Document:

EMPLOYMENT AGREEMENT

       THIS EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into as of this 18th day of
September, 2002, by and between Great Southern Bancorp, Inc. (the "Company") and Joseph W. Turner (the
"Employee").

       WHEREAS, the Employee serves as the President and Chief Executive Officer of the Company and of the
Company's wholly-owned subsidiary, Great Southern Bank (the "Bank");

       WHEREAS, the Employee has an existing employment agreement entered into as of January 1, 1990 and
amended as of January 19, 2000 (the "Prior Employment Agreement") which he is willing to terminate in consideration
of this Agreement becoming effective;

       WHEREAS, the board of directors of the Company (the "Board of Directors") believes it is in the best interests
of the Company and its subsidiaries for the Company to enter into this Agreement with the Employee in order to assure
continuity of management of the Company and its subsidiaries; and

       WHEREAS, the Board of Directors has approved and authorized the execution of this Agreement with the
Employee;

       NOW, THEREFORE, in consideration of the foregoing and of the respective covenants and agreements of the
parties herein, it is AGREED as follows:

       1.  Definitions.

              (a)  The term "Change in Control" means (1) an event with respect to the Company or the Bank that
is determined by the Board of Directors to constitute an acquisition  of control of the Company or the Bank within the
meaning of the Bank Holding Company Act of 1956, as amended, or Change in Bank Control Act, 12 U.S.C. § 1817(j),
and applicable regulations; (2) an event that would be required to be reported in response to Item 1 of the current report
on Form 8-K, as in effect on the Effective Date, pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
(the "Exchange Act"); (3) any person (as the term is used in Sections 13(d) and 14(d) of the Exchange Act) is or
becomes the beneficial owner (as defined in Rule 13d-3 under the Exchange Act) directly or indirectly of securities of
the Company or the Bank representing 25% or more of the combined voting power of the Company's or the Bank's
outstanding securities; (4) individuals who are members of the Board of Directors on the Effective Date (the "Incumbent
Board") cease for any reason to constitute at least a majority thereof, provided that any person becoming a director
subsequent to the Effective Date whose election was approved by a vote of at least three-quarters of the directors
comprising the Incumbent Board, or whose nomination for election by the Company's stockholders was approved by
the nominating committee serving under an Incumbent Board, shall be considered a member of the Incumbent Board;
(5) approval by the Company's stockholders of a plan of reorganization, merger or consolidation of the Company in
which the Company is not the resulting entity, a sale of all or substantially all of the assets of the Company, a similar
transaction in which the Company is not the resulting entity, or a transaction at the completion of which the former
stockholders of the acquired corporation become the holders of more than 40% of the outstanding common stock of the
Company and the Company is the resulting entity of such transaction; or (6) an event that constitutes a change in
ownership, a change in effective control or a change in the ownership of a substantial portion of the assets of the
Corporation or the Bank, for purposes of Section 280G of the Internal Revenue Code of 1986, as amended (the "Code");
provided that the term "Change in Control" shall not include an acquisition of securities by an employee benefit plan
of the Bank or the Company.  In the application of regulations under the Bank Holding Company Act or Change in Bank
Control Act, determinations to be made by the applicable federal banking regulator shall be made by the Board of
Directors.

              (b)  The term "Consolidated Subsidiaries" means any subsidiary or subsidiaries of the Company (or
its successors) that are part of the consolidated group of the Company (or its successors) for federal income tax
reporting.

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              (c)  The term "Date of Termination" means the date upon which the Employee's employment with the
Company or the Bank or both ceases, as specified in a notice of termination pursuant to Section 8 of this Agreement.

              (d)  The term "Effective Date" means October 1, 2002.

              (e)  The term "Involuntarily Termination" means the termination of the employment of Employee (i)
by either the Company or the Bank or both without his express written consent; or (ii) by the Employee by reason of
a material diminution of or interference with his duties, responsibilities or benefits, including (without limitation) any
of the following actions unless consented to in writing by the Employee:  (1) a requirement that the Employee be based
at any place other than Springfield, Missouri, or within 50 miles thereof, except for reasonable travel on Company or
Bank business; (2) a material demotion of the Employee; (3) a material reduction in the number or seniority of personnel
reporting to the Employee or a material reduction in the frequency with which, or in the nature of the matters with
respect to which such personnel are to report to the Employee, other than as part of a Bank- or Company-wide reduction
in staff; (4) a reduction in the Employee's salary or a material adverse change in the Employee's perquisites, benefits,
contingent benefits or vacation, other than prior to a Change in Control as part of an overall program applied uniformly
and with equitable effect to all members of the senior management of the Bank or the Company; (5) a material
permanent increase in the required hours of work or the workload of the Employee; or (6) the failure of the Board of
Directors (or a board of directors of a successor of the Company) to elect him as President and Chief Executive Officer
of the Company (or a successor of the Company) or any action by the Board of Directors (or a board of directors of a
successor of the Company) removing him from any of such office, or the failure of the board of directors of the Bank
(or any successor of the Bank)  to elect him as President and Chief Executive Officer of the Bank (or any successor of
the Bank) or any action by such board (or board of a successor of the Bank) removing him from any of such office.  The
term "Involuntary Termination" does not include Termination for Cause or termination of employment due to permanent
disability pursuant to Section 7(g) of this Agreement, retirement, death or suspension or temporary or permanent
prohibition from participation in the conduct of the affairs of a depository institution under Section 8 of the Federal
Deposit Insurance Act.

