Truth-in-Savings Disclosure

REWARDS CHECKING

Rate information  - At our discretion, we may change the interest rates for this account. Tier 1 – An interest rate of 0.25% will be paid only for that portion of your daily balance that is $10,000.00 or more. The annual percentage yield (APY) for this tier will range from 1.00% to 0.25%, depending on the balance in the account. Tier 2 – An interest rate of 0.50% will be paid on the entire portion of your daily balance that is less than $10,000.00. The annual percentage yield (APY) for this tier is 0.50%.

The interest rate(ds) and APY are accurate as of December 1, 2020. If you  would  like more  current rate and  yield  information,  please  call  us at (573)893-5665.  The  interest  rates and  annual  percentage yields  may  change at any time.

Additional Rate Information  - THE BANK WILL PAY THE INITIAL INTEREST  RATE AS LONG AS QUALIFICATIONS  ARE MET. WHEN YOU DO NOT QUALIFY, THE BANK WILL PAY 0.05% ON ALL BALANCES.

Compounding  frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Effect of closing an account - If you  close your  account before interest is credited, you  will not receive the accrued interest.

Daily balance  computation method  - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual  of  interest  on  noncash deposits  - Interest  will begin  to accrue on  the business  day  you  deposit  noncash items  (for example, checks) into your  account.

Deposit limitations - You may make  an unlimited number of deposits into your  account.

Fees and Charges - The following fees and  charges apply  to this account:

  • PAPER STATEMENT:  THERE IS A $3.00 FEE TO RECEIVE A PAPER STATEMENT
  • REWARDS MONTHLY FEE:  THERE IS A $3.95 MONTHLY FEE
  • THIS FEE CAN BE REDUCED BY $0.25 FOR EVERY DEBIT CARD PURCHASE.

Additional  Terms  - The  following  additional  terms apply  to this  account:  EARN OUR HIGHEST  CHECKING  INTEREST  (3)  - MUST MEET THESE MINIMUM STATEMENT CYCLE REQUIREMENTS:

  • 16  VISA DEBIT CARD PURCHASES THAT POST AND CLEAR (4) ONE DIRECT DEPOSIT THAT POSTS
  • RECEIVE YOUR STATEMENTS ELECTRONICALLY (ESTATEMENTS) MEETING REQUIREMENTS PROVIDE FOR INTEREST ON ALL BALANCES:
    • 0 - $9999.99
    • $10000.00 AND OVER
    • NOT MEETING REQUIREMENTS PROVIDE A LOWER RATE ANNUAL PERCENTAGE YIELD IS SUBJECT TO CHANGE

REQUIRES ONLY A $25 DEPOSIT TO OPEN

NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING FREE VISA DEBIT CARD WITH CARD VALET (2)

FREE ELECTRONIC BANKING PACKAGE - INCLUDING ONLINE BANKING, ONLINE BILLPAYMENT, ESTATEMENTS (1), MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS

ATM  FEE  REIMBURSMENT    (5)-   USE  ANY  ATM  ANYWHERE  AND  WE  WILL  AUTOMATICALLY   PAY  YOU  BACK  FOR NON-NETWORK ATM FEES - $20 PER STATEMENT CYCLE MAXIMUM

REWARD CHECKING DISAPPEARING FEE - THE MONTHLY FEE OF $3.95 GETS REDUCED $0.25 FOR EVERY DEBIT CARD PURCHASE. MAKE 16  OR MORE POS PURCHASES THAT POST AND CLEAR DURING THE STATEMENT CYCLE AND THE FEE IS ELIMINATED.

  1. Paper  statements are  optional for $3.00 per month.
  2. Replacement card  fee  may  apply. See  bank  for details.
  3. Lower  APY applies to balances over  $10,000 and  when qualifications are  not met. See  bank  for details.
  4. ATM transactions do not count as Visa Debit Card  purchases.
  5. ATM fee  reimbursement limited to $20 per cycle.

IDSECURE CHECKING

Deposit limitations - You may  make  an unlimited number of deposits into your  account.

