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

Overdraft Privilege Service

Have You Eever...

Made a mistake in your checkbook?
Forgotten to record a deposit? A purchase? A withdrawal? A check order?
Had to "guess" at what transactions a joint owner has made?
Had a transaction denied or turned down at checkout?
Had the embarrassment and expense of a returned check?

We cannot promise or guarantee these things will never happen. What we can do is...

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned ODP Limit. You do not have to apply for this service and you do not need to sign any additional documents. It is already a part of your checking account agreement with us. With some exceptions, most of our checking account types are eligible for this service. If you use the ODP service, you will be charged our customary fees. If you do not use the ODP service, it costs you nothing.

ODP Can Mean...

You may avoid high charges from merchants from returned checks
You may avoid the embarrassment and inconvenience of denied purchases and dishonored checks
Payment of your occasional and inadvertent overdrafts up to your assigned ODP limit will normally be considered. This limit includes our customary fees. Our fees will be added to any outstanding overdrafts you may have and will be applied against your ODP limit

Of course, we can't promise to pay every overdraft and we are never obligated to pay your overdrafts, even if your account is in good standing and even though we may have previously paid overdrafts for you.

If you have questions concerning the ODP service, please contact a Customer Service Representative at one of our locations.

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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 2.25% 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 April 19, 2012. 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.