              (f)  The terms "Termination for Cause" and "Terminated for Cause" mean termination of the
employment of the Employee with either the Company or the Bank, as the case may be, because of the Employee's
dishonesty, incompetence, willful misconduct, breach of a fiduciary duty involving personal profit, intentional failure
to perform stated duties, willful violation of any law, rule, or regulation (excluding violations which do not have an
adverse affect on the Company or the Bank) or final cease-and-desist order, or (except as provided below) material
breach of any provision of this Agreement.  No act or failure to act by the Employee shall be considered willful unless
the Employee acted or failed to act with an absence of good faith and without a reasonable belief that his action or
failure to act was in the best interest of the Company.  The Employee shall not be deemed to have been Terminated for
Cause unless and until there shall have been delivered to the Employee a copy of a resolution, duly adopted by the
affirmative vote of not less than a majority of the entire membership of the Board of Directors at a meeting of the Board
duly called and held for such purpose (after reasonable notice to the Employee and an opportunity for the Employee,
together with the Employee's counsel, to be heard before the Board), stating that in the good faith opinion of the Board
of Directors the Employee has engaged in conduct described in the preceding sentence and specifying the particulars
thereof in detail.

       2.  Term; Termination of Prior Employment Agreement.  The term of this Agreement shall be a period of five
years commencing on the Effective Date, subject to earlier termination as provided herein.  On each anniversary of this
Agreement the term shall be extended for a period of one year in addition to the then-remaining term, provided that the
Company has not given notice to the Employee in writing at least 90 days prior to such anniversary that the term of this
Agreement shall not be extended further, and provided further that the Employee has not received an unsatisfactory
performance review by either the Board of Directors or the board of directors of the Bank.  The Employee's Prior
Employment Agreement shall terminate immediately prior to the Effective Date, subject to reinstatement as provided
in Section 16 below.

       3.  Employment.  The Employee is employed as the President and Chief Executive Officer of the Company and
the Bank.  As such, the Employee shall render administrative and management services as are customarily performed
by persons situated in similar executive capacities, and shall have such other powers and duties as the Board of Directors
or the board of directors of the Bank may prescribe from time to time.  The Employee shall also render services to any

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subsidiary or subsidiaries of the Company or the Bank as requested by the Company or the Bank from time to time
consistent with his executive position.  The Employee shall devote his best efforts and reasonable time and attention
to the business and affairs of the Company and the Bank to the extent necessary to discharge his responsibilities
hereunder.  The Employee may (i) serve on corporate or charitable boards or committees, and (ii) manage personal
investments, so long as such activities do not interfere materially with performance of his responsibilities hereunder. 

       4.  Cash Compensation.

              (a)  Salary.  The Company agrees to pay the Employee during the term of this Agreement a base salary
(the "Company Salary") the annualized amount of which shall be not less than the annualized aggregate amount of the
Employee's base salary from the Company and any Consolidated Subsidiaries in effect at the Effective Date; provided
that any amounts of salary actually paid to the Employee by any Consolidated Subsidiaries shall reduce the amount to
be paid by the Company to the Employee.  The Company Salary, excluding the bonus, shall be paid no less frequently
than monthly and shall be subject to customary tax withholding.  The amount of the Employee's Company Salary shall
be increased (but shall not be decreased other than prior to a Change in Control as part of an overall program applied
uniformly and with equitable effect to all members of senior management of the Company or the Bank) from time to
time in accordance with the amounts of salary approved by the Board of Directors or the board of directors of any of
the Consolidated Subsidiaries after the Effective Date.

              (b)  Bonuses.  The Employee shall be entitled to participate in an equitable manner with all other
executive officers of the Company and the Bank in such performance-based and discretionary bonuses, if any, as are
authorized and declared by the Board of Directors for executive officers of the Company and by the board of directors
of the Bank for executive officers of the Bank.  Additionally, the Employee shall continue to receive a bonus payable
annually equal to 1/2% of the Company's fiscal year pre-tax earnings.

              (c)  Expenses.  The Employee shall be entitled to receive prompt reimbursement for all reasonable
expenses incurred by the Employee in performing services under this Agreement in accordance with the policies and
procedures applicable to the executive officers of the Company and the Bank, provided that the Employee accounts for
such expenses as required under such policies and procedures.

              (d)  Deferral of Non-Deductible Compensation.  In the event that the Employee's aggregate
compensation (including compensatory benefits which are deemed remuneration for purposes of Section 162(m) of the
Code) from the Company and the Consolidated Subsidiaries for any calendar year exceeds the greater of (i) $1,000,000
or (ii) the maximum amount of compensation deductible by the Company or any of the Consolidated Subsidiaries in
any calendar year under Section 162(m) of the Code (the "maximum allowable amount"), then any such amount in
excess of the maximum allowable amount shall be mandatorily deferred (with interest thereon at an annual rate equal
to the Federal short-term rate under Section 1274(d)(1) of the Code, determined as of the last day of the calendar year
in which the Employee's compensation is first not deductible under Section 162(m) of the Code, per annum,
compounded annually), to a calendar year such that the amount to be paid to the Employee in such calendar year,
including deferred amounts and interest thereon, does not exceed the maximum allowable amount.  Subject to the
foregoing, deferred amounts including interest thereon shall be payable at the earliest time permissible.  All unpaid
deferred amounts shall be paid to the Employee not later than his Date of Termination unless his Date of Termination
is on a December 31st, in which case, the unpaid deferred amounts shall be paid to the Employee on the first business
day of the next succeeding calendar year.  The provisions of this subsection shall survive any termination of the
Employee's employment and any termination of this Agreement.

