AimBank
Sincerely
Scott WadeCEO AimBank
Lee Gaskamp CEO Platinum Bank
ABOUT AIMBANK AimBank was originally chartered on September 19 1925 Today AimBankrsquos total assets exceed $11 Billion and we are one of the largest locally-owned and locally-managed banks in West Texas Our largest stockholder is our employees AimBank has locations in Abilene Amarillo Farwell Levelland Littlefeld Lubbock Miami Midland Muleshoe Odessa Pampa Plains Shamrock Snyder and Wolforth
OUR MISSION STATEMENT AimBankrsquos mission is to serve the communities that we infuence with exceptional customer service stability character and an unparalleled banking experience
1
IMPORTANT DATES
Week of April 16th
bull Expect your new AimBank debit card to arrive in the mail in a very plain-looking envelope
bull You can activate and start using the card on Monday April 30th at 100 pm
Prior to April 26th
bull Print any Online Bill Pay history you will need immediate access to
bull Print or save any e-statements you will need immediate access to
bull Note any recurring ldquovariablerdquo payments that you have set up in Online Bill Pay
bull Move the contents of Levelland Platinum Bank safe deposit boxes to a box at our Levelland AimBank location
Thursday April 26th
bull Merger weekend will begin
bull Your Platinum Bank debit card will continue to work throughout the merger weekend
bull Your local Platinum Bank location drive thru will close at 500 pm
bull Online and Mobile Banking will be temporarily unavailable beginning at 400 pm
Friday April 27th
bull Lubbock Platinum Bank will re-open as AimBankrsquos ldquoSouth Sliderdquo branch Customers may access their accounts at any AimBank location
bull Odessa and Levelland Platinum Bank branches will relocate to the AimBank locations in these cities
bull Your bank routing number will change to the following
NEW ROUTING NUMBER
111321063
bull You may continue to use your existing Platinum Bank checks indefnitely and debit cards until April 30th
Monday April 30th
bull Platinum Bank debit cards will stop working at 100 pm
bull Call to active your new AimBank debit card toll free at 1-866-619-0245
bull If you misplace your AimBank debit card please contact us and we will mail you a new one
bull Online Mobile Telephone and Text Banking will be restored
bull Call to activate your new AimBank telephone banking toll free at 1-888-692-4622 Have your (primary account holder) Social Security number and account numbers ready
bull Download the AimBank Mobile App for iPhone or Android
bull Update the address where you mail your current Platinum Bank loan payments See Platinum Bank Locations section for address
bull Merger complete
2
FREQUENTLY ASKED QUESTIONS
When is the merger weekend Merger weekend will begin the evening of Thursday April 26th through the morning of Monday April 30th
Will my debit card work during the merger weekend Yes your Platinum Bank debit card will work through the merger weekend It will stop working on Monday April 30th at 100 pm Activate and begin using your new AimBank debit card Please see debit card changes section for details
What will happen to my Online Banking Online Banking will be unavailable during merger weekend Your new AimBank Online Banking will be available Monday April 30th Please see Online Banking ndash Login section for details
APRIL 2018 Sun Mon Tues Wed Thur Fri Sat
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30
Will my account change in any way Yes your account type will change to the most similar AimBank type of account Please see Account Information ndash Account Type Section for details
Will AimBank be open during the merger weekend Yes all branches will be open during the merger weekend and in addition we will provide extended hours of customer support Our staf will be happy to assist you with any questions or needs that may arise
Need customer service assistance If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
3
IMPORTANT DATES FOR DEBIT CARD HOLDERS
Week of April 16th
bull Expect your new AimBank debit card to arrive
April 26th - 30th
bull Platinum Bank debit card will continue to work
April 30th
bull 100 pm - Platinum Bank debit card will stop working
bull 100 pm - Activate and start using your new AimBank debit card
Find out more at wwwaimbankonlinecom platinumbank
DEBIT CARD CHANGES
Pre-Merger You can use your Platinum Bank card right now at any AimBank ATM with no fees You will receive your new AimBank card in the mail about a week before the merger (week of April 16th) Watch for this to arrive in a plain-looking envelope
Merger weekend Your Platinum Bank debit card will continue to work throughout the merger weekend Transactions made on your debit card may not refect on your current or available balances beginning Friday April 27th ndash Monday April 30th
3 We encourage you to keep an account ledger
3 We encourage having a back-up payment method (eg cash) for any unforeseen circumstances
Merger Complete Monday April 30th ndash 100 pm Your current Platinum Bank debit card will stop working
3 Call to activate your new AimBank card toll free at 1-866-619-0245
3 Update any recurring payments with your new AimBank card information
If you have misplaced your new AimBank Debit Card please contact us and we will mail you a new one
4
mdash
ONLINE amp MOBILE BANKING
Online Banking Online Banking will be temporarily unavailable during the merger weekend beginning at 400 pm Thursday April 26th We appreciate your patience as we believe this merger will allow us to better serve you in the future
April 26th April 30th
400 pm Merger weekend Online Banking restored Online Banking will be
unavailable
Funds Transfers Funds Transfers scheduled to process before April 26th will process normally
3 Make a note of reoccurring transfers set up in your Online Banking these will not automatically transfer and will need to be set up in your new AimBank Online Banking
Bill Pay Your scheduled Bill Pay payments will process normally however they will be unavailable for editing or viewing while Online Banking is down Once Online Banking has been restored your existing payees will still appear and you will have access to make any changes to your scheduled Bill Pay payments as usual Contact us if you do not see your scheduled Bill Pay payments and we can link them up to your new Online Banking profle
3 Make a note of your scheduled Bill Pay Payments set up in your Online Banking for quick access over the merger weekend
Check amp Statement Images Check and statement images from Platinum Bank will not be available once Online Banking has been restored Please contact us if you need access to Platinum Bank check or statement images
3 Download any statements you may need in the future prior to April 26th
Mobile Banking Mobile Banking will be temporarily unavailable during the merger weekend When Online Banking is restored this service will also be restored
If you need any assistance over the merger weekend please visit any of our locations or call us toll free at 1-833-290-8140
