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

Regular Savings

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

No monthly maintenance fee when a minimum daily balance of $100 is maintained.
($3 if below)
Receive three withdrawals/debits each month at no charge.
($1 fee for each withdrawal/debit in excess of three.)
Minimum balance not required for anyone under the age of 18.
Fees could reduce earnings.

To open your account, call for details.

Money Market

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

No monthly maintenance fee when minimum daily balance of $1,000 or average daily
balance of $2500 is maintained.
Should the balance fall below both the minimum balance requirements, there will be a
$5 monthly maintenance fee.
Receive six withdrawals/debits each month at no charge. A $2 fee will apply for each withdrawal/debit in excess of six.
Fees could reduce earnings.

To open your account, call for details.

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

* Denotes current specials

A penalty may be imposed for early withdrawal.

To open your account, call for details.

Individual Retirement Account

Verus Bank offers a variety of IRA options ranging from six months to a maximum of five years. Our IRAs allow you to open with a minimum deposit of $100 and make additional contributions with as little as $25. As a convenience to you, your contributions may be automatically deducted from your checking or savings account.

Rates effective as of: 02/01/12
CD Term	Minimum Balance	Interest Rate	Annual Percentage Yield
6 Months	$2,500	.15	.15
12 Months Contributory	$100	.25	.25
18 Months Variable	$250	.14	.14
18 Months Fixed	$250	.40	.40
24 Months	$250	.40	.40
36 Months	$250	.50	.50
48 Months	$250	.50	.50
60 Months	$250	.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.