       5.  Benefits.

              (a)  Participation in Benefit Plans.  The Employee shall be entitled to participate, to the same extent
as executive officers of the Company and the Bank generally, in all plans of the Company and the Bank relating to
pension, retirement, thrift, profit-sharing, savings, group or other life insurance, hospitalization, medical and dental
coverage, travel and accident insurance, education, cash bonuses, and other retirement or employee benefits or
combinations thereof.  In addition, the Employee shall be entitled to be considered for benefits under all of the stock
and stock option related plans in which the Company's or the Bank's executive officers are eligible or become eligible
to participate. 

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              (b)  Fringe Benefits.  The Employee shall be eligible to participate in, and receive benefits under, any
other fringe benefit plans or perquisites which are or may become generally available to the Company's or the Bank's
executive officers, including but not limited to supplemental retirement, incentive compensation, supplemental medical
or life insurance plans, company cars, club dues, physical examinations, financial planning and tax preparation services.

       6.  Vacations; Leave.  The Employee shall be entitled to annual paid vacation in accordance with the policies
established by the Board of Directors and the board of directors of the Bank for executive officers, in no event less than
four weeks per year, and to voluntary leaves of absence, with or without pay, from time to time at such times and upon
such conditions as the Board of Directors may determine in its discretion.

       7.  Termination of Employment.

              (a)  Involuntary Termination.  If the Employee experiences an Involuntary Termination, such
termination of employment shall be subject to the Company's obligations under this Section 7.  In the event of the
Involuntary Termination of the Employee, if the Employee has offered to continue to provide the services contemplated
by and on the terms provided in this Agreement and such offer has been declined, then, subject to Section 7(b) of this
Agreement, the Company shall, during the portion of the term of this Agreement remaining following the Date of
Termination (the "Liquidated Damage Period"), as damages for breach of contract  (i) pay to the Employee monthly one-twelfth of the Company Salary at the annual rate in effect immediately prior to the Date of Termination and one-twelfth
of the average annual amount of cash bonus and cash incentive compensation of the Employee, based on the average
amounts of such compensation earned by the Employee from the Company and the Bank for the two full fiscal years
preceding the Date of Termination; and (ii) maintain substantially the same group life insurance, hospitalization,
medical, dental, prescription drug and other health benefits, and long-term disability insurance (if any) for the benefit
of the Employee and his dependents and beneficiaries who would have been eligible for such benefits if the Employee
had not suffered Involuntary Termination and on terms substantially as favorable to the Employee including amounts
of coverage and deductibles and other costs to him in effect immediately prior to such Involuntary Termination (the
"Employee's Health Coverage").

              (b)  Reduction of the Company's Obligations Under Section 7(a).

                     (1)  In the event that the Employee becomes entitled to liquidated damages pursuant to
Section 7(a), (i) the Company's obligation thereunder with respect to cash damages shall be reduced by the amount of
the Employee's earned income within the meaning of 4,6 911(d)(2)(A) of the Code, if any, earned from providing
personal services during the Liquidated Damage Period; and (ii) the Company's obligation to maintain Health Coverage
shall be reduced to the extent, if any, that the Employee receives such benefits, on no less favorable terms, from another
employer during the Liquidated Damage Period.  To the extent the provisions of this Section 7(b)(1) are applicable and
an overpayment has been made to the Employee as of the expiration of Liquidated Damage Period, the Employee shall
reimburse the Company in an amount equal to the after tax benefit realized by the Employee from such overpayment
(i.e. amount realized net of all federal, state, local, employment and medicare taxes).  In making the reimbursement
calculation it shall be presumed that the Employee is subject to the highest marginal federal and state income tax rates.

                     (2)  The Employee agrees that in the event he becomes entitled to liquidated damages
pursuant to Section 7(a), throughout the Liquidated Damage Period, he shall promptly inform the Company of the nature
and amounts of earned income and the type of health benefits and coverage which he earns or receives from providing
personal services, and shall provide such documentation of such earned income and such health benefits and coverage
as the Company may request.  In the event of changes to such earned income or such health benefits or coverage from
time to time, the Employee shall inform the Company of such changes, in each case within five days after the change
occurs, and shall provide such documentation concerning the change as the Company may request.

              (c)  Change in Control; Cut Back; and Tax Gross Up.  In the event that the Employee experiences
an Involuntary Termination within the 12 months preceding, at the time of, or within 24 months following a Change in
Control, in addition to the Company's obligations under Section 7(a) of this Agreement, the Company shall pay to the
Employee in cash, within 30 days after the later of the date of such Change in Control or the Date of Termination, an
amount equal to 299% of the Employee's "base amount" as determined under Section 280G of the Code. 

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              In the event that any payments, distributions or benefits provided or to be provided to the Employee,
whether pursuant to this Agreement or from other plans or arrangements maintained by the Company or any of the
Consolidated Subsidiaries (excluding the Gross Up Payment and Additional Gross Up Payment (as such terms are
hereinafter defined)) (collectively, the "Payment") would be subject to excise tax under Section 4999 of the Code (such
excise tax and any penalties and interest collectively, the "Penalty Tax"), the Company shall pay to the Employee in cash
an additional amount equal to the Adjusted Gross Up Payment.  The "Gross Up Payment" shall be an amount such that
after payment by the Employee of all federal, state, local, employment and medicare taxes thereon (and any penalties
and interest with respect thereto), the Employee retains on an after tax basis a portion of such amount equal to the
aggregate of 100% of the Penalty Tax imposed upon the Payment and 100% of the Penalty Tax imposed upon the
Adjusted Gross Up Payment. 

