Exhibit 4.0


 


INCORPORATED
UNDER THE LAWS OF THE STATE OF MARYLAND


 


	No.	RICHMOND
    MUTUAL BANCORPORATION, INC.	Shares
	 	 	 
	 	 	CUSIP:


 


FULLY PAID) AND NON-ASSESSABLE

PAR VALUE $0.01 PER SHARE


 


THE SHARES REPRESENTED BY THIS

CERTIFICATE ARE SUBJECT TO

RESTRICTIONS, SEE REVERSE SIDE


 


	THIS CERTIFIES that	is the owner of


 


SHARES OF COMMON STOCK, PAR VALUE $0.01 PER
SHARE

of


Richmond Mutual Bancorporation, Inc.


a Maryland corporation


 


The shares evidenced by
this certificate are transferable only on the books of Richmond Mutual Bancorporation, Inc. by the holder hereof, in person or
by attorney, upon surrender of this certificate properly endorsed. THE CAPITAL STOCK EVIDENCED HEREBY IS NOT AN ACCOUNT OF AN
INSURABLE TYPE AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER FEDERAL OR STATE GOVERNMENTAL AGENCY.


 


IN WITNESS WHEREOF, Richmond Mutual Bancorporation,
Inc. has caused this certificate to be executed by the facsimile signatures of its duly authorized officers and has caused a facsimile
of its seal to be hereunto affixed.


 


	By:	 	[SEAL]	By:	 
	 	Beth A. Brittenham	 	 	Garry D. Kleer
	 	CORPORATE SECRETARY	 	 	CHAIRMAN, PRESIDENT AND CHIEF
	 	 	 	 	EXECUTIVE OFFICER


 




     


     


    

 


Richmond Mutual
Bancorporation, Inc. (the “Company”) will furnish to any stockholder on request and without charge a full statement
of the designations and any preferences, conversion and other rights, voting powers, restrictions, limitations as to dividends,
qualifications, and terms and conditions of redemption of the stock of each class which the Company is authorized to issue, of
the differences in the relative rights and preferences between the shares of each series of preferred or special class which the
Company is authorized to issue, to the extent they have been set, and of the authority of the Board of Directors to set the relative
rights and preferences of subsequent series of a preferred or special class of stock. Such request may be made to the Secretary
of the Company.


 


The shares
evidenced by this certificate are subject to a limitation contained in the Company’s Charter to the effect that in no event
shall any record owner of any outstanding common stock which is beneficially owned, directly or indirectly, by a person who beneficially
owns in excess of 10% of the outstanding shares of common stock (the “Limit”) be entitled or permitted to any vote
in respect of shares held in excess of the Limit


 


The shares
represented by this certificate may not be cumulatively voted on any matter. The Company’s Charter requires that, with limited
exceptions, no amendment, addition, alteration, change or repeal of the Charter shall be made, unless such is first approved by
the Board of Directors of the Company and approved by the stockholders by a majority of the total shares entitled to vote, or in
certain circumstances approved by the affirmative vote of up to 80% of the shares entitled to vote, provided that the Board of
Directors, with the approval of a majority of the entire Board of Directors, and without action by the stockholders, may amend
the Charter to increase or decrease the aggregate number of shares of stock of the Company or the number of shares of stock of
any class or series that the Company has authority to issue.


 


The following abbreviations when
used in the inscription on the face of this certificate shall be construed as though they were written out in full according to
applicable laws or regulations.


 


	 	 	 	
        __________ Custodian ___________

	TEN COM	
        - as tenants in common

         
	UNIF GIFT MIN ACT

(Cuss)	(Minor)
	TEN ENT	- as tenants by the entireties	 	Under Uniform Gifts to Minors Act
	 	 	 	 
	TI TEN	
        - as joint tenants with right of survivorship and not as tenants
        in common

         
	 	(State)


 


Additional abbreviations may also be used though not in the above
list


 


For value received,                                                                 hereby
sell, assign and transfer unto


 


PLEASE INSERT SOCIAI SECURITY NUMBER OR OTHER IDENTIFYING NUMBER


 


 




(please
print or typewrite name and address including postal zip code of assignee)


 


 





 


Shares of the Common Stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint Attorney to transfer the said shares on the books of the within named corporation with full
power of substitution in the premises.


 


	Dated	 	 


 


	In the presence of	 	Signature:
	 	 	 
	 	 	 


 


NOTE: THE SIGNATURE TO THIS ASSIGNMENT MUST
CORRESPOND WITH THE NAME OF THE STOCKHOLDERS) AS WRITTEN UPON THE FACE OF THE CERTIFICATE, IN EVERY PARTICULAR, WITHOUT ALTERATION
OR ENLARGEMENT, OR ANY CHANGE WHATSOEVER.