5
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
March 23 2018
4-26-2018 MERGER BEGINS
WELCOME PLATINUM BANK
DEAR NEW FRIENDS AND CUSTOMERS
Please allow me to welcome you to AimBank We are excited that Platinum Bank is becoming part of the AimBank family We truly believe we are ldquoBetter Togetherrdquo These are exciting times for AimBank as this merger will allow you access to 18 of our full-service bank locations throughout the Panhandle South Plains Permian Basin and Big Country regions of West Texas
AimBank will continue to deliver the same superior customer service that you have come to expect For the past six months your friends at AimBank and Platinum Bank have been working together to ensure a seamless transition with minimal interruptions on your daily banking routines
The most visible part of this transition begins the weekend of April 26th Yoursquoll fnd details regarding the merger weekend throughout this Welcome Guide as well as on our website Please take the time to carefully read through the information provided to help you better understand how this merger will afect your accounts or services and help make this move a more positive experience
Below are a few key dates and details to keep in mind bull Merger weekend will begin the evening of Thursday April 26th through the morning of Monday April 30th
bull Online Banking will be temporarily unavailable during the merger weekend
By investing in this merger we are investing in you This merger supports future growth and provides a foundation for new products and services This is part of our commitment to serve our customers as best we can and we AIM to please If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
We appreciate your patience during this process and thank you for your trust in AimBank
Sincerely
Scott WadeCEO AimBank
Lee Gaskamp CEO Platinum Bank
ABOUT AIMBANK AimBank was originally chartered on September 19 1925 Today AimBankrsquos total assets exceed $11 Billion and we are one of the largest locally-owned and locally-managed banks in West Texas Our largest stockholder is our employees AimBank has locations in Abilene Amarillo Farwell Levelland Littlefeld Lubbock Miami Midland Muleshoe Odessa Pampa Plains Shamrock Snyder and Wolforth
OUR MISSION STATEMENT AimBankrsquos mission is to serve the communities that we infuence with exceptional customer service stability character and an unparalleled banking experience
1
IMPORTANT DATES
Week of April 16th
bull Expect your new AimBank debit card to arrive in the mail in a very plain-looking envelope
bull You can activate and start using the card on Monday April 30th at 100 pm
Prior to April 26th
bull Print any Online Bill Pay history you will need immediate access to
bull Print or save any e-statements you will need immediate access to
bull Note any recurring ldquovariablerdquo payments that you have set up in Online Bill Pay
bull Move the contents of Levelland Platinum Bank safe deposit boxes to a box at our Levelland AimBank location
Thursday April 26th
bull Merger weekend will begin
bull Your Platinum Bank debit card will continue to work throughout the merger weekend
bull Your local Platinum Bank location drive thru will close at 500 pm
bull Online and Mobile Banking will be temporarily unavailable beginning at 400 pm
Friday April 27th
bull Lubbock Platinum Bank will re-open as AimBankrsquos ldquoSouth Sliderdquo branch Customers may access their accounts at any AimBank location
bull Odessa and Levelland Platinum Bank branches will relocate to the AimBank locations in these cities
bull Your bank routing number will change to the following
NEW ROUTING NUMBER
111321063
bull You may continue to use your existing Platinum Bank checks indefnitely and debit cards until April 30th
Monday April 30th
bull Platinum Bank debit cards will stop working at 100 pm
bull Call to active your new AimBank debit card toll free at 1-866-619-0245
bull If you misplace your AimBank debit card please contact us and we will mail you a new one
bull Online Mobile Telephone and Text Banking will be restored
bull Call to activate your new AimBank telephone banking toll free at 1-888-692-4622 Have your (primary account holder) Social Security number and account numbers ready
bull Download the AimBank Mobile App for iPhone or Android
bull Update the address where you mail your current Platinum Bank loan payments See Platinum Bank Locations section for address
bull Merger complete
2
FREQUENTLY ASKED QUESTIONS
When is the merger weekend Merger weekend will begin the evening of Thursday April 26th through the morning of Monday April 30th
Will my debit card work during the merger weekend Yes your Platinum Bank debit card will work through the merger weekend It will stop working on Monday April 30th at 100 pm Activate and begin using your new AimBank debit card Please see debit card changes section for details
What will happen to my Online Banking Online Banking will be unavailable during merger weekend Your new AimBank Online Banking will be available Monday April 30th Please see Online Banking ndash Login section for details
APRIL 2018 Sun Mon Tues Wed Thur Fri Sat
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30
Will my account change in any way Yes your account type will change to the most similar AimBank type of account Please see Account Information ndash Account Type Section for details
Will AimBank be open during the merger weekend Yes all branches will be open during the merger weekend and in addition we will provide extended hours of customer support Our staf will be happy to assist you with any questions or needs that may arise
Need customer service assistance If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
3
IMPORTANT DATES FOR DEBIT CARD HOLDERS
Week of April 16th
bull Expect your new AimBank debit card to arrive
April 26th - 30th
bull Platinum Bank debit card will continue to work
April 30th
bull 100 pm - Platinum Bank debit card will stop working
bull 100 pm - Activate and start using your new AimBank debit card
Find out more at wwwaimbankonlinecom platinumbank
DEBIT CARD CHANGES
Pre-Merger You can use your Platinum Bank card right now at any AimBank ATM with no fees You will receive your new AimBank card in the mail about a week before the merger (week of April 16th) Watch for this to arrive in a plain-looking envelope
Merger weekend Your Platinum Bank debit card will continue to work throughout the merger weekend Transactions made on your debit card may not refect on your current or available balances beginning Friday April 27th ndash Monday April 30th
3 We encourage you to keep an account ledger
3 We encourage having a back-up payment method (eg cash) for any unforeseen circumstances
Merger Complete Monday April 30th ndash 100 pm Your current Platinum Bank debit card will stop working
3 Call to activate your new AimBank card toll free at 1-866-619-0245
3 Update any recurring payments with your new AimBank card information
