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Banking 101 with QCBT

Your Friendly Guide to Banking in the U.S.

_{¹NEW CLIENT BONUS OFFER: Earn a $300.00 bonus when you open a new qualifying consumer checking account and meet all of the following requirements within 90 calendar days of account opening (“qualifying period”).}

_{To qualify for the New Client Bonus Offer:}

_{a) Open any new consumer checking account, subject to approval, with the required minimum opening deposit;}

_{b) Use your account’s debit card* at least three (3) times during the qualifying period;}

_{c) Enroll in Personal Online Banking and receive your monthly statements electronically (e-Statements) each statement cycle. Valid email address required for e-Statement delivery;}

_{d) Account must be open for a minimum of 30 days and maintain a positive balance.}

_{Eligibility: All requirements must be completed within the “qualifying period”. The account must also be open for at least 30 calendar days and have a positive balance at the end of the “qualifying period” to be eligible for the bonus. This offer is available only to new Quad City Bank & Trust (QCBT) clients who have not held any consumer checking account with QCBT in the past 12 months. Current consumer checking clients of QCBT are not eligible for this bonus offer. Business accounts are not eligible for this promotion. Quad City Teen Checking account is not eligible for this offer. Must be an Iowa or Illinois resident to open an account.}

_{Bonus Payment: The bonus will be deposited into your new QCBT consumer checking account within 30 calendar days after all of the qualifying requirements are met, provided the requirements were met within the “qualifying period”, the account is active and has a positive balance at the time of the bonus payment.}

_{Additional terms: Minimum opening deposit requirements range from $25 - $50, depending on the checking account type. (For Example, Bank On Checking minimum - $25 and U Account Checking- $50). This offer is limited to one bonus per customer, per account, and will be paid to the primary owner.Offer cannot be combined with other offers.}

_{Promotion ends December 31, 2026 and is subject to change without notice.}

_{Paper Statement Fee: The U Checking Account has a $5 paper statement fee per statement cycle if the account receives paper statements. Valid email address is required for eStatements. Fees may reduce earnings.}

_{Annual Percentage Yield (APY). APY will range from 0.00% - 3.50% depending on the account type that is opened. APY is accurate as of December 15, 2025 and is not an introductory rate. Additional account requirements will apply for the U Account Checking account to obtain the premium APY. Rate may change after account opening. Visit www.qcbt.bank for more information on the consumer checking account products.}

_{²REFER-A-FRIEND BONUS OFFER: To receive the $ 50.00 Quad City Bank & Trust (QCBT) Refer-A-Friend bonus, refer a new client to open a consumer checking account (subject to approval) and all of the following requirements have been met on the new client’s account within 90 calendar days of account opening (“qualifying period”):}

_{·Account has been funded with a minimum of $50;}

_{·QCBT Visa Debit Card ordered at the time of account opening, received and activated;}

_{·The QCBT Visa Debit Card* has been used at least once before the end of the “qualifying period”.}

_{Additional terms of the Refer-A-Friend bonus offer: New client’s account must be opened a minimum of 30 calendar days and have a positive balance at time of bonus payment. New client cannot have a previously closed QCBT checking account within the past 12 months. Only new consumer checking clients eligible. Cannot be combined with other offers. Must be an Iowa or Illinois resident to open an account and be eligible for the offer. This $50.00 Refer-A-Friend bonus is an ongoing offer however the bank has the right to change the offer at any time without notice. Refer-A-Friend bonuses are unlimited per client and will be reported to the IRS as applicable. Clients will be responsible for applicable taxes on this bonus. Consult your tax advisor.}

_{Refer-A-Friend Bonus Payment: If all qualifying activity has been met on the new client’s account, the Refer-A-Friend bonus will be paid to both the new and existing clients within 30 calendar days after all of the qualifying requirements are met, provided both the current client and new client accounts are not closed at the time of payout. Bonuses will be applied as a credit to the new client account and referring client’s account.}

_{*Qualifying Transactions for Visa® debit card requirements: Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement. All qualifying transactions must have posted and settled to the account by the last business day of the “qualifying period”.}

_{Important Information: Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you invite.}

_{Tax Information: All bonuses and offers will be reported to the IRS under the primary account owner, as applicable. The primary account owner is the owner whose Taxpayer Identification Number (TIN), such as a Social Security Number (SSN), is assigned to the account and has tax responsibility. Client will be responsible for taxes on this bonus. Consult your tax advisor.}