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Better TOGETHER.

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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