              For purposes of determining the amount of the Gross Up Payment, the value of any non-cash benefits
and deferred payments or benefits subject to the Penalty Tax shall be determined by the Company's independent auditors
in accordance with the principles of Section 280G(d)(3) and (4) of the Code.  In the event that, after the Gross Up
Payment is made, the Employee becomes entitled to receive a refund of any portion of the Penalty Tax, the Employee
shall promptly pay to the Company 100% of such Penalty Tax refund attributable to the Payment (together with 100%
of any interest paid or credited thereon by the Internal Revenue Service) and 100% of the Penalty Tax refund attributable
to the Gross Up Payment (together with 100% of any interest paid or credited thereon by the Internal Revenue Service).

              As a result of the uncertainty regarding the application of Section 4999 of the Code, it is possible that
the Internal Revenue Service may assert that the Penalty Tax due is in excess of the amount of the anticipated Penalty
Tax used in calculating the Adjusted Gross Up Payment (such excess amount is hereafter referred to as the
"Underpayment").  In such event, the Company shall pay to the Employee, in immediately available funds, at the time
the Underpayment is assessed or otherwise determined, an additional amount equal to the Additional Gross Up Payment.
The "Additional Gross Up Payment" shall be an amount such that after payment by the Employee of all federal, state,
local, employment and medicare taxes thereon (and any penalties and interest with respect thereto), the Employee retains
on an after tax basis a portion of such amount equal to the aggregate of (i) 100% of the portion of the Underpayment
attributable to the Payment, (ii) 100% of the portion of the Underpayment attributable to the Adjusted Gross Up
Payment and (iii) 100% of the Penalty Tax imposed on the Additional Gross Up Payment.

              (d)  Termination for Cause.  In the event of Termination for Cause, the Company shall have no further
obligation to the Employee under this Agreement after the Date of Termination other than deferred amounts under
Section 4(d).

              (e)  Voluntary Termination.  The Employee may terminate his employment voluntarily at any time by
a notice pursuant to Section 8 of this Agreement.  In the event that the Employee voluntarily terminates his employment
other than by reason of any of the actions that constitute Involuntary Termination under Section 1(e)(ii) of this
Agreement ("Voluntary Termination"), the Company shall be obligated to the Employee for the amount of his Company
Salary and benefits only through the Date of Termination, at the time such payments are due, and the Company shall
have no further obligation to the Employee under this Agreement except as provided in Sections 4(d).

              (f)  Death.  In the event of the death of the Employee while employed  under this Agreement and prior
to any termination of employment, the Company shall pay to the Employee's estate, or such person as the Employee may
have previously designated in writing, (i) the Company Salary which was not previously paid to the Employee and the
Company Salary which he would have earned if he had continued to be employed under this Agreement through the
180th day after the date on which the Employee died; (ii) the amounts of any benefits or awards which, pursuant to the
terms of any applicable plan or plans, were earned with respect to the fiscal year in which the Employee died and which
the Employee would have been entitled to receive if he had continued to be employed, and the amount of any bonus or
incentive compensation for such fiscal year which the Employee would have been entitled to receive if he had continued
to be employed, pro-rated in accordance with the portion of the fiscal year prior to his death, provided that such amounts
shall be payable when and as ordinarily payable under the applicable plans; and (iii) the unpaid deferred amounts under
Section 4(d).    

              (g)  Permanent Disability.  For purposes of this Agreement, the term "permanently disabled" means
that the Employee has a mental or physical infirmity which permanently impairs his ability to perform substantially his

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duties and responsibilities under this Agreement and which results in (i) eligibility of the Employee under the long-term
disability plan of the Company or the Bank, if any; or (ii) inability of the Employee to perform substantially his duties
and responsibilities under this Agreement for a period of 180 consecutive days.  Either the Company or the Bank or both
may terminate the employment of the Employee after having established that the Employee is permanently disabled. 

              (h)  Regulatory Action.  Notwithstanding any other provisions of this Agreement:

                     (1)  If the Employee is removed and/or permanently prohibited from participating in the
conduct of the affairs of a depository institution by an order issued under Section 8(e)(4) or (g)(1) of the Federal Deposit
Insurance Act ("FDIA"), 12 U.S.C. § 1818(e)(4) and (g)(1), all obligations of the Company under this Agreement shall
terminate as of the effective date of the order, but vested rights of the contracting parties shall not be affected; and

                     (2)  If the Bank is in default (as defined in Section 3(x)(1) of the FDIA), all obligations of
the Company under this Agreement shall terminate as of the date of default, but this provision shall not affect any vested
rights of the contracting parties; and

       8.  Notice of Termination.  In the event that the Company or the Bank, or both, desire to terminate the
employment of the Employee during the term of this Agreement, the Company or the Bank, or both, shall deliver to the
Employee a written notice of termination, stating whether such termination constitutes Termination for Cause or
Involuntary Termination, setting forth in reasonable detail the facts and circumstances that are the basis for the
termination, and specifying the date upon which employment shall terminate, which date shall be at least 30 days after
the date upon which the notice is delivered, except in the case of Termination for Cause.  In the event that the Employee
determines in good faith that he has experienced an Involuntary Termination of his employment, he shall send a written
notice to the Company stating the circumstances that constitute such Involuntary Termination and the date upon which
his employment shall have ceased due to such Involuntary Termination.  In the event that the Employee desires to effect
a Voluntary Termination, he shall deliver a written notice to the Company, stating the date upon which employment shall
terminate, which date shall be at least 30 days after the date upon which the notice is delivered, unless the parties agree
to a date sooner.

