Bank of Western Oklahoma Loan Services

· Consumer Credit – Real Estate: Home Improvement Loans, Home Purchase Loans (Adjustable Rate Mortgage Loans, Fixed Rate Mortgage Loans), Refinancing.

· Consumer Credit – Installment: New and used automobiles, purchase money for household goods, personal loans (secured, unsecured, secured by savings, and C.D.s), recreational equipment loans (boats, campers, etc.).

· Commercial Credit: Operating capital loans, equipment loans, real estate loans.

· Agricultural Credit: Livestock loans, equipment loans, real estate loans, operating loans.

· Construction Credit: Commercial construction Loans, single-family loans, working capital loans to heavy contractors.

Bank of Western Oklahoma Deposit Services

· Checking Accounts: Demand Deposit Accounts, Free Checking, Tiered Now Accounts, Money Market Accounts.

· Savings Accounts: Regular Savings Account, Certificates of Deposit with terms ranging from 31 days to 5 years, Individual Retirement Accounts with an 18 month term.

Bank of Western Oklahoma Public Services

· Internet Banking

· Overdraft Privilege

· 24 Hour Phone Service Banking

· Safe Deposit Boxes

· Collections

· Notary Services

· Fax Services

· Transfund Debit Cards

· Visa/Mastercard Credit Cards

· Night Depositories

· Bank by Mail

· Travelers Checks

· Wire Transfer

· Escrow Services

· Cashier’s Checks

· Money Orders

· Direct Deposit

· Copies

· ATM Cash Dispensers

· Savings Bonds