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CHECKING ACCOUNT DISCLOSURES FOWLER STATE BANK

Fowler
Box 50 - 401 Main Street
Fowler, KS 67844-0050
Tele: 620-646-5253
Fax: 620-646-5335

Meade
Box 130 - 115 E. West Plains
Meade, KS 67864-0130
Tele: 620-873-2138
Fax: 620-873-2173

Cimarron State Bank
Box 228 - 906 E Avenue A
Cimarron, KS 67835-0228
Tele: 620-855-2874
Fax: 620-855-2878

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

REGULAR CHECKING

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

Account Fees: $7.00 Monthly Maintenance Fee. No Fee if Minimum Daily Balance of $500 or Minimum Average Daily Balance of $1,000. 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.

COMMERCIAL CHECKING

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

Account Fees: Monthly Maintenance Fee of $5.00 plus $.15 per check, transfer or ATM debit transaction. Credit per $100 Minimum Daily Collected Balance $.30 per Month.

RETIREMENT CHECKING

Account for Senior Citizens receiving Social Security.

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

Account Fees: No Monthly Maintenance Fees.

STUDENT CHECKING

Account for Students prior to College graduation.

Limitations: You must deposit $50.00 to open this account.

Account Fees: No Monthly Maintenance Fees.

SUPER NOW

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance to calculate interest on your account. Interest is paid for the days in which your account maintains a minimum balance of $1,000, and no interest is paid on those days in which your account falls below $1,000. If the account is closed before the accrued interest is credited to the account, the accrued interest will not be paid.

Limitations: You must deposit $1,000.00 to open this account.

Account Fees: $8.00 Monthly Maintenance Fee if Average Daily Balance is less than $1,000. 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.

MONEY MARKET CHECKING

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance to calculate interest on your account. Interest is paid for the days in which your account maintains a minimum balance of $1,000, and no interest is paid on those days in which your account falls below $1,000. If the account is closed before the accrued interest is credited to the account, the accrued interest will not be paid.

Limitations: Limitations on frequency of transfers – You may make six (6) transfers from your account each four (4) week or similar period. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure.

Account Fees: $8.00 Monthly Maintenance Fee if Average Daily Balance is less than $1,000. 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.