4004 W. Hwy 4

Healy, KS 67850

620-398-2215

Regular Checking

**Account Ownership:** Joint Tenants with Right of Survivorship and not as Tenants in Common

**Account Purpose:** Consumer (Personal, Family, Household Purpose)

**Limitations:** You must deposit $100.00 to open this account.

**Account Fees:** Base service charge if the average daily balance falls below $500.00 will be $3.00. The following fees apply to this account:

- Overdraft Fee for your check (or debit) presented against insufficient funds: $22.00 per debit
- Greater than forty (40) debits: $0.10 per debit
- Negative Balance Interest Fee: Any negative balance $5,000 or greater will be charged a negative balance interst fee of 14% per annum for every day the account remains negative $5,000 or greater
- Stop Payment: $15.00 (per request)

Savings

**Account Ownership:** Joint Tenants with Right of Survivorship and not as Tenants in Common

**Account Purpose:** Consumer (Personal, Family, Household Purpose)

**Rate Information:** This Account is an interest bearing account. The interest rate on the account is 0.30% with an annual percentage yield of 0.30%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. We will use an interest accrual bases of 365 for each day in the year. You must maintain a minimum average daily balance of $0.01 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

**Account Fees:** Your account will be assessed a $3.00 quarterly service charge during the statement cycle if the minimum daily balance for the quarter drops below $50.00. The following fees apply to this account:

- More than nine (9) debits: $2.00 per quarter per debit
- Stop Payment: $15.00 (per request)

MMDA

**Account Ownership:** Joint Tenants with Right of Survivorship and not as Tenants in Common

**Account Purpose:** Consumer (Personal, Family, Household Purpose)

**Rate Information:** This Account is an interest bearing account. The interest rate on the account is 0.45% with an annual percentage yield of 0.45%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. We will use an interest accrual bases of 365 for each day in the year. You must maintain a minimum average daily balance of $0.01 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $1,500.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

**Account Fees:** Base service charge fee if the average daily balance for the month falls below $1,500.00 is $5.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The following fees apply to this account:

- Overdraf Fee for your check (or debit) presented against insufficient funds: $22.00 per debit
- More than six (6) debits: $1.00 per month per debit
- Negative Balance Interest Fee: Any negative balance $5,000 or greater will be charged a negative balance interest fee of 14% per annum for every day the account remains negative $5,000 or greater
- Stop Payment: $15.00 (per request)

NOW

**Account Ownership:** Joint Tenants with Right of Survivorship and not as Tenants in Common

**Account Purpose:** Consumer (Personal, Family, Household Purpose)

**Rate Information:** This Account is an interest bearing account. The interest rate on the account is 0.30% with an annual percentage yield of 0.30%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

**Balance Information:** We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. We will use an interest accrual bases of 365 for each day in the year. You must maintain a minimum average daily balance of $0.01 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

**Limitations:** You must deposit $3,000.00 to open this account.

**Account Fees:** Your account will be assessed a $7.50 monthly service charge during the statement cycle if the average daily balance for the month drops below $3,000.00. A service charge of $0.10 per debit item, exceeding forty (40) debits per month. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The following fees apply to this account:

- Overdraft Fee for your check (or debit) presented against insufficient funds: $22.00 per debit
- Negative Balance Interest Fee: Any negative balance $5,000 or greater will be charged a negative balance interest fee of 14% per annum for every day the account remains negative $5,000 or greater
- Stop Payment: $15.00 (per request)

Certificate of Deposits

For more information on Certificate of Deposits and rates, please contact a bank representative.

IRAs

For more information on IRAs and rates, please contact a bank representative.

4004 W. Hwy 4

Healy, KS 67850

620-398-2215

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