CHRISTMAS CLUB SAVINGS

| Compare Accounts | Savings |
|---|---|
| Minimum Opening Deposit | $200.00 |
| Minimum Balance | $200.00** |
| Monthly Maintenance Fees | $0.00 |
| Free Online Banking | |
| Free Telephone Banking | |
| Free ATM Use at Cowboy State Bank | |
| Free Visa Check Card | |
| Free Checks | |
| Free Cashiers Checks and Money Orders | |
| Unlimited Check Writing | |
| Overdraft Privilege | |
| Monthly Statements | Annually |
| Check Images | |
| Earnings | 0.25% APY* |
| Conditions | Statement cut and club payout on October 31. If balance is greater than $200 at statement time and no withdrawals were made, customer receives a $10 bonus. |
*APY = Annual Percentage Yield