If you have misplaced your new AimBank Debit Card please contact us and we will mail you a new one
4
mdash
ONLINE amp MOBILE BANKING
Online Banking Online Banking will be temporarily unavailable during the merger weekend beginning at 400 pm Thursday April 26th We appreciate your patience as we believe this merger will allow us to better serve you in the future
April 26th April 30th
400 pm Merger weekend Online Banking restored Online Banking will be
unavailable
Funds Transfers Funds Transfers scheduled to process before April 26th will process normally
3 Make a note of reoccurring transfers set up in your Online Banking these will not automatically transfer and will need to be set up in your new AimBank Online Banking
Bill Pay Your scheduled Bill Pay payments will process normally however they will be unavailable for editing or viewing while Online Banking is down Once Online Banking has been restored your existing payees will still appear and you will have access to make any changes to your scheduled Bill Pay payments as usual Contact us if you do not see your scheduled Bill Pay payments and we can link them up to your new Online Banking profle
3 Make a note of your scheduled Bill Pay Payments set up in your Online Banking for quick access over the merger weekend
Check amp Statement Images Check and statement images from Platinum Bank will not be available once Online Banking has been restored Please contact us if you need access to Platinum Bank check or statement images
3 Download any statements you may need in the future prior to April 26th
Mobile Banking Mobile Banking will be temporarily unavailable during the merger weekend When Online Banking is restored this service will also be restored
If you need any assistance over the merger weekend please visit any of our locations or call us toll free at 1-833-290-8140
5
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
IMPORTANT DATES
Week of April 16th
bull Expect your new AimBank debit card to arrive in the mail in a very plain-looking envelope
bull You can activate and start using the card on Monday April 30th at 100 pm
Prior to April 26th
bull Print any Online Bill Pay history you will need immediate access to
bull Print or save any e-statements you will need immediate access to
bull Note any recurring ldquovariablerdquo payments that you have set up in Online Bill Pay
bull Move the contents of Levelland Platinum Bank safe deposit boxes to a box at our Levelland AimBank location
Thursday April 26th
bull Merger weekend will begin
bull Your Platinum Bank debit card will continue to work throughout the merger weekend
bull Your local Platinum Bank location drive thru will close at 500 pm
bull Online and Mobile Banking will be temporarily unavailable beginning at 400 pm
Friday April 27th
bull Lubbock Platinum Bank will re-open as AimBankrsquos ldquoSouth Sliderdquo branch Customers may access their accounts at any AimBank location
bull Odessa and Levelland Platinum Bank branches will relocate to the AimBank locations in these cities
bull Your bank routing number will change to the following
NEW ROUTING NUMBER
111321063
bull You may continue to use your existing Platinum Bank checks indefnitely and debit cards until April 30th
Monday April 30th
bull Platinum Bank debit cards will stop working at 100 pm
bull Call to active your new AimBank debit card toll free at 1-866-619-0245
bull If you misplace your AimBank debit card please contact us and we will mail you a new one
bull Online Mobile Telephone and Text Banking will be restored
bull Call to activate your new AimBank telephone banking toll free at 1-888-692-4622 Have your (primary account holder) Social Security number and account numbers ready
bull Download the AimBank Mobile App for iPhone or Android
bull Update the address where you mail your current Platinum Bank loan payments See Platinum Bank Locations section for address
bull Merger complete
2
FREQUENTLY ASKED QUESTIONS
When is the merger weekend Merger weekend will begin the evening of Thursday April 26th through the morning of Monday April 30th
Will my debit card work during the merger weekend Yes your Platinum Bank debit card will work through the merger weekend It will stop working on Monday April 30th at 100 pm Activate and begin using your new AimBank debit card Please see debit card changes section for details
What will happen to my Online Banking Online Banking will be unavailable during merger weekend Your new AimBank Online Banking will be available Monday April 30th Please see Online Banking ndash Login section for details
APRIL 2018 Sun Mon Tues Wed Thur Fri Sat
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30
Will my account change in any way Yes your account type will change to the most similar AimBank type of account Please see Account Information ndash Account Type Section for details
Will AimBank be open during the merger weekend Yes all branches will be open during the merger weekend and in addition we will provide extended hours of customer support Our staf will be happy to assist you with any questions or needs that may arise
Need customer service assistance If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
3
IMPORTANT DATES FOR DEBIT CARD HOLDERS
Week of April 16th
bull Expect your new AimBank debit card to arrive
April 26th - 30th
bull Platinum Bank debit card will continue to work
April 30th
bull 100 pm - Platinum Bank debit card will stop working
bull 100 pm - Activate and start using your new AimBank debit card
Find out more at wwwaimbankonlinecom platinumbank
DEBIT CARD CHANGES
Pre-Merger You can use your Platinum Bank card right now at any AimBank ATM with no fees You will receive your new AimBank card in the mail about a week before the merger (week of April 16th) Watch for this to arrive in a plain-looking envelope
Merger weekend Your Platinum Bank debit card will continue to work throughout the merger weekend Transactions made on your debit card may not refect on your current or available balances beginning Friday April 27th ndash Monday April 30th
3 We encourage you to keep an account ledger
3 We encourage having a back-up payment method (eg cash) for any unforeseen circumstances
Merger Complete Monday April 30th ndash 100 pm Your current Platinum Bank debit card will stop working
3 Call to activate your new AimBank card toll free at 1-866-619-0245
3 Update any recurring payments with your new AimBank card information
If you have misplaced your new AimBank Debit Card please contact us and we will mail you a new one
4
mdash
ONLINE amp MOBILE BANKING
Online Banking Online Banking will be temporarily unavailable during the merger weekend beginning at 400 pm Thursday April 26th We appreciate your patience as we believe this merger will allow us to better serve you in the future
April 26th April 30th
400 pm Merger weekend Online Banking restored Online Banking will be
unavailable
Funds Transfers Funds Transfers scheduled to process before April 26th will process normally