       9.  Attorneys Fees.  The Company shall pay all legal fees and related expenses (including the costs of experts,
evidence and counsel) incurred by the Employee as a result of (i) the Employee's contesting or disputing any termination
of employment, or (ii) the Employee's seeking to obtain or enforce any right or benefit provided by this Agreement or
by any other plan or arrangement maintained by the Company (or its successors) or the Consolidated Subsidiaries under
which the Employee is or may be entitled to receive benefits; provided that the Company's obligation to pay such fees
and expenses is subject to the Employee's prevailing with respect to the matters in dispute in any action initiated by the
Employee or the Employee's having been determined to have acted reasonably and in good faith with respect to any
action initiated by the Company or the Bank.

       10.  Non-Disclosure and Non-Solicitation.

              (a)  Non-Disclosure.  The Employee acknowledges that he has acquired, and will continue to
acquire while employed by the Company and/or any Consolidated Subsidiary, special knowledge of the business, affairs,
strategies and plans of the Company and the Consolidated Subsidiaries which has not been disclosed to the public and
which constitutes confidential and proprietary business information owned by the Company and the Consolidated
Subsidiaries, including but not limited to, information about the customers, customer lists, software, data, formulae,
processes, inventions, trade secrets, marketing information and plans, and business strategies of the Company and the
Consolidated Subsidiaries,  and other information about the products and services offered or developed or planned to
be offered or developed by the Company and/or the Consolidated Subsidiaries ("Confidential Information").  The
Employee agrees that, without the prior written consent of the Company, he shall not, during  the term of his
employment or at any time thereafter, in any manner directly or indirectly disclose any Confidential Information to any
person or entity other than the Company and the Consolidated Subsidiaries.  Notwithstanding the foregoing, if the
Employee is requested or required (including but not limited to by oral questions, interrogatories, requests for
information or documents in legal proceeding, subpoena, civil investigative demand or other similar process) to disclose
any Confidential Information the Employee shall provide the Company with prompt written notice of any such request
or requirement so that the Company and/or a Consolidated Subsidiary may seek a protective order or other appropriate

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remedy and/or waive compliance with the provisions of this Section 10(a). If, in the absence of a protective order or
other remedy or the receipt of a waiver from the Company, the Employee is nonetheless legally compelled to disclose
Confidential Information to any tribunal or else stand liable for contempt or suffer other censure or penalty, the
Employee may, without liability hereunder, disclose to such tribunal only that portion of the Confidential Information
which is legally required to be disclosed, provided that the Employee exercise his  best efforts to preserve the
confidentiality of the Confidential Information, including without limitation by cooperating with the Company and/or
a Consolidated Subsidiary to obtain an appropriate protective order or other reliable assurance that confidential treatment
will be accorded the Confidential Information by such tribunal.  On the Date of Termination, the Employee shall
promptly deliver to the Company all copies of documents or other records (including without limitation electronic
records) containing any Confidential Information that is in his possession or under his control, and shall retain no written
or electronic record of any Confidential Information.

              (b)  Non-Solicitation.  During the three year period next following the Date of Termination, the
Employee shall not directly or indirectly solicit, encourage, or induce any person while employed by the Company or
any Consolidated Subsidiary to (i) leave the Company or any Consolidated Subsidiary, (ii) cease his or her employment
with the Company or any Consolidated Subsidiary or (iii) accept employment with another entity or person. 

       The provisions of this Section 10 shall survive any termination of the Employee's employment and any
termination of this Agreement.

       11.  No Assignments.

              (a)  This Agreement is personal to each of the parties hereto, and neither party may assign or delegate
any of its rights or obligations hereunder without first obtaining the written consent of the other party; provided,
however, that the Company shall require any successor or assign (whether direct or indirect, by purchase, merger,
consolidation or otherwise) by an assumption agreement in form and substance satisfactory to the Employee, to
expressly assume and agree to perform this Agreement in the same manner and to the same extent that the Company
would be required to perform it if no such succession or assignment had taken place.  Failure of the Company to obtain
such an assumption agreement prior to the effectiveness of any such succession or assignment shall be a breach of this
Agreement and shall entitle the Employee to compensation and benefits from the Company in the same amount and on
the same terms as provided for an Involuntary Termination under Section 7 hereof.  For purposes of implementing the
provisions of this Section 11(a), the date on which any such succession becomes effective shall be deemed the Date of
Termination.

              (b)  This Agreement and all rights of the Employee hereunder shall inure to the benefit of and be
enforceable by the Employee's personal and legal representatives, executors, administrators, successors, heirs,
distributees, devisees and legatees.  

       12.  Notice.  For the purposes of this Agreement, notices and all other communications provided for in this
Agreement shall be in writing and shall be deemed to have been duly given when personally delivered or sent by
certified mail, return receipt requested, postage prepaid, to the Company at its home office, to the attention of the Board
of Directors with a copy to the Secretary of the Company, or, if to the Employee, to such home or other address as the
Employee has most recently provided in writing to the Company.

       13. Amendments.  No amendments or additions to this Agreement shall be binding unless in writing and signed
by both parties, except as herein otherwise provided.

       14.  Headings.  The headings used in this Agreement are included solely for convenience and shall not affect,
or be used in connection with, the interpretation of this Agreement.

       15.  Severability.  The provisions of this Agreement shall be deemed severable and the invalidity or
unenforceability of any provision shall not affect the validity or enforceability of the other provisions hereof.

       16.  Reinstatement of Prior Agreement.  Notwithstanding anything contained in this Agreement to the contrary,
the parties hereto agree that in the event a Change in Control as described in Section 1(a)(6) occurs within one year from

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the date of this Agreement (not the Effective Date), then in that event the Prior Agreement shall be reinstated and this
Agreement shall become void ab initio.

