Cowboy Bank

A table with information about personal checking and savings accounts
Account Type	Account Overview	Minimum Deposit to Open	Service Charge	Paper Statement Fee	*Interest Rates (APY)
Personal Checking	Free Debit Card Unlimited Check Writing Free Online BillPay Free Internet Banking Free Mobile Banking Free Mobile Deposit Free Text Banking Free Monthly e-Statements; Optional $4.00 Per Month for paper Statements No Minimum Balance Required No Monthly Service Charge	$100.00	N/A	$4.00	Click Here for Rate Information
Personal Interest Checking	Interest Bearing; Compounded and Paid Monthly Free Debit Card Unlimited Check Writing Free Online BillPay Free Internet Banking Free Mobile Banking Free Mobile Deposit Free Text Banking Free Montly e-Statements; Optional $4.00 Per Month for Paper Statements Earn Interest on Any Balance $5.00 Service Charge if Balance Falls Below $2,000.00 During the Statement Cycle	$2,000.00	$5.00 if balance falls below $2,000.00 during the statement cycle	$4.00	Click Here for Rate Information
Personal Money Market	Interest Bearing; Compounded and Paid Monthly Free Debit Card Unlimited Check Writing Free Online BillPay Free Internet Banking Free Mobile Banking Free Mobile Deposit Free Text Banking Free Montly e-Statements; Optional $4.00 Per Month for Paper Statements Earn Interest on Any Balance $20.00 Service Charge if Balance Falls Below $10,000.00 During the Statement Cycle	$10,000.00	$20.00 if balance falls below $10,000.00 during the statementcycle	$4.00	Click Here for Rate Information
Personal Savings	Free Internet Banking Free Mobile Banking Free Mobile Deposit Free Text Banking Free Quartely e-Statements; Optional $4.00 Per Month for Paper Statements Earn Interest on Any Balance No Monthly Service Charge	$100.00	N/A	$4.00	Click Here for Rate Information

A table with information about Certificates of Deposit
Account Type	Account Overview	Minimum Deposit to Open	Service Charge	Paper Statement Fee	*Interest Rates (APY)
7 Month CD Special	$1,000.00 Minimum Deposit to Open a Special CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1000.00	N/A	N/A	Click Here for Rate Information
13 Month CD Special	$1,000.00 Minimum Deposit to Open a Special CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00	N/A	N/A	Click Here for Rate Information
182 Day CD	$1,000.00 Minimum Deposit to Open a Special CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00/$100,000.00	N/A	N/A	Click Here for Rate Information
12 Month CD	$1,000.00 Minimum Deposit to Open a Traditional CD $100,000.00 Minimum Deposit to Open a Jumbo CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00/$100,000.00	N/A	N/A	Click Here for Rate Information
24 Month CD	$1,000.00 Minimum Deposit to Open a Traditional CD $100,000.00 Minimum Deposit to Open a Jumbo CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00/$100,000.00	N/A	N/A	Click Here for Rate Information
36 Month CD	$1,000.00 Minimum Deposit to Open a Traditional CD $100,000.00 Minimum Deposit to Open a Jumbo CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00/$100,000.00	N/A	N/A	Click Here for Rate Information
48 Month CD	$1,000.00 Minimum Deposit to Open a Traditional CD $100,000.00 Minimum Deposit to Open a Jumbo CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00/$100,000.00	N/A	N/A	Click Here for Rate Information
60 Month CD	$1,000.00 Minimum Deposit to Open a Special CD Interest Payable monthly or at maturity – Paid into checking, savings, or rolled into CD account Single maturity or automatic renewal with a 10-business day grace period Free Internet Banking Free Mobile Banking Free Text Banking	$1,000.00/$100,000.00	N/A	N/A	Click Here for Rate Information

Additional terms and conditions may apply. Account terms and conditions may be amended at any time. Accounts may be closed if the account remains at a zero balance for 60 days.

* The Annual Percentage Yield (APY) assumes interest payments are compounded monthly, on CD & Demand Accounts, and quarterly, on Savings Accounts, and will remain on deposit. A withdrawal may reduce earnings. Fees may reduce earnings. Accrued interest payable will not be paid if closed before interest is paid.

All rates are set by the Board of Directors of Cowboy Bank and are subject to change at any time.

Personal Checking and Savings Accounts

Certificate of Deposit