Page 7 - Golden Belt Bank

Golden Belt Bank is a $143 million bank with locations in Ellis and Hays, Kansas.
Established in 1920, Golden Belt Bank offers a full range of consumer and business financial
products.

Morgan Federal Bank is a $113 million community bank located in Fort Morgan, Colorado.
They offer a full line of consumer and small business banking products and services. The
merger will include Morgan Federal's wholly-owned subsidiary, Northern Colorado Title
Services Co, Inc., which provides real estate related financial and information services,

including title insurance and real estate closing services.

The combined institution will have over $230 million in assets and three locations.

"We believe this merger is a rare opportunity to keep Morgan Federal Bank's missions,
culture and proud heritage intact for the long-term benefit of our employees, customers and
community," stated Michael Berryhill, President of Morgan Federal Bank.

"We live by the philosophy that, 'What's good for the community is good for Golden Belt
Bank.' We are excited to add Morgan Federal Bank and the community of Fort Morgan to

that mission," said Ronald Wente, President of Golden Belt Bank.

The next 4 pages is Golden Belt Bank.