*These rates may change at any time without prior notice. The stated rate may change after your account is opened.

Fees may reduce earnings. Minimum opening balance for all checking, money market and savings accounts is $100.00 (except UTMA Custodial Savings Account).

Minimum opening balance for a Certificate of Deposit is $1000.00

¹ When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle:. Interest Rate of 5.37% will be paid for the portion of your daily balance that is up to and including $15,000. Interest Rate of 0.25% will be paid for the portion of your daily balance that is over $15,000

² The lower range of the annual percentage yield is calculated assuming a daily balance of $100,000.

³ When Kasasa Cash account qualifications are NOT met during a Monthly Qualification Cycle: Interest Rate of 0.10% will be paid on your entire daily balance

⁴ When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle: Receive 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle. When Kasasa Cash Back account qualifications are NOT met during a Monthly Qualification Cycle: No cash back payments are made. No minimum balance is required to earn or receive the account’s rewards.

⁵ Must have Kasasa Cash or Kasasa Cash Back account

⁶ When Kasasa Saver Linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle: Interest Rate of 1.98% will be paid for the portion of your daily balance that is up to and including $50,000. Interest Rate of 1.00% will be paid for the portion of your daily balance that is over $50,000.

⁷ The lower range of the annual percentage yield is calculated assuming a daily balance of $150,000 and an assumed statement cycle of 31 days.

⁸ When Kasasa Cash or Kasasa Cash Back account qualifications are NOT met during a Monthly Qualification Cycle: Interest Rate of 0.10% will be paid on your entire daily balance.

Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within 1 day.

⁹ If daily balance for each billing cycle is within one of the above ranges, you will earn the interest rate (and corresponding annual percentage yield) disclosed for that range.

¹⁰ Interest Rate of 0.10% will be paid for the portion of your daily balance that is $9,999.99 or less. Interest Rate of 0.40% will be paid for the portion of your daily balance that ranges from $10,000 to $24,999.99. Interest Rate of 0.40% will be paid for the portion of your daily balance that ranges from $25,000 to $74,999.99. Interest Rate of 0.65% will be paid for the portion of your daily balance that is $75,000.00 or more.

¹¹ Minimum balance to obtain stated APY is $28.00.

¹² Minimum balance to obtain stated APY is $5.00. Rate only valid on Savings accounts that adhere to the requirements of the “Missouri Transfers to Minors Law”.

¹³ Minimum balance to earn APY is $16.00

Trademarks: Kasasa, Kasasa Saver, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

INTEREST

• The interest will be paid until the maturity date of the certificate.
• Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity.
• Interest begins to accrue on the date of deposit.
• We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day.
• Withdrawal of interest prior to the maturity date may reduce earnings. The annual percentage yield assumes that interest will remain on deposit until maturity.

CERTIFICATE OF DEPOSIT INTEREST TYPE

Fixed Rate: The interest rate will be paid until the maturity date of the certificate.

RENEWAL

Automatically Renewable: The Certificate of Deposit will automatically renew on each succeeding maturity date. Each renewal term will be the same as the original term, beginning on the maturity date at the current rate of interest, unless the certificate terms are amended by the customer within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days. We will not automatically renew the certificate and no interest will accrue after maturity, (1) If you tell us not to do so, in writing on or before the next maturity date, or (2) if you present this certificate to us for payment within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days, or (3) if notified by us 5 days before the next maturity date.

WITHDRAWALS AND DEPOSITS

• Minimum deposit for a Certificate of Deposit is $1000.00
• After this account is opened, deposits and withdrawals are not permitted until the maturity date.
• If the account is closed before accrued interest is credited, the accrued interest will be forfeited.
• If any of the deposit is withdrawn before the maturity date, the following penalties will be imposed:

For Terms of 14 Days up to and Including 90 Days: The penalty will be one (1) month of interest on the amount withdrawn.

For Terms of 91 Days up to and Including One Year: The penalty will be three (3) months of interest on the amount withdrawn.

For Terms of Greater Than One Year: The penalty will be six (6) months of interest on the amount withdrawn.

IRA PENALTIES

• Effective July 15, 2008, there will be an IRA transfer fee of $25.00
• Please see your IRA plan for all applicable fees and penalties

Please contact a Commercial Bank representative for further information concerning applicable fees and terms.