       17.  Governing Law.  This Agreement shall be governed by the laws of the State of Missouri.

       18.  Arbitration.  Any dispute or controversy arising under or in connection with this Agreement (other than
relating to the enforcement of the provisions of Sections 7(e)(2) and 10) shall be settled exclusively by arbitration in
accordance with the rules of the American Arbitration Association then in effect.  Judgment may be entered on the
arbitrator's award in any court having jurisdiction.

       19.  Equitable and Other Judicial Relief.  In the event of an actual or threatened breach by the Employee of any
of the provisions of Section 7(e)(2) or 10, the Company shall be entitled to equitable relief in the form of an injunction
from a court of competent jurisdiction and such other equitable and legal relief as such court deems appropriate under
the circumstances.  The parties agree  that the Company shall not be required to post any bond in connection with the
grant or issuance of an injunction (preliminary, temporary and/or permanent) by a court of competent jurisdiction, and
if a bond is nevertheless required, the parties agree that it shall be in a nominal amount.  The parties further agree that
in the event of a breach by the Employee of any of the provisions of Section 7(e)(2) or 10, the Company will suffer
irreparable damage and its remedy at law against the Employee is inadequate to compensate it for such damage.

       20.  Satisfaction of the Company's Obligations by the Bank.  To the extent that the Bank or any other of the
Company's consolidated subsidiaries pays salary to the Employee or provides benefits to him which the Company is
obligated to pay or provide under this Agreement, the Company's obligations under this Agreement shall be deemed to
be satisfied.

       IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year first above written.

       THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE
ENFORCED BY THE PARTIES.

	Attest:	Great Southern Bancorp, Inc.
	

	
	/s/ Larry Larimore
	/s/ Rex A. Copeland

	Secretary	By:  Rex A. Copeland
		Its:  Treasurer
	

	
		Employee
	

	
		/s/ Joseph W. Turner

		Joseph W. Turner

8MODIFICATION REVOLVING NOTE

	Chicago, Illinois	Dated: November 1, 2002
	$12,000,000	Due: November 1, 2003

       This Modification Note is dated as of November 1, 2002, by and between GREAT
SOUTHERN BANCORP, INC., a Delaware corporation (the "Maker") and LASALLE BANK
NATIONAL ASSOCIATION, a national banking association (the "Bank"), having an address of
135 South LaSalle Street, Chicago, Illinois 60603.

       A.	The Bank made a loan to the Maker evidenced by a certain Revolving Note dated
October 8, 1999 signed by the Maker and payable to the order of the Bank, in the amount of
$15,000,000, as modified by the Modification Revolving Note date June 26, 2000 in the amount
of $25,000,000, a Modification Revolving Note dated November 1, 2000 in the amount of
$25,000,000 and a Modification Revolving Note dated November 1, 2001 in the amount of
$12,000,000 (the "Original Note") (collectively, the Original Note, as extended from time to time
and as extended by this Modification Note, is referred to herein as the "Note"); and

       B.	Maker desires to extend the maturity date of the loan and make certain other
modifications, and the Bank is willing, subject to certain conditions, to such extension and other
modifications in accordance with the terms of this Modification Note.

       NOW, THEREFORE, in consideration of these premises and the conditions and
covenants contained herein, the parties agree as follows:

       The indebtedness initially evidenced by the Original Note shall be re-evidenced by this
Modification Note and shall continue to be secured by all collateral securing the Original Note,
including, without limitation, 100% of the common stock of Great Southern Bank and any stock
splits, substitutions, proceeds or dividends thereon.

       This Modification Note is not being delivered in payment for the Original Note and is not
intended to constitute a novation therefor.  To the extent the provisions of this Modification Note
are inconsistent or conflict with the terms of the Original Note or any other prior note evidencing
the same indebtedness, the provisions of this Modification Note shall govern and control.  In all
other respects, the existing terms, conditions and provisions of the Original Note, including,
without limitation, any late charges or expenses, remain in full force and effect and shall be
incorporated by reference herein.

       If payment hereunder becomes due and payable on a Saturday, Sunday, or legal holiday
under the laws of the United States or the State of Illinois, the due date hereof shall be extended
to the next succeeding business day, and interest shall be payable thereon at the rate specified
during such extension period.

       Upon the occurrence of any one or more of the following: (a) default in the payment of
any installment when due hereunder, or (b) default under the Original Note, any prior note
evidencing the same indebtedness, this Modification Note or any of the Loan Documents, or (c)
default under any other agreement now existing or hereafter entered into between the Maker and
the Bank, the holder of the Note, in its sole discretion, may declare the entire remaining balance
on the Note, including all accrued and unpaid interest to be immediately due and payable.
Failure to exercise this option shall not waive the right of the holder to exercise the same in the
event of a later default.

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       Demand, presentment, protest, notice of non-payment and protest are hereby waived by
Maker.

       This Modification Note has been delivered and shall be deemed to have been made at
Chicago, Illinois and shall be interpreted and the rights and liabilities of the parties hereto
determined in accordance with the laws of the State of Illinois.  Whenever possible each
provision of the Note shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of the Note shall be prohibited or invalid under applicable
law, such provision shall be ineffective to the extent of such prohibition or invalidity, without
invalidating the remainder of such provision or the remaining provisions of the Note.  Whenever
in the Note there is reference made to Bank or Maker, such reference shall be deemed to include,
as applicable, a reference to their respective successors and assigns.  The provisions of the Note
shall be binding upon and inure to the benefit of said successors and assigns, as applicable.
Maker's successors and assigns shall include, without limitation a receiver, trustee or debtor-in-possession of or for Maker.  All references to the singular shall be deemed to include the plural
where the context so requires.