3 Make a note of reoccurring transfers set up in your Online Banking these will not automatically transfer and will need to be set up in your new AimBank Online Banking
Bill Pay Your scheduled Bill Pay payments will process normally however they will be unavailable for editing or viewing while Online Banking is down Once Online Banking has been restored your existing payees will still appear and you will have access to make any changes to your scheduled Bill Pay payments as usual Contact us if you do not see your scheduled Bill Pay payments and we can link them up to your new Online Banking profle
3 Make a note of your scheduled Bill Pay Payments set up in your Online Banking for quick access over the merger weekend
Check amp Statement Images Check and statement images from Platinum Bank will not be available once Online Banking has been restored Please contact us if you need access to Platinum Bank check or statement images
3 Download any statements you may need in the future prior to April 26th
Mobile Banking Mobile Banking will be temporarily unavailable during the merger weekend When Online Banking is restored this service will also be restored
If you need any assistance over the merger weekend please visit any of our locations or call us toll free at 1-833-290-8140
5
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
FREQUENTLY ASKED QUESTIONS
When is the merger weekend Merger weekend will begin the evening of Thursday April 26th through the morning of Monday April 30th
Will my debit card work during the merger weekend Yes your Platinum Bank debit card will work through the merger weekend It will stop working on Monday April 30th at 100 pm Activate and begin using your new AimBank debit card Please see debit card changes section for details
What will happen to my Online Banking Online Banking will be unavailable during merger weekend Your new AimBank Online Banking will be available Monday April 30th Please see Online Banking ndash Login section for details
APRIL 2018 Sun Mon Tues Wed Thur Fri Sat
1 2 3 4 5 6 7
8 9 10 11 12 13 14
15 16 17 18 19 20 21
22 23 24 25 26 27 28
29 30
Will my account change in any way Yes your account type will change to the most similar AimBank type of account Please see Account Information ndash Account Type Section for details
Will AimBank be open during the merger weekend Yes all branches will be open during the merger weekend and in addition we will provide extended hours of customer support Our staf will be happy to assist you with any questions or needs that may arise
Need customer service assistance If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
3
IMPORTANT DATES FOR DEBIT CARD HOLDERS
Week of April 16th
bull Expect your new AimBank debit card to arrive
April 26th - 30th
bull Platinum Bank debit card will continue to work
April 30th
bull 100 pm - Platinum Bank debit card will stop working
bull 100 pm - Activate and start using your new AimBank debit card
Find out more at wwwaimbankonlinecom platinumbank
DEBIT CARD CHANGES
Pre-Merger You can use your Platinum Bank card right now at any AimBank ATM with no fees You will receive your new AimBank card in the mail about a week before the merger (week of April 16th) Watch for this to arrive in a plain-looking envelope
Merger weekend Your Platinum Bank debit card will continue to work throughout the merger weekend Transactions made on your debit card may not refect on your current or available balances beginning Friday April 27th ndash Monday April 30th
3 We encourage you to keep an account ledger
3 We encourage having a back-up payment method (eg cash) for any unforeseen circumstances
Merger Complete Monday April 30th ndash 100 pm Your current Platinum Bank debit card will stop working
3 Call to activate your new AimBank card toll free at 1-866-619-0245
3 Update any recurring payments with your new AimBank card information
If you have misplaced your new AimBank Debit Card please contact us and we will mail you a new one
4
mdash
ONLINE amp MOBILE BANKING
Online Banking Online Banking will be temporarily unavailable during the merger weekend beginning at 400 pm Thursday April 26th We appreciate your patience as we believe this merger will allow us to better serve you in the future
April 26th April 30th
400 pm Merger weekend Online Banking restored Online Banking will be
unavailable
Funds Transfers Funds Transfers scheduled to process before April 26th will process normally
3 Make a note of reoccurring transfers set up in your Online Banking these will not automatically transfer and will need to be set up in your new AimBank Online Banking
Bill Pay Your scheduled Bill Pay payments will process normally however they will be unavailable for editing or viewing while Online Banking is down Once Online Banking has been restored your existing payees will still appear and you will have access to make any changes to your scheduled Bill Pay payments as usual Contact us if you do not see your scheduled Bill Pay payments and we can link them up to your new Online Banking profle
3 Make a note of your scheduled Bill Pay Payments set up in your Online Banking for quick access over the merger weekend
Check amp Statement Images Check and statement images from Platinum Bank will not be available once Online Banking has been restored Please contact us if you need access to Platinum Bank check or statement images
3 Download any statements you may need in the future prior to April 26th
Mobile Banking Mobile Banking will be temporarily unavailable during the merger weekend When Online Banking is restored this service will also be restored
If you need any assistance over the merger weekend please visit any of our locations or call us toll free at 1-833-290-8140
5
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
IMPORTANT DATES FOR DEBIT CARD HOLDERS
Week of April 16th
bull Expect your new AimBank debit card to arrive
April 26th - 30th
bull Platinum Bank debit card will continue to work
April 30th
bull 100 pm - Platinum Bank debit card will stop working
bull 100 pm - Activate and start using your new AimBank debit card
Find out more at wwwaimbankonlinecom platinumbank
DEBIT CARD CHANGES
Pre-Merger You can use your Platinum Bank card right now at any AimBank ATM with no fees You will receive your new AimBank card in the mail about a week before the merger (week of April 16th) Watch for this to arrive in a plain-looking envelope
Merger weekend Your Platinum Bank debit card will continue to work throughout the merger weekend Transactions made on your debit card may not refect on your current or available balances beginning Friday April 27th ndash Monday April 30th
3 We encourage you to keep an account ledger
3 We encourage having a back-up payment method (eg cash) for any unforeseen circumstances
Merger Complete Monday April 30th ndash 100 pm Your current Platinum Bank debit card will stop working
3 Call to activate your new AimBank card toll free at 1-866-619-0245
3 Update any recurring payments with your new AimBank card information
