West Texas State Bank

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WTSB REWARD CHECKING

ABOVE MARKET RATES ON A FREE CHECKING ACCOUNT

To earn the Bonus-Rates, perform the following each statement cycle:

1. Make at least 10 debit card transactions (excluding ATM transactions)
2. Receive a monthly Electronic Statement
3. One direct deposit or ACH Auto Debit
4. Access online banking

Base Rate if requirements are not met	0.10% APY (0.10% rate)
Bonus Rate on your balance of $0.01 to $25,000	2.50% APY*(2.48% rate)
Bonus Rate on you balance over $25,000	1.00% APY*(1.00% rate)

2.50% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 1.00% APY paid on all amounts above $25,000 each statement cycle the minimum requirements are met. If you do not meet the requirements per statement cycle, your account will still function as a FREE checking account earning 0.10% APY. Rates as of January 2, 2009. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. NO monthly service charge.

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