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Default 09-25-2006, 09:45 PM



Bonuses from MidAmerica Bank:

$200 travel bucks for Ultimate Checking account

$100 travel bucks for Totally Free checking account

$100 travel bucks for money market account

$100 travel bucks for 200-day CD

$200 travel bucks for Closed Home Equity Line of Credit


I do not think that you can combine bonuses but you may want to double-check this. If you can, then you can get, for example, $500 for two checking accounts, a money market account and a CD.


VOUCHER TERMS AND CONDITIONS: Voucher is valid on bookings made by November 15, 2007 • Verification of account opening and good standing provided by MidAmerica Bank to Vacation Together, Inc. (VTI) to secure reservation • One voucher per reservation • Vouchers are not transferable • Valid on cruises and vacation packages only (vacation package consists of at least air and hotel) • Not valid on airline ticket purchase only • Discount may only be redeemed through VTI • In the event of cancellation, no refund will be given on the discounted amount • Once reservations are confirmed, certain cancellation and change penalties will apply • See tour operator rules for additional terms and conditions. All travel arrangements are provided by third party tour operators. MidAmerica Bank, VTI and their respective officers and directors shall not be liable for any bodily injury, personal injury, property damage, or loss arising out of the participation of any cruise or vacation package and expressly disclaim any liability for any injury, property damage and/or loss, delay, change of itinerary, shortened vacation time, inconvenience or additional expenses.


TOTALLY FREE CHECKING TERMS:
*Minimum to open account and receive voucher is $50. New money only. Offer not available on account conversions or additional checking accounts. TRAVEL BUCK$ VOUCHER: mailed within 2-3 weeks upon proof of direct deposit being established on checking account. Recipient responsible for personal tax liability for voucher utilization. Not valid in combination with other offers.



ULTIMATE CHECKING TERMS:
*Annual Percentage Yields (APY) are accurate as 9-11-06. Fees could reduce earnings. Variable interest rate may change after account is opened. Minimum to open account and receive voucher is $50. New money only. Offer not available on account conversions or additional checking accounts. Rates subject to change without notice. TRAVEL BUCK$ VOUCHER: mailed within 2-3 weeks upon proof of direct deposit being established on checking account. Recipient responsible for personal tax liability for voucher utilization. Not valid in combination with other offers.


GREAT RATE MONEY MARKET TERMS:
*Annual Percentage Yields (APY) are accurate as of 9-11-06. Variable rate, tiered account. Rates may change without notice after account is opened and will be set by bank management for specific tiers. Fees could reduce earnings. Transaction limitations may apply. Minimum to open account and receive voucher is $10,000. New money only. Offer not available on account conversions. Rates subject to change without notice. TRAVEL BUCK$ VOUCHER: Given at time of account opening. Recipient responsible for personal tax liability for voucher utilization. Not valid in combination with other offers.


200-DAY CD TERMS:
*Annual Percentage Yield (APY) accurate as of 9-11-06. Substantial penalty for early withdrawal which could reduce APY. Minimum to open account, obtain stated APY, and receive voucher is $5,000. New money only. Rate subject to change without notice. TRAVEL BUCK$ VOUCHER: Given at time of account opening. Recipient responsible for personal tax liability for voucher utilization. Not valid in combination with other offers.


HOME EQUITY LINES OF CREDIT TERMS:
*$200 voucher for closed home equity lines of credit of $150,000 or more; $100 voucher for closed lines of $149,999 or less. In order to receive the promotional interest rate of Prime minus one percent for the life of the loan, you must maintain a minimum drawn balance of $10,000 and maintain an account with MidAmerica Bank from which your loan payments will be electronically debited each month. If the initial loan advance is less than $10,000 or if at any time during the first 180 days from the note date the principal balance is less than $10,000 or if the automatic payment is cancelled during the life of the loan, the interest rate will increase to Prime plus one percent for the remaining term of the loan. MidAmerica Bank's Equity CashLines have a variable interest rate. The Annual Percentage Rate is based on the Prime Rate published in the Money Rates section of The Wall Street Journal on the last publishing date of each calendar month. For borrowers who qualify for Prime minus 1% pricing, the Annual Percentage Rate as of 6/29/06 is 7.35% . Your rate and corresponding APR may be different than the advertised rate and depend on your approved loan amount, loan-to-value ratio, property type, occupancy and credit qualifications. Rates are subject to change at any time without notice and may be higher or lower than the current advertised rate. During the draw period, the maximum Annual Percentage Rate is 25.34% and the minimum Annual Percentage Rate is 4.06%. During the repayment period, the maximum Annual Percentage Rate is 25.00% and the minimum Annual Percentage Rate is 4.00%. An annual fee of $50 is charged after the first year. The Bank will charge $750 if the Home Equity Line of Credit is closed within six (6) months (180 days) from the date of disbursement. The Bank will charge $350 if the Home Equity Line of Credit is closed between the sixth (6th) month (181st day) and twenty-fourth (24th) month from the date of disbursement. During the draw period, payments of interest only will not reduce the loan balance. Appraisal fees apply to properties outside of our lending areas and may apply for properties with two-to-four units. Property, title and/or flood insurance, if applicable, are required. Please consult with a tax advisor about the deductibility of interest. TRAVEL BUCK$ VOUCHER: mailed within 2-3 weeks of home equity loan closing. Recipient responsible for personal tax liability of voucher utilization. Not valid in combination with other offers. See the Bank for complete details.





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