If you have misplaced your new AimBank Debit Card please contact us and we will mail you a new one
4
mdash
ONLINE amp MOBILE BANKING
Online Banking Online Banking will be temporarily unavailable during the merger weekend beginning at 400 pm Thursday April 26th We appreciate your patience as we believe this merger will allow us to better serve you in the future
April 26th April 30th
400 pm Merger weekend Online Banking restored Online Banking will be
unavailable
Funds Transfers Funds Transfers scheduled to process before April 26th will process normally
3 Make a note of reoccurring transfers set up in your Online Banking these will not automatically transfer and will need to be set up in your new AimBank Online Banking
Bill Pay Your scheduled Bill Pay payments will process normally however they will be unavailable for editing or viewing while Online Banking is down Once Online Banking has been restored your existing payees will still appear and you will have access to make any changes to your scheduled Bill Pay payments as usual Contact us if you do not see your scheduled Bill Pay payments and we can link them up to your new Online Banking profle
3 Make a note of your scheduled Bill Pay Payments set up in your Online Banking for quick access over the merger weekend
Check amp Statement Images Check and statement images from Platinum Bank will not be available once Online Banking has been restored Please contact us if you need access to Platinum Bank check or statement images
3 Download any statements you may need in the future prior to April 26th
Mobile Banking Mobile Banking will be temporarily unavailable during the merger weekend When Online Banking is restored this service will also be restored
If you need any assistance over the merger weekend please visit any of our locations or call us toll free at 1-833-290-8140
5
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
mdash
ONLINE amp MOBILE BANKING
Online Banking Online Banking will be temporarily unavailable during the merger weekend beginning at 400 pm Thursday April 26th We appreciate your patience as we believe this merger will allow us to better serve you in the future
April 26th April 30th
400 pm Merger weekend Online Banking restored Online Banking will be
unavailable
Funds Transfers Funds Transfers scheduled to process before April 26th will process normally
3 Make a note of reoccurring transfers set up in your Online Banking these will not automatically transfer and will need to be set up in your new AimBank Online Banking
Bill Pay Your scheduled Bill Pay payments will process normally however they will be unavailable for editing or viewing while Online Banking is down Once Online Banking has been restored your existing payees will still appear and you will have access to make any changes to your scheduled Bill Pay payments as usual Contact us if you do not see your scheduled Bill Pay payments and we can link them up to your new Online Banking profle
3 Make a note of your scheduled Bill Pay Payments set up in your Online Banking for quick access over the merger weekend
Check amp Statement Images Check and statement images from Platinum Bank will not be available once Online Banking has been restored Please contact us if you need access to Platinum Bank check or statement images
3 Download any statements you may need in the future prior to April 26th
Mobile Banking Mobile Banking will be temporarily unavailable during the merger weekend When Online Banking is restored this service will also be restored
If you need any assistance over the merger weekend please visit any of our locations or call us toll free at 1-833-290-8140
5
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
IMPORTANT DATES FOR ONLINE BANKING
April 26th
bull 400 pm ndash Platinum Bank Online Banking permanently ends
April 26th ndash 30th
bull AimBankrsquos Online Banking unavailable
April 30th
bull AimBankrsquos Online Banking available for Platinum Bank customers
Customer Service 1 -833 -290-8140
Visit us online at wwwaimbankonlinecom platinumbank
FIRST-TIME LOGIN TO AIMBANK ONLINE BANKING
Your new home for Online Banking will be wwwaimbankonlinecom
April 30th will be the frst day you can access AimBank Online Banking
You will receive a letter from AimBank with specifc instructions on setting up your new Online Banking credentials
3 You MUST complete these instructions in our Online Banking system in order to gain access to your accounts
Instructions for setting up your AimBank Online Banking credentials will also be available on our website wwwaimbankonlinecomplatinumbank
Find out more at wwwaimbankonlinecomplatinumbank
If you need any assistance please visit any of our locations or call us toll free at 1-833-290-8140
6
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
NEW SERVICES TO COME
15 New Locations
bull 2 additional Lubbock locations
bull Also located in Abilene Amarillo Farwell Levelland Littlefeld Miami Midland Muleshoe Odessa Pampa PlainsShamrock Snyder and Wolforth
Telephone Banking Your new number for Telephone Banking is 888-692-4622 Once connected you will need to confrm your account number You will then be prompted to enter the last four digits of the primary account holderrsquos Social Security number
Telephone Banking will become available on April 30th
AimText Banking After getting your online banking profle set up make sure you enable your text banking feature It is simple and easy to use Just text us with a command and we will provide the information requested
bull Check balances
bull View account history
bull Transfer funds
bull Request a list of commands
Here are some Text Banking Commands
bull BAL - Receive account balance (If no account nickname is included the balances of all enabled accounts will be listed)
bull HIST - Receive account history
bull XFER - Transfer funds between accounts
bull LIST - Receive a list of available text commands
bull HELP - Receive contact information for Text Banking (bank website and phone number)
bull STOP - Stop all text messages to the mobile device (for text banking and SMS alertsnotifcations)
7
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
- -
QUESTIONS WE AIM TO HELP
April 26th
bull Your account will automatically transfer to AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Visit us online at wwwaimbankonlinecom platinumbank
ACCOUNT INFORMATION
Your accounts will automatically transfer over to AimBank on April 26th 2018
Account Numbers The vast majority of account numbers for Platinum Bank customers will not change We have discovered a small number of duplicate account numbers in our pre-merger discovery eforts If you have a duplicate account number we will contact you to accommodate your account prior to the merger date and will assist you in every way possible
Account Type Your Platinum Bank account type will change to the most similar AimBank account type For AimBank account types please see the Side-by-Side Comparison section of this Welcome Guide or visit our website at wwwaimbankonlinecomplatinumbank
