This page contains rules which govern your accounts with us. Please read this page and if you have any questions, please feel free to contact us. Throughout this page, the term "we," "us" or "Bank" means our financial institution and the term "you" or "your" means you, the Customer(s).

Applicable Law. Your accounts and the provisions herein are governed by the applicable laws and regulations of the United States, and the state where the Bank is located, including but not limited to, the Uniform Commercial Code; and laws regulating transfers at death, and estate and other taxes. All deposits to and withdrawals from any account are subject to such laws as the terms and provisions herein and any agreement executed in conjunction herewith.

Deposits. Any Customer may make deposits in an account at any time Bank is open for business. Deposits other than cash shall be given credit according to Bank's existing policies pertaining to funds and availability. Bank is authorized to send checks or other items for collection to other banks, or through any channel or agent at its discretion, and such noncash items and their proceeds may be forwarded to and handled by any Federal Reserve Bank in accordance with applicable Federal Reserve rules. The Bank will not be liable for loss in transit or for negligence or default of other banks, or agents or sub-agents.

Withdrawals. Withdrawals may be written order, check, or on other forms furnished by Bank. Bank, may also, at its discretion, allow withdrawals from this account by use of automated teller machines. Bank reserves the right at any time to require at least seven (7) days' written notice before each withdrawal or transfer from a Savings Account, Money Market Deposit Account or NOW Account.

Fees. Your accounts may be subject to fees assessed by Bank from time to time. Such charges may be charged directly to Customers' account.

Stop Payment. If Customer requests Bank to stop payment on any item, Bank must be furnished with the item's exact amount, date, number, and name of payee plus any other information Bank may request. Failure to provide Bank with the same shall relieve Bank of any liability in the transaction. Customer agrees to reimburse Bank for any expenses or losses that might occur therein. Requests must be made within regular business hours, and these requests are subject to the terms on the forms used for such purposes.

Set-Off. Bank may charge to or offset any of the Customer's Accounts, or any Multiple Party Account to which the Customer is a party ("Multiple Party Account") against any Obligation then owed to Bank by Customer, or any Obligation then owed to Bank by any other party to a Multiple Party Account. (The terms "Account" and "Multiple Party" include any liability or indebtedness of Bank to its customer, including but not limited to time, savings, checking, money market or "NOW" deposit accounts; certificates of deposits and any money owing to its customer or in Bank's possession for collection or exchange; and any repurchase agreement or other nondeposit obligations. The term "Obligation" includes each and every debt, liability and obligation of every type and description which a customer may at any time owe to Bank, whether such debt, liability or obligation now exists or is hereafter incurred, and whether it is or may be direct or indirect, due or to become due, absolute or contingent, primary or secondary, liquidated or unliquidated, joint, several, or joint and several).

Resolutions. Corporations, partnerships, proprietorships, associations, and other organizations must provide Bank (at Bank's request) with proper and up-to-date deposit and withdrawal authorizations/resolutions.

Bank's Liability. Bank's liability to Customer is limited to any action or failure to act in which Bank does not perform in good faith and exercise reasonable care.

Statements. Statements will be periodically prepared by Bank and mailed to Customer, or Customer may call and claim the same within a reasonable time. Lost statements become Customer's responsibility. Also, unless otherwise noted herein, Customer must contact Bank within thirty (30) days of receipt of such statements should Customer find any errors, discrepancies, or forgeries therein, or the stated balance will be considered correct.

Changes. Bank may change the terms applicable to your account from time to time. All changes and any notifications required in conjunction therewith shall comply with applicable law.

Termination. Bank may close any account at anytime, at its discretion, by giving Customer written notice made pursuant to applicable law and the terms and conditions applicable to the account, and mailing the balance to Customer. If an account is a joint account, notice by Bank to any one Customer shall be considered to be notice to all Customers.

I. ELECTRONIC FUNDS TRANSFERS.

The following disclosure is provided pursuant to the Electronic Funds Transfer Act and Regulation E.

1. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS.

(Notify us immediately at 785-543-6541 or after hours at 800-472-3272 if you believe your card has been lost or stolen.) Telephoning is the best way to minimize your possible losses. You could lose all the money in your account. If you tell us within 4 business days, you can lose no more than $50 if someone used your card without permission. If you do NOT tell us within 4 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you can lose as much as $300. If your statement shows transfers that you did not make, please notify us. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

2. TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSFER

If you believe someone has transferred or may transfer money from your account without your permission, call or write us at:

Farmers National Bank
P.O. Box 546 - 759 State Street
Phillipsburg, KS 67661
(785) 543-6541

Bank Hours:
Monday thru Thursday	8:00 a.m. - 4:00 p.m.
Friday	8:00 a.m. - 5:00 p.m.
Saturday	Closed
Drive up window
Monday thru Thursday	8:00 a.m. - 5:00 p.m.
Friday	8:00 a.m. - 5:30 p.m.
Saturday	8:00 a.m. - 11 a.m.

3. BUSINESS DAYS OF INSTITUTION

Our business day is every day except Saturday, Sunday and federal holidays.

4. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

We will disclose information to third parties about your account or transfers you make:

• where it is necessary for completing transfers;
  or
• in order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant;
  or
• in order to comply with government agency or court orders;
  or
• if you give us your written permission.

5. TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS

You may:
1. Withdraw cash from checking and savings accounts.
2. Make deposits to checking and savings accounts.
3. Transfer funds betweeen checking and savings accounts whenever you request.

We are equipped to handle the following types of preauthorized transfers:
1. Accept direct deposits to your checking and savings accounts.
2. Pay certain recurring bills from your checking and savings accounts.

The following additional limitations ("Authorization Limits") are applicable to your VISA Check Card transactions on all of your accounts (on a combined basis):

• Maximum amount of any single purchase of goods or services: $1,000.
• Maximum amount of any single cash withdrawal at a participating financial institution: $500.
• Maximum amount of all outstanding* purchases of goods or services (combined): $3,000.
• Maximum amount of all outstanding* cash withdrawals obtained
  from institutions and ATM's (combined): $1,000.
• Maximum daily** cash withdrawals at ATM's (combined): $500.
• Maximum amount of any single cash withdrawal at an ATM: $500.

*Maximum limit applies to all Card transactions of the designated type that are "outstanding" (previously-authorized but not yet settled) at any one point in time.

**This daily limit applies to each separate business day. For purposes of this limit, each week is deemed to have six business days (Saturday and Sunday jointly constituting a single business day).

The above limits may be changed from time to time hereafter.

Moreover, transfers from all accounts will be limited to the balance in each such account that is available for immediate withdrawal.

6. FEES AND CHARGES

There is no charge imposed by Farmers National Bank for the use of your card. A fee may be incurred at an ATM for a cash withdrawal. If a transfer is initiated from an ATM that is not operated by the Issuer, a fee may be imposed.

7. RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS

If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, we will let you know if the deposit is made.

You can call to find out whether or not the deposit has been made. You will get a monthly account statement on checking accounts unless there are no transfers in a particular month. In any case, you will receive a statement at least quarterly.

You will receive a notice of transaction on savings accounts. In any case you will receive a statement semi-annually.

8. RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS, PROCEDURE FOR DOING SO, RIGHT TO RECEIVE NOTICE OF VARYING AMOUNTS, AND LIABILITY FOR FAILURE TO STOP PAYMENT.

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Please notify us with your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. We will charge you $5 for each stop payment order you give us.

If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set). If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

9. FINANCIAL INSTITUTION'S LIABILITY FOR FAILURE TO MAKE TRANSFERS

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• If the transfer would go over the credit limit on your overdraft line.

There may be other exceptions stated in our agreement with you.

10. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER

• Telephone or write us as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.
• Tell us your name and account number.
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
• If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 business days if the transaction occurred within 30 days after the opening deposit to the applicable account was made) after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days (90 days if the transaction was not initiated within a state, resulted from a point of sale transaction or occurred within 30 days after the opening deposit to the applicable account) to investigate your complaint or question. If we need more time, we will re-credit your account within 10 business days (20 business days if the transaction occurred within 30 days after the opening deposit to the applicable account was made) for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit your complaint or question in writing and do not receive it within 10 business days, we may not re-credit your account.
  If we decide that there was no error, we will send you a written explanation within 3 business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation. If there was no error, any temporary re-credit that may have been made to your account will be reversed.

II. ABILITY TO WITHDRAW FUNDS

The following disclosure is provided pursuant to the Expedited Funds Availability Act and Regulation CC:

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposit funds will be available by 9:00am on the settlement date. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made the funds available to you and you have withdrawn them, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before 11:00am at our Agra office or before 4:00pm at our Phillipsburg, Logan, Kensington, Stockton, or Atwood office, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the times stated above or on a day that we are not open, we will consider the deposit to be made on the next business day we are open.

Longer delays may apply........

In some cases we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period of time under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,525 on any one day (the first $225 of this deposit will be available to you on the first business day).
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

If you are a new customer, the following special rules will apply to you during the first thirty days your account is open. Funds from electronic direct deposits to your account will be available on the settlement date. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of Cashier's, Certified, Teller's Traveler's, and Federal, State, and Local Government Checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a US Treasury Check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the tenth business day after the day of your deposit.

III. ACCOUNT TERMS.

The following disclosure is provided pursuant to the Truth in Savings Act and Regulation DD.

This disclosure contains information about your:

NOW Account

• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Interest will be accrued daily and credited to your account monthly.
• We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day.

Passbook Savings Account

• Your interest rate and annual percentage yield may change. We may change the interest rate on your account quarterly at our discretion.
• Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Interest will be accrued daily and credited to your account quarterly.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Money Market Account

• Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.
• Interest begins to accrue no later than the business day we receive the credit for the deposit of noncash items (for example, checks).
• Interest will be accrued daily and credited to your account monthly.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Certificates of Deposit

• The interest rate for your account is fixed and will be paid until the maturity date of your certificate.
• Interest is accrued daily. For 3-month CDs, interest will be paid quarterly. For all other CDs, interest will be paid semi-annually.
• Interest begins to accrue no later than the business day we receive credit for deposit of noncash items (for example, checks).
• This certificate may automatically renew at maturity. You will have ten (10) calendar days from the maturity date to withdraw your funds without being charged a penalty. If not automatically renewed, no interest is paid after maturity).
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the certificate each day.
• If any of the deposited funds are withdrawn before the maturity date, a penalty as shown below will be imposed:

• The annual percentage yeild assumes interest remains on deposit until maturity.

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