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LIL' BUCKAROO SAVINGS CLUB

Lil' Buckaroo members are BIG people at Western State Bank. With every deposit, members receive a bonus in the form of Lil’ Buckaroo Bucks to be used to purchase items in the Lil’ Buck Shop. You can save your Lil’ Bucks until you have enough money to buy the larger items or buy something every time you come to the bank!

• From birth to age 12
• No minimum balance account
• Interest compounded and paid quarterly
• Receive invitations to parties throughout the year
• Newsletters mailed throughout the year
• U.S. Treasury Helps Kids Learn
• Federal Reserve Kids Page
• Money Talks Newsletter

About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Western State Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at http://www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.

GOOD NEIGHBOR CLUB - The Best 50+ Club In The Region!

Western State Bank's GOOD NEIGHBOR CLUB is for our friends and neighbors 50 years of age or better. Have some fun and enjoy the many benefits of being a member! To qualify for membership you need $5,000 in any combination of checking accounts, savings accounts, IRAs and certificates of deposit or you can pay a $10/month membership fee.

Club Benefits

• VIP Interest Checking ­ - No minimum balance required
• Free Specialty Checks ­ (discount for alternate design)
• Free Safe Deposit Box Rental For A Year
     (10% discount after the first year)
• No-fee Overdraft Protection
• No-fee Traveler’s Checks*
• No-fee Money Orders
• No-annual-fee Check Card or Cash Card**
• A bonus of 10 basis points on CD purchases or renewals
• Free notary and signature guarantee service
• Free copies (limit 10 per month)
• Fax service (limit two per month)
• Terrific Travel Opportunities! Travel to exciting locations throughout the U.S. , or excursions to area points of interest, at special prices
• Exclusive Entertainment! Invitations to parties, activities and other special events
• Financial Planning Services!
  • Seminars covering important issues for 50+ individuals and families
  • Access to experienced investment representatives
  • Free quotes from Western Insurance professionals
  • Referrals to financial and legal experts

And, you can earn $10 just by referring a friend to belong to the Good Neighbor Club. Stop by our locations to visit with our Good Neighbor Club Directors for more information about this great club!

  * Excludes checks for two.
 ** Surcharge may apply if used at another financial institution.

Good Neighbor Club Directors
Devils Lake	Towner	West Fargo/Fargo
Cathy Henke Phone: 701-665-1805 Toll Free: 888-662-4936	Molly Petersen and Myrtice Bailey Phone: 701-537-5441 Toll Free: 800-341-5492	Deb Olson Phone: 701-277-5003 Toll Free: 877-846-9345