We are happy to assist you in selecting a diferent type of account if you are not satisfed with your new account
Account Checks You may continue to use your existing Platinum Bank checks indefnitely We will be glad to assist you with future orders of AimBank checks when your Platinum Bank checks run out
Account Drafts Existing account drafts will automatically transfer over with your accounts
Account Direct Deposits We are working behind the scenes to make sure that all of your electronic deposits and payments will be re-routed directly to AimBank Any items that are presented with Platinum Bankrsquos routing number will automatically be re-routed to AimBankrsquos routing number
Certifcates of Deposits (CDs) CDs will have the identical Annual Percentage Yield (APY) and maturity date they had while with Platinum Bank When your CD matures it will automatically renew unless otherwise requested The interest rate and annual percentage yield that will apply upon renewal are not yet determined At the date of maturity you will receive a notice stating your CD has matured You may call us during regular business hours to obtain the rates
FDIC INSURANCE COVERAGE In the event you have accounts at Platinum Bank and AimBank that combined exceed $250000 the FDIC has a special rule that says when two banks merge a customerrsquos deposits will be considered to be separately insured mdash as if the two banks are still operating separately mdash for 6 months after the merger This will apply until October 26th 2018
For CDs the FDIC allows the separate deposit insurance coverage to continue all the way to the maturity date of the CD We can assist you with ways to structure your accounts to give you additional coverage in the event your post-merger combined balances exceed $250000
If you need any assistance please visit us at any of our locations or call us toll free at 1-833-290-8140
8
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
- -
LOANS
Your loans will automatically transfer over to AimBank on April 26th 2018 The Annual Percentage Rates (APRs) and other terms such as payment due dates maturity dates etc will not change
Loan decisions on new loan requests will still be made locally
Loan Numbers The vast majority of loan numbers for Platinum Bank customers will not change We have discovered a small number of duplicate loan numbers in our pre-merger discovery eforts If you have a duplicate loan number we will contact you to accommodate your loan prior to the merger date and will assist you in every way possible
Loan Payments Made to AimBank Please see below for available payment options
bull Can be made through our Online Banking system
bull Can be made at any of our 18 AimBank locations
bull Can be mailed (see Other Important Merger Information section for addresses)
bull Can be set up on auto draft and previously set up auto drafts will continue to work as before
QUESTIONS WE AIM TO HELP
April 26th
bull Your loan will automatically transfer to AimBank
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
April 26th ndash 30th
bull Merger weekend
Visit us online at wwwaimbankonlinecom platinumbank
9
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
OTHER IMPORTANT MERGER INFORMATION
Platinum Bank Locations AimBank is purchasing all Platinum Bank locations in Levelland Lubbock and Odessa
bull The Levelland Platinum Bank location will be relocated to our branch at 110 College Ave Levelland TX 79336 (PO Box 999)
bull The Odessa Platinum Bank location will be relocated to our branch at 7281 Tres Hermanas Blvd Odessa TX 79765 (PO Box 13890 Odessa TX 79768)
bull The Lubbock Platinum Bank location will operate as an AimBank location starting Friday April 27th 2018 with normal business hours
Safe Deposit Boxes Safe Deposit boxes are not FDIC insured
Please see below for Safe Deposit Box location changes
bull Lubbock Platinum Bank Safe Deposit Boxes
o There will be no change
bull Levelland Platinum Bank Safe Deposit Boxes
o Customers will need to remove the contents from their Safe Deposit Box prior to April 26th
o We have reserved you a safe deposit box at our Levelland AimBank for your convenience You have received a letter from us with further details
o Your frst yearrsquos rent with AimBank will be free
Statements
bull Due to the merger you will receive a fnal Platinum Bank statement dated April 26 2018 by mail Statements going forward will come from AimBank
bull Your statement cycle and method of delivery for your statement will resume as they were before the merger
CUSTOMER SUPPORT
We AIM to help
Customer Support During the Merger Weekend We will be open beginning Thursday and throughout the merger weekend In addition we will provide extended hours and staf will be available to assist you with any questions or needs that may arise
Customer Support We AIM to help Please call us for assistance or questions toll free at 1-833-290-8140
Visit our website at aimbankonlinecomplatinumbank for more information
10
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
- -
BE READY
Ways to Prepare for the Merger Weekend
Here is a helpful To-Do list
3 Download any statements dated prior to April 26th that you may need access to in the future You may contact us if you need access to them after April 26th
3 Make a note of your scheduled Bill Pay payments set up in your Online Banking for quick access
3 Make a note of recurring payments set up in your Online Banking
3 Have a secondary payment method ready (eg cash) in the unlikely event that your debit card does not work
3 Keep an account ledger for the dates of the merger weekend to maintain your account balances
3 Make note of our customer support phone number and have it readily available during the merger weekend
READY AIM BANK YEAHITrsquoS THAT SIMPLE
wwwaimbankonlinecomplatinumbank
If you need any customer service assistance please come visit us at any of our locations or call us toll free at 1-833-290-8140
QUESTIONS WE AIM TO HELP
April 27th
bull Platinum Bank will open as AimBank
April 26th ndash 30th
bull Merger weekend
Customer Service 1 833 290-8140
Visit us at any of our AimBank branches
Find out more at wwwaimbankonlinecom platinumbank
11
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
SIDE-BY-SIDE COMPARISON
SuperSmart Checking Platinum Interest Checking
Smart Checking Platinum Interest Checking
NOW Checking Interest Checking
HSA HSA
IOLTA NOW Checking IOLTA Checking
Basic Checking Free eChecking
Savings AimHigh Savings
Tiered Money Market Money Market
Business Checking Small Business Checking
Business Savings AimHigh Savings
Business Tiered MM Money Market
12
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
ACCOUNT CONVERSION TABLE
Super Smart to Interest Checking
Account Feature VARIANCE
SUPER INTEREST NAME OF ACCOUNT SMART CHECKING
Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) (membership fee - Platinum Bank)1 $ 499 $ 000 Positive
Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)2 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 223 000 Negative