Fees and Charges - The following fees and  charges apply  to this account:

  • IDSECURE CHECKING MONTHLY FEE:  THERE IS A $3.95 FEE PER MONTH
  • PAPER STATEMENT FEE:  THERE IS A $3.00 FEE FOR A PAPER STATEMENT

Additional Terms - The following additional terms apply  to this account:  FOR CUSTOMERS INTERESTED  IN ADDED SECURITY AND BUILDING A BETTER CREDIT SCORE(1)

ONLY REQUIRES A $25 DEPOSIT TO OPEN

NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING FREE VISA DEBIT CARD WITH CARD VALET (4)

FREE  ELECTRONIC   BANKING  PACKAGE  -  INCLUDING   ONLINE  BANKING,  ONLINE   BILL  PAYMENT,  ESTATEMENTS  (3), MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS

SECURITY AND VALUE FEATURES:

  • TRIPLE BUREAU CREDIT  FILE MONITORING  - MONITORS  DAILY & ALERTS KEY CHANGES TO EQUIFAX,  EXPERIAN AND TRANSUNION WITH ACCESS  TO YOUR SCORE & 3-IN-1 CREDIT REPORT. REGISTRATION AND ACTIVATION REQUIRED.
  • RESOLUTION SERVICES  - TOLL-FREE ACCESS  TO DEDICATED FRAUD RECOVERY SPECIALISTS  WHO WILL ASSIST  YOU IN THE PROCESS TO RECLAIM YOUR IDENTITY.
  • UP TO $10,000 IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE (2)  - FOR EXPENSES ASSOCIATED TO CLEAR YOUR NAME AND REPAIR CREDIT.
  • ONLINE IDENTITY THEFT NEWS CENTER - RESOURCES TO SAFEGUARD YOUR IDENTITY
  • TOTAL IDENTITY MONITORING  - MONITORING OVER 1,000 NON-CREDIT DATABASES  WHERE IDENTITY THEFT COULD BE EVIDENT. REGISTRATION AND ACTIVATION REQUIRED.
  • CELLULAR TELEPHONE PROTECTION(5)  - RECEIVE UP TO $300 OF REPLACEMENT/ REPAIR COSTS  IF YOUR CELL PHONE IS STOLEN OR DAMAGED.
  • $10,000 ACCIDENTAL  DEATH AND  DISMEMBERMENT  INSURANCE  POLICY(6)  -  RECEIVE  UP  TO  $10,000 OF  24-HR. ACCIDENTAL  DEATH  &  DISMEMBERMENT  INSURANCE.  COVERAGE  DIVIDES  EQUALLY  ON  JOINT  ACCOUNTS   AND REDUCES BY 50% AT AGE 70.

ATM FEE REIMBURSEMENT - USE ANY ATM AND BRING US THE RECEIPT WITHIN 60  DAYS AND WE WILL PAY YOU BACK FOR NON-NETWORK FEES -- $20 PER STATEMENT CYCLE MAXIMUM.

FEES WAIVED FOR FULL-TIME STUDENTS TO AGE 23.

  1. IDProtect  service  is  a  personal  identity  theft protection  service  available  to account owner(s) and  their  family.Family includes: Spouse,persons qualifying as domestic partner, and  children under  25  years of age  and  parents(s) who  are  residents of  the same household.  IDProtect  benefits  are  available  to joint  account holders  (unless  otherwise  noted). Benefits  are  not available to a "signer" or "beneficiary" of the account who  is not an  account owner. Service is not available to businesses and their employees, clubs and/or churches and  their members, schools and  their employees/students.
  2. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG).  The  description  herein   is  a  summary and   intended  for  informational  purposes only  and   does not include   all  terms, conditions and  exclusions of the policies described. Please refer  to the actual policies for terms, conditions, and  exclusions of coverage. Coverage may  not be available in all jurisdictions.
  3. Paper  statements are  optional for $3.00 per month.
  4. Replacement card  fee  may  apply. See  bank  for details.
  5. Refer to Guide to Benefit for complete detailsof coverage.
  6. Plateau Insurance Company of Crossville, TN will be our Accidental Death & Dismemberment Insurance Underwriter.

