FREE CHECKING Great checking value PREFERRED CHECKING Our most popular account PORTFOLIO CHECKING Earns interest with low minimum TOP OF THE HILL CHECKING Available to TOTH members MINIMUM OPENING DEPOSIT $0 $100 $500 $100 MINIMUM BALANCE $0 $200 $500 $1,500* MONTHLY SERVICE CHARGE None If daily balance falls below minimum: $5 fee If daily balance falls below minimum: $10 fee None EARNS INTEREST No No Variable rate calculated on daily collected balance; credited monthly; Tiered rates: - up to $2,500, - $2,500 and over None INSTANT CASH & CHECK CARD Free Free Free Free EXTRAS Unlimited check writing Check Safekeeping Unlimited check writing Purchase any style of checks Check images shown on   monthly statement Customers age 62 and over   pay no service charge Unlimited check writing Purchase any style of checks Check images shown on   monthly statement Free Specialty Checks Check images shown on   monthly statement *$1,500 is required in a   combination of checking or   savings accounts, or   $15,000 in time deposits   or investments

MERIT SAVINGS A great savings account for all LIQUID INVESTMENT SAVINGS ACCOUNT (LISA) Higher rates for higher balance LOONEY TUNES CLUB FOR KIDS Just for kids age 12 and under MINIMUM OPENING DEPOSIT $100 $5,000 $25 MINIMUM BALANCE $200 $5,000 $0 MONTHLY SERVICE CHARGE If monthly average balance falls below minimum: $2 fee If monthly average balance falls below minimum: $5 fee None EARNS INTEREST Tiered rates: • Up to $2,500 • $2,500 up to $10,000 • $10,000 up to $25,000 • $25,000 and over Tiered rates: • Up to $5,000 • $5,000 up to $99,999 • $100,000 and over Tiered rates: • Up to $2,500 • $2,500 up to $10,000 • $10,000 up to $25,000 • $25,000 and over WITHDRAWALS Unlimited in person Unlimited in person Unlimited in person EXTRAS Quarterly Statements Quarterly Statements Fill up the savings stamp card and   get a prize from the treasure chest!

Nest Egg Savings Plan
Simply select an amount that you would like to transfer from a checking account to the Merit Savings Account. With the Nest Egg Savings Plan in place, you will also avoid any fees if you happen to go below your minimum savings balance. You will receive an e-statement for periodic updates on your progress in saving towards your goals!

Certificates of Deposit
Why take chances? CDs are among the very safest investments you can make. There are several terms from which you may choose. Interest is compounded quarterly on CDs with terms of at least one year. Check out our rates and terms. $500 minimum deposit.

Individual Retirement Accounts
We offer both Roth and traditional IRAs, with no annual maintenance fees. Our qualified staff can help you make planning for the future easy.

Health Savings Accounts
If you have a qualified high deductible health plan, our health savings account might be right for you.

Free Online Banking
From the comfort of your home or office, you can transfer funds, make loan payments, view transaction history and balances, and even export your information to Quicken and Microsoft Money.

Bill Payment
You can pay bills through your computer by signing up for our Bill Pay Service. It’s FREE if used for at least 3 bill payments per month (if not, there would be a monthly fee of $5.00). You can schedule recurring payments, set up individual payments, and verify past payments. Ask for details.

Platinum VISA Check Card
You have all the convenience of ATM access and all the buying power of your checkbook in one versatile card. Use your Platinum Instant Cash & Check Card anywhere a Visa Debit Card is accepted.

Free Electronic Statements
Get your statement electronically and never worry about paper clutter again! Simply sign up for E-statements once you have logged in to Online Banking. It’s the fastest way to get your paper statement.

Direct Deposits
It’s the easy, fast and free way to get your paycheck electronically. No more worries about lost or stolen paychecks.

24-Hour Telephone Banking
Simply call 507-235-3362 or, if you are out of the area 888-807-8123 to transfer funds, make loan payments or get account information. You may obtain information on your checking, savings, certificates of deposit or loan accounts.

Night Depository
Can’t make it to the bank during business hours? With our Night Depository service, you can drop off your deposits 24 hours a day using an envelope and our secure depository located in the drive-up of each location.

Safe Deposit Boxes
Bring more security to your critical documents for a small yearly fee. It’s an ideal place to keep your important papers that you can’t afford to lose.