All q
ualif
icat
ions
ARE
met
1
APY - Tier (0 - $99999) 225 000 Negative
Interest Rate - Tier ($100000 - $499999) 223 015 Negative
APY - Tier ($100000 - $499999) 225 015 Negative
Interest Rate - Tier ($500000 - $1499999) 223 025 Negative
APY - Tier ($500000 - $1499999) 225 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 223 030 Negative
APY - Tier ($1500000 - $3000000) 225 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Smart Checking to Interest Checking
Account Feature VARIANCE
NAME OF ACCOUNT SMART INTEREST
CHECKING CHECKING Impact On Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 000 $ 100000 Negative
Minimum Balance Fee $ 000 $ 1000 Negative
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 100000 Negative
Overdraft Protection Limit ($) $ 60000 $ 80000 Positive
NSF Fee ($) $ 3000 $ 2800 Positive
OD Account Charge per Cycle ($)1 $ 000 $ 2000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 000 $ 000 Neutral Interest Rate - Tier (0 - $99999) 015 000 Negative
All q
ualif
icat
ions
are
NO
T m
et
APY - Tier (0 - $99999) 015 000 Negative
Interest Rate - Tier ($100000 - $499999) 015 015 Neutral APY - Tier ($100000 - $499999) 015 015 Neutral Interest Rate - Tier ($500000 - $1499999) 015 025 Positive
APY - Tier ($500000 - $1499999) 015 025 Positive
Interest Rate - Tier ($1500000 - $3000000) 015 030 Positive
APY - Tier ($1500000 - $3000000) 015 030 Positive
Interest Rate - Tier ($3000000+) 015 030 Positive
APY - Tier ($3000000+) 015 030 Positive
Interest Rate - Tier (0 - $99999) 149 000 Negative
All q
ualif
icat
ions
ARE
met
2
APY - Tier (0 - $99999) 150 000 Negative
Interest Rate - Tier ($100000 - $499999) 149 015 Negative
APY - Tier ($100000 - $499999) 150 015 Negative
Interest Rate - Tier ($500000 - $1499999) 149 025 Negative
APY - Tier ($500000 - $1499999) 150 025 Negative
Interest Rate - Tier ($1500000 - $3000000) 149 030 Negative
APY - Tier ($1500000 - $3000000) 150 030 Negative
Interest Rate - Tier ($3000000+) 050 030 Negative
APY - Tier ($3000000+) 050 030 Negative
ATM Daily Limit $ 30000 $ 30000 Neutral ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 100000 $ 150000 Positive
Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Bank Qualifications below required for waiver of membership fee amp higher interest ratesAPY
-25 Debit Card Transactions (posted) per month
-2 Direct Deposit or ACH Transactions per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500) 2Only charged if account is overdrawn during the statement cycle
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle2Platinum Bank Qualifications below required for higher interest ratesAPY
-15 Debit Card Transactions (posted) per month
-1 Direct Deposit or ACH Transaction per month
-E-Statement required
-ATM fees refunded nationwide (up to $2500)
13
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
Account Feature VARIANCE
NAME OF ACCOUNT BASIC
CHECKING Free
eCHECKING Impact on Customer
Opening Deposit ($) 2500 $ 5000 $ Negative
Minimum to Avoid Fee ($) 50000 $ 000 $ Positive
Minimum Balance Fee 1000 $ 000 $ Positive
Service Fee ($)1 000 $ 500 $ Negative
Overdraft Protection Limit ($) 60000 $ 80000 $ Positive
NSF Fee ($) 3000 $ 2800 $ Positive
OD Account Charge per Cycle ($)2 000 $ 2000 $ Negative
Check Limit Only EFT Unlimited Positive
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral E-Statements Required Optional Positive
ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 495 $ 000 $ Positive
Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit3 100000 $ 150000 $ Positive
Stop Payment Fee 3000 $ 2800 $ Positive
Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive
International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive
International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Basic Checking to Free eChecking
Account Review for Upgrade after 1 Year - Platinum Bank 1AimBank paper statement fee - waived if statement is emailed 2Only charged if account is overdrawn during the statement cycle 3Platinum Bank - PIN-activated debit card transactions only
Account Feature VARIANCE
NAME OF ACCOUNT NOW
CHECKING INTEREST CHECKING
Impact On Customer
Opening Deposit ($) 100000 $ 5000 $ Negative Minimum to Avoid Fee ($) 100000 $ 100000 $ Neutral Minimum Balance Fee 1000 $ 1000 $ Neutral Service Fee ($) 000 $ 000 $ Neutral Minimum Balance Required to Earn Interest 100000 $ 100000 $ Neutral Overdraft Protection Limit ($) 60000 $ 80000 $ Positive NSF Fee ($) 3000 $ 2800 $ Positive OD Account Charge per Cycle ($)1 000 $ 2000 $ Negative Compounding Daily Monthly Negative Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit Unlimited Unlimited Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) 000 $ 000 $ Neutral APY amp Interest Rate - Tier (0 - $99999) 000 000 Neutral APY amp Interest Rate - Tier ($100000 - $499999) 020 015 Negative APY amp Interest Rate - Tier ($500000 - $1499999) 020 025 Positive APY amp Interest Rate - Tier ($1500000+) 020 030 Positive ATM Daily Limit 30000 $ 30000 $ Neutral ATM Transaction Fee 000 $ 000 $ Neutral Bill Pay Fee - Monthly 000 $ 000 $ Neutral Debit Card Set-up Fee 000 $ 000 $ Neutral Debit Card Daily Limit 100000 $ 150000 $ Positive Stop Payment Fee 3000 $ 2800 $ Positive Wire Transfer Fee - Outgoing 1500 $ 1500 $ Neutral Wire Transfer Fee - Incoming 750 $ 500 $ Positive International Wire Transfer Fee - Outgoing 6000 $ 4500 $ Positive International Wire Transfer Fee - Incoming 2500 $ 000 $ Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Only charged if account is overdrawn during the statement cycle
NOW Checking to Interest Checking
Savings to AIM High Savings
Account Feature VARIANCE
NAME OF ACCOUNT AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield Rates may change at any time at AimBanks discretion
Tiered Money Market to Money Market Account Feature VARIANCE
NAME OF ACCOUNT MONEY TIERED MM MARKET
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Positive
Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
1Platinum - No service charge for minors under 18 amp 55 APY = Annual Percentage Yield +-Platinum Fee is applied monthly - AimBank Fee is applied quarterly Rates may change at any time at AimBanks discretion
14
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
Business Tiered Money Market to Business Money Market Account Feature VARIANCE
Name of Account BUSINESS BUSINESS TIERED MM MM
Impact on Customer
Opening Deposit ($) $ 250000 $ 500000 Negative
Minimum to Avoid Fee ($) $ 250000 $ 000 Positive
Minimum Balance Fee $ 1000 $ 000 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 250000 $ 500000 Negative
Compounding Daily Monthly Negative
Crediting Monthly Monthly Neutral Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 6 6 Neutral Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral Excessive Transaction Fee ($) $ 1000 $ 2000 Negative
APY amp Interest Rate - Tier ($0 - $249999) 000 000 Neutral APY amp Interest Rate - Tier ($250000 - $499999) 020 000 Negative
