Business Checking

Business Accounts with higher level of activity

     - This account requires a minimum of $100.00 to open

     - Monthly Analysis fee $15.00

     - Transaction fee per debits. .20 each

     - Transaction fee per credits. .25 each

     - Transaction fee per deposited item  .02 on us / transit .06

     - Analysis Credit is based on Federal Home Loan Bank of Topeka Line of Credit rate
       minus 35 basis points

     - * A negative daily average average balance will incur a fee of Federal Home Loan Bank of
       Topeka Line of Credit rate plus 4%