Verus Bank

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	Derby - Main Bank 1033 N. Buckner PO Box 330 Derby, KS 67037 316-788-1111



	Derby - Rock Road 601 N. Rock Road PO Box 330 Derby, KS 67037 316-788-2222



	El Dorado - West Central 225 Village Road PO Box 950 El Dorado, KS 67042 316-321-1500



	El Dorado - Downtown 640 N. Main PO Box 950 El Dorado, KS 67042 316-322-9200



	Augusta 2330 Ohio PO Box 200 Augusta, KS 67010 316-775-2200

Business Savings Accounts

V Business Savings*

Our business savings account that delivers service, affordability, convenience and security.

No monthly maintenance fee if a $100 minimum daily balance maintained ($3 if below)
No charge for first three withdrawals per month ($1 each if over three)
$100 initial deposit

Rates effective as of: 02/01/12
	Interest Rate	Annual Percentage Yield
$0 - 4,999.99	.10	.10
$5,000.00 - 9,999.99	.10	.10
$10,000.00 - 24,999.99	.20	.20
$25,000.00 - 49,999.99	.20	.20
$50,000.00 - 99,999.99	.25	.25
$100,000.00+	.25	.25

We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The rate on your account is determined at bank discretion and may change daily. The period we use is quarterly and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded and credited to the account quarterly. Fees could reduce earnings.

*Pursuant to Federal Regulation D, transfers to another account or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle.

Money Market**

The money market account that delivers maximum flexibility, fast cash and great returns.

No monthly maintenance fee if $1,000 daily balance or $2,500 average daily
balance of maintained ($5 if below)
No charge for first six withdrawals or debits per statement cycle ($2 per debit after six)
Tiered interest rates
$1,000 initial deposit

Rates effective as of: 02/01/12
	Interest Rate	Annual Percentage Yield
$0 - 4,999.99	.15	.15
$5,000.00 - 9,999.99	.15	.15
$10,000.00 - 24,999.99	.25	.25
$25,000.00 - 49,999.99	.25	.25
$50,000.00 - 99,999.99	.25	.25
$100,000.00+	.25	.25

We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The rate on your account is determined at bank discretion and may change daily. The period we use is a statement cycle and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. Interest will be compounded and credited to the account each statement cycle. A minimum average daily balance must be maintained to obtain the disclosed annual percentage yield.

**Pursuant to Federal Regulation D, transfers to another account or to third parties by pre-authorized, automatic, or telephone transfers are limited to six per statement cycle.

Certificates of Deposit

Verus Bank offers Certificates of Deposit ranging from 91 days to 5 years in maturity. Our Certificates of Deposit may be opened with a minimum deposit of $1,000. You may choose a short term Certificate of Deposit or lock in an attractive rate for a longer period of time.

Rates effective as of: 02/01/12
CD Term	Interest Rate	Annual Percentage Yield
6 Months	.15	.15
12 Months	.25	.25
18 Months	.40	.40
24 Months	.40	.40
36 Months	.50	.50
48 Months	.50	.50
60 Months	.50	.50

A penalty may be imposed for early withdrawal.

To open your account, call for details.

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All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs"). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

V-Rewards Checking Member FDIC. Reward rates of 3.00% Annual Percentage Yield (APY) paid on balances between one penny and $15,000, and 0.20% APY paid on all amounts above $15,000 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning a Base Rate of 0.05% APY, however, it will not receive ATM fee refunds for that time period. Rates as of April 20, 2011. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. However, you must deposit $100 to open this account. Available to personal accounts only. No monthly service charge.