Special Insurance Program Notes: The  descriptions herin  are  summaries only. They  do  not include  all terms, conditions and exclusions  of  the policies  described.  Please  refer   to the actual  policies  for  complete  details  of  coverage and   exclusions. Insurance products are  not insured by FDIC or any  Federal  Government Agency; not a deposit of or guaranteed by the bank  or any  bank  affiliate.

SENIOR CHECKING

Deposit limitations - You may  make  an unlimited number of deposits into your  account.

Fees and Charges - The following fees and  charges apply  to this account:

  • MONTHLY FEE:  THERE IS A $3.95 MONTHLY FEE WITH NO REQUIREMENTS FOR DEBIT CARD USAGE

Additional Terms - The following additional terms apply  to this account:  FOR AGE 50  AND OVER CUSTOMERS ONLY REQUIRES A $25 DEPOSIT TO OPEN

NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING FREE VISA DEBIT CARD WITH CARD VALET

FREE ELECTRONIC  BANKING PACKAGE - INCLUDING  ONLINE BANKING,  ONLINE  BILL PAYMENT,  ESTATEMENTS,  MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS

PAPER STATEMENTS AVAILABLE WITH IMAGES OF YOUR CHECKS

TOLL FREE ACCESS  TO A DEDICATED CONSUMER FRAUD RECOVERY SPECIALIST

SMALL BUSINESS CHECKING

Deposit limitations - You may  make  an unlimited number of deposits into your  account.

Fees and Charges - The following fees and  charges apply  to this account:

  • EXCEEDING  LIMIT:   THERE IS  A  FEE OF  $0.35 PER ADDITIONAL  TRANSACTION  IF  IT  HAS  EXCEEDED THE FREE LIMIT.

Additional  Terms  - The  following  additional  terms apply  to this  account:  FREE FARMERS BANK OF  LOHMAN VISA  DEBIT CARD (THIS CARD IS ISSUED BY FARMERS BANK OF LOHMAN PURSUANT TO A LICENSE BY VISA INCORPORATED. VISA IS A REGISTERED TRADEMARK OF VISA INCORPORATED).

FREE ONLINE BANKING AND MOBILE BANKING. (MOBILE CARRIER DATA AND TEXT RATES MAY APPLY. UP TO 200 FREE COMBINED PAPER AND ELECTRONIC TRANSACTIONS

FREE TELE-24-HOUR ACCOUNT INFORMATION

COURTESY   OVERDRAFT  (  SUBJECT  TO   THE  COURTESY   OVERDRAFT  POLICY,  WHICH  IS  NOT   A  CONTRACT   OR OBLIGATION OF THE BANK TO PAY OVERDRAFTS CREATED BY CHECK,  IN PERSON WITHDRAWAL,  ATM WITHDRAWAL, OR  OTHER  ELECTRONIC  MEANS  WHEN  INSUFFICIENT  FUNDS  EXIST  IN  AN  ACCOUNT,  BUT  A  METHOD  OF  MAKING DECISIONS  ON PAYING AND RETURNING THESE TRANSACTIONS.  OUR REGULAR OVERDRAFT FEE WILL APPLY TO EACH TRANSACTION  PAID  UNDER  THIS  POLICY.  THE  REGULAR OVERDRAFT  FEE  VARIES  BY  MARKET.  SEE  YOUR  BANK REPRESENTATIVE   FOR   THE   EXACT   FEE   AMOUNT.   REPAYMENT   OF   THE   OVERDRAFT   AMOUNT   IS   EXPECTED IMMEDIATELY.  WHETHER YOUR OVERDRAFTS WILL BE PAID IS  DISCRETIONARY AND WE RESERVE THE RIGHT NOT TO PAY. PLEASE SEE THE OVERDRAFT ACCESS  POLICY DESCRIPTION AVAILABLE  FROM ANY BRANCH OFFICE. THE BANK RESERVES THE RIGHT TO WITHDRAW THIS SERVICE AT ANYTIME.

STARTFRESH CHECKING

Deposit limitations - You may  make  an unlimited number of deposits into your  account.

