January 3, 2020 Issue, Page 10 of 10

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Bank of Western Oklahoma The Annual Percentage Yield (APY) assumes that principal and interest remain on deposit for the term of the certificate. The minimum balance required to earn the advertised APY is $500.00. Interest will be compounded daily and all interest payments for the APY will be credited back to the CD monthly. The advertised APY is offered at the bank’s discretion and may change daily. The APY is accurate as of 12/26/19. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.