       If more than one party shall execute this Note, the term "Maker" as used herein shall
mean all parties signing this Modification Note, and each one of them, and all such parties, their
respective heirs, executors, administrators, successors and assigns, shall be, jointly and severally,
obligated hereunder.  As used herein, all provisions shall include the masculine, feminine, neuter,
singular and plural thereof, wherever the context and facts require such construction and in
particular the term "Maker" shall be so construed.

ADDITIONAL COVENANTS

       1.	Minimum Loan Advances. All loan advances under this Note shall be in a
minimum amount of Two Hundred Fifty Thousand Dollars ($250,000).

       2.	Interest Rate.  The outstanding principal amount of this Note outstanding from
time to time shall bear interest at the Interest Rate (as defined below).  Interest shall be calculated
on the basis of a year consisting of 360 days and shall be paid for the actual number of days
elapsed.  As used herein, the phrase "Interest Rate" shall mean, as applicable, the Prime Rate or
the LIBOR Rate plus one and one-quarter of one percent (1.25%), provided that in no event shall
the Interest Rate hereunder be less than three percent (3%) per annum.

       3.	Prime Rate.  Subject to the right of Maker to convert the interest rate as provided
in Section 4 below, the principal balance of this Note outstanding from time to time shall bear
interest at the Prime Rate per annum.  As used herein, the phrase "Prime Rate" means the rate in
effect from time to time as set by the Bank and called its Prime Rate.  The effective date of any
change in the Prime Rate shall for purposes hereof be the date the rate is changed by the Bank.
The Bank shall not be obligated to give notice of any change in the Prime Rate.

       4.	Interest Rate Conversion Option.  (a)  Notwithstanding the foregoing, the Maker
shall provide the Bank with written or oral notice to elect the LIBOR Rate (as defined below)
plus one and one-quarter of one percent (1.25%).

       (b)	LIBOR Rate.  (i)  For purposes hereof, the phrase "LIBOR Rate" means the per
annum rate of interest at which U.S. dollar deposits in an amount comparable to the amount of
the relevant LIBOR Rate loan and for a period equal to the relevant "Interest Period" (hereinafter
defined) are offered generally to the Bank (rounded upward if necessary, to the nearest 1/16 of
1.00%) in the London Interbank Eurodollar market at 11:00 a.m. (London time) two banking
days prior to the commencement of each Interest Period, such rate to remain fixed for such
Interest Period; and "Interest Period" shall mean successive one, two or three month periods as
selected from time to time by the Maker by notice 

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given to the Bank not less than three banking
days prior to the first day of each respective Interest Period; provided that: (a) each such one, two
or three month period occurring after such initial period shall commence on the day on which the
next preceding period expires; (b) the final Interest Period shall be such that its expiration occurs
on or before the stated maturity date of the Note; and (c) if for any reason the Maker shall fail to
select an Interest Period on a timely basis, then it shall be deemed to have selected a one month
Interest Period, with the exception that if at any time an Interest Period expires less than one
month before the maturity date of the Note, then, for the period commencing on such expiration
date and ending on the maturity date, such LIBOR Rate loan shall convert to a loan bearing
interest at the Prime Rate.

       (ii)	The Bank's determination of LIBOR as provided above shall be conclusive,
absent manifest error.  Furthermore, if the Bank determines, in good faith (which determination
shall be conclusive, absent manifest error), prior to the commencement of any Interest Period that
(a) U.S. dollar deposits of sufficient amount and maturity for funding any LIBOR Rate loan are
not available to the Bank in the London Interbank Eurodollar market in the ordinary course of
business, or (b) by reason of circumstances affecting the London Interbank Eurodollar market,
adequate and fair means do not exist for ascertaining the rate of interest to be applicable to the
relevant LIBOR Rate loan, the Bank shall promptly notify the Maker and such LIBOR Rate loan
shall automatically convert on the last day of its then-current Interest Period to a loan bearing
interest at the Prime Rate minus one and four-tenths of one percent (-1.40%).  If after the date
hereof either (a) the introduction of, or any change in any applicable law, treaty, rule, regulation
or guideline or in the interpretation or administration thereof by any governmental regulation or
any central bank or other fiscal, monetary or other authority having jurisdiction over the Bank or
its lending office (a "Regulatory Change"), shall, in the opinion of counsel to the Bank, makes it
unlawful for the Bank to make or maintain any LIBOR Rate loan evidenced hereby or (b) for any
other reason the LIBOR Rate loan funding becomes unavailable to the Bank, then the Bank shall
promptly notify the Maker and such LIBOR Rate loan shall automatically convert on the last day
of its then-current Interest Period to a loan bearing interest at the Prime Rate minus one and four-tenths of one percent (-1.40%).

       (iii)	If, for any reason, any LIBOR Rate loan is paid prior to the last banking day of its
then-current Interest Period, the Maker agrees to indemnify the Bank against any loss (including
any loss on redeployment of the funds repaid), cost or expense incurred by the Bank as a result of
such prepayment.  Of any Regulatory Change (whether or not having the force of law) shall (a)
impose, modify or deem applicable any assessment, reserve, special deposit or similar
requirement against assets held by, or deposits in or for the account of or loans by, or any other
acquisition of funds or disbursements by, the Bank; (b) subject the Bank or any LIBOR Rate loan
to any tax, duty, charge, stamp tax or fee or change the basis of taxation of payment to the Bank
of principal or interest due from the Maker to the Bank hereunder (other than a change of the
taxation of the overall net inform of the Bank); or (c) impose on the Bank any other condition
regarding such LIBOR Rate loan or the Bank's funding thereof, and the Bank shall determine
(which determination shall be conclusive, absent manifest error) that the result of the foregoing is
to increase the cost to the Bank of making or maintaining such LIBOR Rate loan or to reduce the
amount of principal or interest received by the Bank hereunder, then the Maker shall pay the
Bank, on demand, such additional amounts as the Bank shall, from time to time, determine are
sufficient to compensate and indemnify the Bank for such increased cost or reduced amount.