Fees and Charges - The following fees and  charges apply  to this account:

  • PAPER STATEMENT:  THERE IS A $3.00 MONTHLY FEE FOR A PRINTED STATEMENT
  • START  FRESH  MONTHLY FEE:   THERE IS  A  $9.95 MONTHLY FEE FOR  THIS  TYPE  OF  ACCOUNT.  FEE CAN  BE REDUCED WITH REGULAR PAYROLL DEPOSIT

Additional Terms - The following additional terms apply  to this account:  ONLY REQUIRES A $25 DEPOSIT TO OPEN NO MINIMUM BALANCE REQUIREMENT AND UNLIMITED CHECK WRITING

FREE  ELECTRONIC   BANKING  PACKAGE  -  INCLUDING   ONLINE  BANKING,   ONLINE   BILL  PAYMENT,   ESTATEMENTS  (1), MOBILE BANKING, MOBILE CHECK DEPOSIT, AND POPMONEY TRANSFERS

FREE VISA DEBIT CARD WITH CARD VALET (2)

THERE IS  A $3.00 SAVINGS  WITH  DIRECT DEPOSIT  (MINIMUM  OF $200.00)  - FEE REDUCED TO $6.95 WITH  REGULAR DIRECT DEPOSIT

MOBILE CHECK DEPOSIT SERVICE AVAILABLE AFTER 6 MONTHS

ABLE TO QUALIFY FOR ONE OF OUR OTHER GREAT CHECKING PRODUCTS AFTER 18  MONTHS IN GOOD STANDING **

**  GOOD STANDING IS DEFINED AS A POSITIVE BALANCE AND NO MORE THAN ONE (1) NSF IN THE LAST SIX MONTHS

  1. Paper  statements are  optional for $3.00 per month.
  2. Replacement card  fee  may  apply. See  bank  for details.

FBL SAVINGS

Rate  information  - At our  discretion,  we  may  change the interest  rate for  this  account.  The  interest  rate on  this  account is 0.200% with an annual percentage yield of 0.20%.

The  interest  rate(s) and  annual  percentage yield(s)  are  accurate as of February 27, 2017. If you  would  like more  current rate and  yield information, please call us at (573)893-5665. The  interest rate and  annual percentage yield may  change at any  time.

Compounding  frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Effect of closing an account - If you  close your  account before interest is credited, you  will not receive the accrued interest.

Daily balance  computation method  - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual  of  interest  on  noncash deposits  - Interest  will begin  to accrue on  the business  day  you  deposit  noncash items  (for example, checks) into your  account.

Deposit limitations - You may  make  an unlimited number of deposits into your  account.

Limitations  on frequency  of transfers  - During  any  calendar  month, you  may  not make  more  than six  withdrawals  or transfers to another account of  yours or  to a  third  party by  means of  a  preauthorized  or  automatic  transfer or  telephone  order   or instruction, or by check, draft, debit card  or similar order  to a third party. If you  exceed the transfer limitations set forth above in any  statement period, your  account will be subject to closure by the financial institution.

Additional Terms - The following additional terms apply  to this account:  EARN A HIGHER RATE WHEN YOU OPEN A SAVINGS ACCOUNT  AT  THE SAME  TIME  AS  YOUR CHECKING  ACCOUNT.  ALL IT  TAKES  IS  A  $10 MINIMUM  TRANSFER  FROM CHECKING TO SAVINGS EACH STATEMENT CYCLE.

THE  INTEREST  RATE  FOR  YOUR  ACCOUNT   IS  HIGHER  WHEN  YOU  SET  UP  A  MINIMUM  OF  $10.00  AUTOMATIC RECURRING TRANSFER INTO THE ACCOUNT. THE INTEREST RATE WITH THE RECURRING TRANSFER IS 0.40% WITH AN ANNUAL PERCENTAGE YIELD OF 0.40%.

THE INTEREST RATE WILL DEFAULT TO THE LOWER RATE OF 0.20% IF NO QUALIFYING TRANSFER OCCURS. MUST BE IN CONJUNCTION WITH ONE OF OUR NEW ACCOUNTS