# Personal Banking

## Personal Checking Account

**Minimum balance to open the account-** You must deposit $25.00 to open this account.

**Minimum balance to avoid imposition of fees- **If your average daily balance falls below $200.00 for the monthly statement cycle we will impose a service charge fee of $2.00 once during the statement cycle. We will also impose a per check service charge fee of $0.10 for each check paid or other withdrawals during the statement cycle. 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.

If your average daily balance is at least $200.00 but no more than $499.99 for the monthly statement cycle we will impose a per check service charge fee of $0.10 for each check paid or other withdrawals during the statement cycle. 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.

## Super Now Checking Account

For current rate contact us at 417-667-4550

**Rate Information-** Your interest rate and annual percentage yield may change. **Frequency of rate changes-** We may change the interest rate on your account at any time.

**Determination of rate-** At our discretion, we may change the interest rate on your account.

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $1,000.00 to open this account.

**Minimum balance to avoid imposition of fees-** A service charge fee of $7.50 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00. 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.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum average daily balance of $1,000.00 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. The period we use is the monthly statement cycle.

**Average daily balance computation method-** We use the average daily balance method to calculate the 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. The period we use is the monthly statement cycle.

**Accrual of interest on noncash deposits-** Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

**Fees-** A per check service charge fee of $0.20 will be charged for each check. You will earn a credit of $0.084 per $100.00 on your average collected balance. This earnings credit will be applied to the per check service charge fee.

## Regular Savings Account

For current rate contact us at 417-667-4550

**Rate Information-** Your interest rate and annual percentage yield may change. **Frequency of rate changes-** We may change the interest rate on your account at any time.

**Determination of rate-** At our discretion, we may change the interest rate on your account.

**Compounding and crediting frequency-** Interest will be compounded every quarter. Interest will be credited to your account every quarter.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $25.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum average daily balance of $100.00 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. The period we use is the quarterly statement cycle.

**Average daily balance computation method-** We use the average daily balance method to calculate the 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. The period we use is the quarterly statement cycle.

**Accrual of interest on noncash deposits-** Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

**Transaction limitations:** Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to 18 per quarter with no more than six during a month.

**Fees-** A withdrawal fee of $1.00 will be charged for each withdrawal in excess of six during a month.

## Money Market Account

For current rate contact us at 417-667-4550

**Rate Information-** Your interest rate and annual percentage yield may change. **Frequency of rate changes-** We may change the interest rate on your account at any time.

**Determination of rate-** At our discretion, we may change the interest rate on your account.

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $1,000.00 to open this account.

**Minimum balance to avoid imposition of fees-**A service charge fee of $7.50 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1000.00. 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.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum average daily balance of $1,000.00 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. The period we use is the monthly statement cycle.

**Average daily balance computation method-** We use the average daily balance method to calculate the 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. The period we use is the monthly statement cycle.

**Accrual of interest on noncash deposits-** Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

**Transfer limitations-** Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties are limited to six per month.

## Financial Services

**The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.**

Dormant account fee (charged monthly) | $3.00 |

Overdraft-each overdraft paid | $15.00 |

Returned Item-each | $15.00 |

Account Research | $20.00 per hour |

plus | $ .25 per item copied |

Authorized balance inquiries | $2.00 |

Account balancing assistance | $20.00 per hour |

Stop payments-each | $15.00 |

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

**Debit Cards are available for qualified customers. ****ATM Cards are available for all customers.**

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