COWBOY REWARDS CHECKING

| Features | Rewards Checking | 
|---|---|
| Minimum Opening Deposit | $100.00 | 
| Minimum Balance | $0.00 | 
| Monthly Maintenance Fees | $0.00 | 
| Free Online Banking | |
| Free Telephone Banking | |
| Free ATM Use at Cowboy State Bank | |
| Free Visa Check Card | |
| Free Checks | First 40 | 
| Free Cashiers Checks and Money Orders | |
| Unlimited Check Writing | |
| Overdraft Privilege | Subject to approval | 
| Monthly Statements | |
| Check Images | |
| Earnings | 0.25% APY* | 
| Conditions | 
  | 
*APY = Annual Percentage Yield