If Maker shall fail to indicate an interest rate option as aforesaid for any loan advance, such
advance shall be deemed to bear interest at the Prime Rate option as set forth above.

       5.	Payments.   This Note shall be repaid as follows:

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       (i)	Interest on the portion of the unpaid principal balance bearing interest at the Prime
Rate shall be payable quarterly in arrears, commencing on February 1, 2003 and continuing
quarterly thereafter.

       (ii)	Interest on each LIBOR Rate loan shall be payable on the last banking day of each
Interest Period with respect thereto.

       (iii)	A final payment equal to the total principal then remaining unpaid, plus accrued
interest, shall be paid on November 1, 2003. Any amount of principal or interest which is not
paid when due, whether at the stated maturity, by acceleration or otherwise, shall bear interest
payable on demand at an interest rate per annum equal at all times to the then applicable Interest
Rate plus two percent (2%).

       6.	Principal Prepayments.  Prepayments of Prime Rate loans are permitted at any
time, together with all interest accrued thereon to the date of prepayment, without premium or
penalty.

       7.	Commitment Fee.  Maker shall pay to the Bank a commitment fee in the amount
of one-quarter of one percent (.25%) per annum of the unused portion of the loan commitment
evidenced by this Note, which fee shall be payable quarterly, in arrears, beginning on December
1, 2002.

       8.	Indebtedness Prohibited.   Maker shall not, directly or indirectly, be liable for,
create, assume, incur or permit to exist any senior indebtedness whether as primary obligor,
guarantor, surety or otherwise, including, without limitation, purchase money indebtedness
except (a) indebtedness in favor of the Bank,  (b) indebtedness for liens for taxes or other
governmental charges incurred in the ordinary course of business; and (c) debt created by the issuance of additional shares of Trust Preferred Stock.

       9.	Reports.  Maker and Maker's Subsidiary, Great Southern Bank (the "Subsidiary")
shall maintain a standard and modern system of accounting, on the accrual basis of accounting
and in all respects in accordance with generally accepted accounting principles ("GAAP"), and
shall furnish to the Bank or its authorized representatives such information respecting the
business affairs, operations and financial condition of the Maker and Subsidiary as may be
reasonably requested.  Maker shall also deliver to the Bank the following:

       (A)	Within forty-five (45) days after the end of each accounting quarter, a Call Report
(as hereafter defined) on Maker or Subsidiary as furnished to the appropriate regulatory authority,
all in reasonable detail and certified by a principal financial officer of Maker or Subsidiary that
the statements fairly present the financial condition of Maker or Subsidiary as of the balance
sheet date and the results of their operations for the period shown; and

       (B)	Within one hundred twenty (120) days after the end of the end of the fiscal year of
Maker, a copy of the annual audit report of Maker and Subsidiary, prepared in conformity with
GAAP and applied on a basis consistent with that of the preceding fiscal year, prepared, signed
by and bearing an unqualified opinion of independent certified public accountants satisfactory to
Bank; and 

       (C)	Promptly upon receipt thereof, copies of any other report submitted to Maker or
Subsidiary, by certified public accountants in connection with any annual or interim audit of the
books made by such accountants as from time to time may be reasonably requested by Bank; and

       (D)	Promptly upon Bank's request, copies of all financial statements and reports sent
by Maker or Subsidiary, to their stockholders and any and all regular and periodic reports that
may be required to be filed by Maker or Subsidiary with the Securities and Exchange
Commission, the Office of the 

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Comptroller of the Currency, the Federal Deposit Insurance Corp.,
the Board of Governors of the Federal Reserve System and any other governmental agency
having enforceable jurisdiction over the business and affairs of Maker and Subsidiary; and 

       (E)	With reasonable promptness, such other data and information as from time to time
may be reasonably requested by Bank.

       10.	Financial Covenants.  

       (A)	The Maker or Subsidiary shall maintain such capital as is necessary to cause the
Maker or Subsidiary to be classified as a "Well Capitalized" institution in accordance with the
regulations of the FDIC, currently measured on the basis of information filed by Maker or
Subsidiary in its quarterly Consolidated Report of Income and Condition (the "Call Report") as
follows:

		Total Capital to Risk-Weighted Assets of not less than 10%;
		Tier 1 Capital to Risk-Weighted Assets of not less than 6%; and
		Tier 1 Capital to average Total Assets of not less than 5%.  For the
purposes of this subsection (A)(iii), the average Total Assets shall be
determined on the basis of information contained in the preceding four (4)
Call Reports;

       (B)	The Maker or Subsidiary shall cause the ratio of non-performing loans to the
primary capital of Subsidiary to be not more than twenty-five percent (25%) at all times.  For
purposes of this section, "primary capital" shall mean the sum of the common stock, surplus and
retained earning accounts plus the reserve for loan and lease losses, and "non-performing loans"
shall mean the sum of all non-accrual loans and loans on which any payment is ninety (90) or
more days past due.

       IN WITNESS WHEREOF, the Maker has executed this Modification Note on the day
and year first above written.

		GREAT SOUTHERN BANCORP, INC.
	

	
		By:  /s/ Rex A. Copeland

		Its:  Treasurer

	
	
	INFORMATIONAL NOTICE	
	
	
	The Prime Rate on the date of this Note is
____% which Prime Rate is subject to
change from time to time as provided in
this Note.	

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