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_{^*U Account Annual Percentage Yield (APY): APY is accurate as of December 15, 2025, and is not an introductory rate. Rates may change after account opening. You must have a minimum opening deposit of $50. The base rate for this account is 0.01% APY and applies to the daily balance in the account. There are no account requirements to earn this rate/APY. The premium rate of 3.49% is for daily balances up to $10,000 when account requirements are met. This premium rate is in addition to the base rate.}

_{To obtain the premium APY, you must meet the following account requirements per statement cycle:}

• _{A minimum of 15 Visa® Debit Card transactions posted per statement cycle;}
• _{Receive your monthly statement via eStatements with a valid email address.}

_{Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your Quad City Bank & Trust Visa® 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. Transactions must have posted and settled to the account by the last business day of the statement cycle.}

_{If account requirements are met: Rates will be paid for that portion of your daily balance that is in each tier. Premium interest is paid separately from the base interest. The portion of your daily balance of $10,000 or less will earn the premium 3.49% APY plus base 0.01% APY, which is a total of 3.50% APY. Daily balances of $10,000.01 or more will earn a range of 3.50% to 0.29% APY.}

_{If account requirements are not met: The account will earn 0.01% APY on the entire daily balance. In addition, if the eStatement requirement is not met, a $5 Paper Statement Fee will be assessed monthly. Valid email address is required for eStatements.}

_{Non-QCBT ATM Fee Refunds: ATM fees will be refunded up to a maximum of $30 per statement cycle. QCBT also provides a network of surcharge free ATMs to our clients through the Privileged Status Network. We encourage you to use these surcharge free ATMs or a QCBT ATM whenever possible to avoid ATM fees.}

_{Fees may reduce earnings. Accounts closed within 90 days will be charged $25.00. Limit 2 U Accounts per Social Security Number. Member FDIC}