APY amp Interest Rate - Tier ($500000 - $1499999) 020 015 Negative
APY amp Interest Rate - Tier ($1500000 - $2499999) 020 025 Positive
APY amp Interest Rate - Tier ($2500000 - $4999999) 030 035 Positive
APY amp Interest Rate - Tier ($5000000 - $9999999) 050 035 Negative
APY amp Interest Rate - Tier ($10000000 - $24999999) 070 035 Negative
APY amp Interest Rate - Tier ($25000000+) 100 035 Negative
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
Business Savings to AIMHigh Savings
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS AIM HIGH SAVINGS SAVINGS
Impact on Customer
Opening Deposit ($) $ 5000 $ 5000 Neutral Minimum to Avoid Fee ($) $ 2500 $ 5000 Negative
Minimum Balance Fee1 $ 500 $ 500 Positive
Service Fee ($) $ 000 $ 000 Neutral Minimum Balance Required to Earn Interest $ 001 $ 001 Neutral Compounding Daily Quarterly Negative
Crediting Monthly Quarterly Negative
Balance Computation Method Daily Balance Daily Balance Neutral When Interest Begins to Accrue Same Day Same Day Neutral Effect of Closing Account Int Not Paid Int Not Paid Neutral Check Limit 3 6 Positive
Periodic Statement Monthly Quarterly Negative
Images in Statement Front Front Neutral Excessive Transaction Fee ($) $ 300 $ 200 Positive
APY amp Interest Rate - Tier (000 - $499999) 040 015 Negative
APY amp Interest Rate - Tier ($500000 - $999999) 040 015 Negative
APY amp Interest Rate - Tier ($1000000 - $4999999) 040 025 Negative
APY amp Interest Rate - Tier ($5000000 - $24999999) 040 045 Positive
APY amp Interest Rate - Tier ($25000000+) 040 045 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion 1Platinum Fee is applied monthly AimBank Fee is applied quarterly
APY = Annual Percentage Yield
Rates may change at any time at AimBanks discretion
Business Checking to Small Business Checking
Account Feature VARIANCE
NAME OF ACCOUNT BUSINESS Sm BUS CHECKING CHECKING
Impact on Customer
Opening Deposit ($) $ 10000 $ 5000 Positive
Minimum to Avoid Fee ($) $ 000 $ 000 Neutral Minimum Balance Fee $ 000 $ 000 Neutral Service Fee ($) $ 1500 $ 000 Positive
Minimum Balance Required to Earn Interest $ 000 $ 000 Neutral ODP ($) $ 000 $ 150000 Positive
NSF Fee ($) 3000 $ 2800 Positive
OD Account Charge per Cycle $ 000 $ 2000 Negative
Periodic Statement Monthly Monthly Neutral Images in Statement Fronts Fronts Neutral ATM Daily Limit $ 30000 $ 50000 Positive
ATM Transaction Fee $ 000 $ 000 Neutral Bill Pay Fee - Monthly $ 000 $ 000 Neutral Debit Card Set-up Fee $ 000 $ 000 Neutral Debit Card Daily Limit $ 250000 $ 250000 Neutral Stop Payment Fee $ 3000 $ 2800 Positive
Wire Transfer Fee - Outgoing $ 1500 $ 1500 Neutral Wire Transfer Fee - Incoming $ 750 $ 500 Positive
International Wire Transfer Fee - Outgoing $ 6000 $ 4500 Positive
International Wire Transfer Fee - Incoming $ 2500 $ 000 Positive
EFT Error Resolution Contact PO Box 64179
Lubbock TX 79464 806-792-5300
337 Phelps Ave Littlefield TX 79339
806-385-4441
15
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16
Service Name Impact on Customer
Internet Banking 000 $ 000 $ Neutral Bill Pay1 000 $ 000 $ Positive
Savings Excessive Transactions Fee 300 $ 200 $ Positive
AimElite Excessive Transaction Fee 1000 $ 2000 $ Negative
MMDA Excessive Transaction Fees 1000 $ 2000 $ Negative
Debit Card 000 $ 000 $ Neutral Debit Card Replacement 500 $ 500 $ Neutral Debit Card - Hot Card 000 $ 2000 $ Negative
Personalized DC - PB Photo Gallery 395 $ 000 $ Neutral Personalized DC - Customer Design 895 $ 000 $ Neutral DC - ATM Daily Limit 30000 $ 30000 $ Neutral DC - Daily Limit - Consumer 100000 $ 150000 $ Positive
DC - Daily Limit - Commercial 250000 $ 250000 $ Neutral Non-Platinum Bank DC - ATM Usage Fee 350 $ 000 $ Positive
ATM Balance Inquiry 000 $ 000 $ Neutral ATM Funds Transfer 000 $ 000 $ Neutral Check Printing Cost Cost Neutral Printed Temp Checks 200 $ 000 $ Positive
Cashiers Checks 350 $ 200 $ Positive
Nonsufficient FundsOverdraft Fee per item 3000 $ 2800 $ Positive
Nonsufficient FundsOverdraft Fee daily max 15000 $ 22400 $ Negative
Nonsufficient Funds (ATM withdrawal) 3000 $ 2800 $ Positive
Nonsufficient Funds (debit card purchase) 3000 $ 2800 $ Positive
Nonsufficient Funds (preauthorized withdrawal or other electronic debit)
3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Per Item 3000 $ 2800 $ Positive
Nonsufficient Funds Returned Check Fee - Daily Maximum 15000 $ 22400 $ Negative
Overdrawn Account Charge Per Cycle 000 $ 2000 $ Negative
Discretionary Overdraft Allowance up to $60000AB-$800 3000 $ 2800 $ Positive
Stop Payment 3000 $ 2800 $ Positive
Return Deposit Item Fee (Chargeback) 500 $ 000 $ Positive
Check Cashing Fee - Non-customer Transactions2 500 $ $ 200 or 1 Positive
Automatic Sweep for Linked Accounts 750 $ 500 $ Positive
Loose Coin Counting Fee 500 $ 000 $ Positive
Special Statement Cutoff 1000 $ 100 $ Positive
Account Research (minimum of one hour) 2500 $ 2000 $ Positive
Account Research - Per Copy 000 $ 100 $ Negative
Photocopies 000 $ 025 $ Negative
Account Balancing Assistance (per hour) 2500 $ 000 $ Positive
Duplicate Monthly Statement Charge 500 $ 000 $ Positive
Activity Printout Charge 300 $ 100 $ Positive
Phone Transfer (Banker Assistance) 300 $ 000 $ Positive
Banker Assistance for Deposit Correction 200 $ 000 $ Positive
Dormant Account Charges 500 $ 1000 $ Negative
Account Closure Within 90 Days of Opening 1500 $ 000 $ Positive
Wire Transfer (Incoming) 750 $ 500 $ Positive
Wire Transfer (Outgoing) 1500 $ 1500 $ Neutral Wire Transfer (Incoming) - International 2500 $ 000 $ Positive
Wire Transfer (Outgoing) - International 6000 $ 4500 $ Positive
Wire Transfer (Federal Reserve) 000 $ 5000 $ Negative
Account Tax Levy Fee 7500 $ 5000 $ Positive
Account Garnishment Fee 7500 $ 5000 $ Positive
ACH Online Cash Management - Initial Set-up Charge 3000 $ 000 $ Positive
ACH Online Cash Management - Monthly Service Charge 3500 $ 000 $ Positive
Remote Deposit Capture - Initial Set-up Charge 10000 $ 000 $ Positive
Remote Deposit Capture - Base Machine Purchase Price 80000 $ 000 $ Positive Remote Deposit Capture - Monthly Processing Fee (Bank-Provided Equipment) 7995 $ 000 $ Positive
Remote Deposit Capture - Monthly Processing Fee (Customer-Provided Equipment) 4500 $ 000 $ Positive
Remote Deposit Capture - Cost Per Item Processed 008 $ 000 $ Positive
Safe Deposit Box (Deposit Account Required) 2000 $ 000 $ Positive
Key Deposit (Required) 000 $ 2500 $ Negative
SDB Drill Fee - Actual cost by locksmith cost 10000 $ Neutral SDB Per Year Box Rental 3X3 Not Available 800 $ Positive
SDB Per Year Box Rental 3X5 Not Available 1000 $ Positive
SDB Per Year Box Rental 5X5 Not Available 1600 $ Positive
SDB Per Year Box Rental 3X10 3500 $ 2000 $ Positive
SDB Per Year Box Rental 5X10 5000 $ 2400 $ Positive
SDB Per Year Box Rental 8X10 Not Available 3200 $ Positive
SDB Per Year Box Rental 10X10 7500 $ 4000 $ Positive
SDB Per Year Box Rental 11X17 Not Available 4800 $ Positive
Common Fees
1Platinum Bank Basic Checking - $495 2AimBank charge on checks over $20000
16