Effective: Effective: June 1, 20191

CERTIFICATES OF DEPOSIT (CD’s)9

& INDIVIDUAL RETIREMENT ACCOUNTS(IRA’s)9

Term Interest Rate Annual Percentage Yield
14 – 90 Days 0.75% 0.75%
91 – 181 Days 1.00% 1.00%
182 – 364 Days 1.00% 1.00%
1 Year 1.50% 1.51%
2 Year 2.00% 2.02%
3 Year 2.25% 2.27%
4 Year 2.50% 2.52%
5 Year 2.50% 2.52%

OASIS SPECIALS

CERTIFICATES OF DEPOSIT

Term Interest Rate Annual Percentage Yield
12 Month  2.25% 2.27%
24 Month 2.75% 2.78%

TRADITIONAL & ROTH IRA’S

Term Interest Rate Annual Percentage Yield
12 Month 2.50% 2.52%
24 Month 2.75% 2.78%

PERSONAL SAVINGS1 3 4 5 & EXECUTIVE 50 SAVINGS 1 3 5

Interest Rate: 0.25%
Annual Percentage Yield: 0.25%

UTMA CUSTODIAL SAVINGS 1 6 7

Interest Rate: 1.25%
Annual Percentage Yield: 1.26%

HEALTH SAVING ACCOUNT (HSA’s)1 2 4 5 10

Average Daily Collected Balance Interest Rate Annual Percentage Yield
$0 – $9,999.99 0.20% 0.20%
$10,000.00 and over 0.25% 0.25%

EXECUTIVE & EXECUTIVE 50 CHECKING 1 2 4 5

Average Daily Collected Balance Interest Rate Annual Percentage Yield
$0 – $4,999.99 0.10% 0.10%
$5,000.00 – $49,999.99 0.20% 0.20%
$50,000.00 and over 0.30% 0.30%

OASIS CHECKING 1 4 5 8

Average Daily Collected Balance Interest Rate Annual Percentage Yield
Balances from $0 – $9,999.99 Pays 0.10% 0.10%
Balances from $10,000.00 – $24,999.99 Pays 0.25% 0.25%
Balances of $25,000.00 – $74,999.99 Pays 0.40% 0.40%
Balances of $75,000.00 and over Pays 0.60% 0.60%

PERSONAL MONEY MARKET 1 2 4 5

Average Daily Collected Balance Interest Rate Annual Percentage Yield
$0 – $9,999.99 0.15% 0.15%
$10,000.00 – $49,999.99 0.25% 0.25%
$50,000.00 – $99,999.99 0.50% 0.50%
$100,000.00 and over 0.60% 0.60%

1 These rates may change at any time without prior notice. The stated rate may change after your account is opened. 2 If daily balance for each billing cycle is within one of the above ranges, you will earn the interest rate (and corresponding annual percentage yield) disclosed for that range. 3 Minimum balance to obtain stated APY is $50.00. 4 Minimum opening balance is $100.00 5 Fees could reduce earnings on your interest bearing account. 6 Minimum balance to obtain stated APY is $10.00 7 Rate only valid on Savings accounts that adhere to the requirements of the “Missouri Transfers to Minors Law”. 8 Interest Rate of 0.10% will be paid for the portion of your average daily collected balance that is $9,999.99 or less. Interest Rate of 0.25% will be paid for the portion of your average daily collected balance that ranges from $10,000 to $24,999.99. Interest Rate of 0.40% will be paid for the portion of your average daily collected balance that ranges from $25,000 to $74,999.99. Interest Rate of 0.60% will be paid for the portion of your average daily collected balance that is $75,000.00 or more. 9 Minimum opening balance is $1,000.00 10 Minimum balance to earn APY is $61.00

INTEREST

  • The interest will be paid until the maturity date of the certificate.
  • Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity.
  • Interest begins to accrue on the date of deposit.
  • We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day.
  • Withdrawal of interest prior to the maturity date may reduce earnings. The annual percentage yield assumes that interest will remain on deposit until maturity.

CERTIFICATE OF DEPOSIT INTEREST TYPE

Fixed Rate: The interest rate will be paid until the maturity date of the certificate.

RENEWAL

Automatically Renewable: The Certificate of Deposit will automatically renew on each succeeding maturity date. Each renewal term will be the same as the original term, beginning on the maturity date at the current rate of interest, unless the certificate terms are amended by the customer within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days. We will not automatically renew the certificate and no interest will accrue after maturity, (1) If you tell us not to do so, in writing on or before the next maturity date, or (2) if you present this certificate to us for payment within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days, or (3) if notified by us 5 days before the next maturity date.

WITHDRAWALS AND DEPOSITS

  • Minimum deposit for a Certificate of Deposit is $1000.00
  • After this account is opened, deposits and withdrawals are not permitted until the maturity date.
  • f the account is closed before accrued interest is credited, the accrued interest will be forfeited.
  • If any of the deposit is withdrawn before the maturity date, the following penalties will be imposed:

For Terms of 14 Days up to and Including 90 Days: The penalty will be one (1) month of interest on the amount withdrawn. For Terms of 91 Days up to and Including One Year: The penalty will be three (3) months of interest on the amount withdrawn. For Terms of Greater Than One Year: The penalty will be six (6) months of interest on the amount withdrawn.

IRA PENALTIES

  • Effective July 15, 2008, there will be an IRA transfer fee of $25.00
  • Please see your IRA plan for all applicable fees and penalties

Please contact a Commercial Bank representative for further information concerning applicable fees and terms.

2330 West Port Plaza Drive, St Louis, MO 63146 * Phone 314.434.4141 * Fax 314.434.9219 400 West Washington, Florissant, MO 63031 * Phone 314.830.2900 * Fax 314.830.0777 703 Long Road Crossing Drive, Suite 12, Chesterfield, MO 63005 * Phone 636.537.8010 * Fax 636.537.8011 2197 South Mason Road, St. Louis, MO 63131 * Phone 314.394.1652 * Fax 314.394.1655

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