Investor Money Market Account

Rate Information
This Account is an interest bearing account.

If the balance is more than $24,999.99, but less than $100,000.00, the interest rate paid on the entire balance in the account will be 1.49% with an annual percentage yield of 1.50%.

If the balance is more than $99,999.99, but less than $250,000.00, the interest rate paid on the entire balance in the account will be 1.74% with an annual percentage yield of 1.75%.

If the balance is more than $249,999.99, but less than $500,000.00, the interest rate paid on the entire balance in the account will be 1.83% with an annual percentage yield of 1.85%.

If the balance is more than $499,999.99, but less than $1,000,000.00, the interest rate paid on the entire balance in the account will be 1.83% with an annual percentage yield of 1.85%.

If the balance is more than $999,999.99 the interest rate paid on the entire balance in the account will be 1.98% with an annual percentage yield of 2.00%

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. 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. If the account is closed before interest is credited you will not receive the accrued interest. If this account is used as an IOLTA Trust Account, then interest (less applicable fees and service charges) will be sent to the Kansas Bar Foundation, IOLTA Program.

Balance Information
We use the daily collected balance method. You must maintain a minimum balance of $25,000.00 daily collected balance to obtain the disclosed annual percentage yield.

Limitations
You must deposit $25,000.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees
$25,000.00 minimum balance waives monthly base fee: $10.00 monthly base fee; 6 free withdrawals per month, additional withdrawals are $5.00 each (only 3 of these withdrawals can be checks); first 10 deposited items are free (non Douglas County Bank), an in addition will be $.15 each (non Douglas County Bank).