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

V-Rewards Checking *

Rates effective as of: 05/01/13
	Interest Rate	Annual Percentage Yield
Reward Rate
$0 - $10,000.00	1.74	1.75
$10,000.01 +	0.10	0.10
Base Rate	0.05	0.05

Reward Rate Qualifications:

Have at least 12 debit card transactions post and clear per qualification cycle
Have at least 1 automatic payment or direct deposit post and clear per qualification cycle
Enroll and Receive Electronic Statement

Verus-Plus Checking**

Rates effective as of: 05/01/13
Interest Rate	Annual Percentage Yield
0.10	0.10

Requires direct deposit
No minimum balance required
Unlimited withdrawals and checks
No monthly maintenance fee
Check image retention required
$100 initial deposit

Interest Checking**

Rates effective as of: 05/01/13
	Interest Rate	Annual Percentage Yield
$0 - 4,999.99	0.05	0.05
$5,000.00 - 9,999.99	0.10	0.10
$10,000.00 - 24,999.99	0.10	0.10
$25,000.00 - 49,999.99	0.10	0.10
$50,000.00 - 99,999.99	0.10	0.10
$100,000.00+	0.10	0.10

No monthly maintenance fee when minimum daily balance of $1,000 or average daily
balance of $2500 is maintained ($8 fee if below)
Unlimited withdrawals and checks
Imaged checks included with your statement

To open your account, call for details.

* Patent Pending, BancVue, LTD. Reward Rate 1.75% APY paid on balances between one penny and $10,000, and 0.10% APY paid on all amounts above $10,000 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 Base Rate 0.05% APY; however, it will not receive ATM fee refunds for that time period.

* * We use the daily-balance method to calculate 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 your account each statement cycle. Fees could reduce earnings. Verus Bank may change the interest rate and APY at any time after the account is opened.

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

V-Rewards Checking Member FDIC. Reward rates of 1.75% Annual Percentage Yield (APY) paid on balances between one penny and $10,000, and 0.10% APY paid on all amounts above $10,000 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 January 19, 2013. 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.

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Verus Bank does not endorse or guarantee the products, information, or recommendations provided by linked Web sites. Verus Bank is not liable for any failure of products or services advertised on these sites. Third party sites may have a privacy policy that is different from that of Verus Bank. Any linked third party Web sites may provide less security than the Verus Bank Web site.