Document:

EXHIBIT 10.1

GREAT SOUTHERN BANCORP, INC.

2003 STOCK OPTION AND INCENTIVE PLAN

INCENTIVE STOCK OPTION AGREEMENT

ISO NO.  

         This Option is granted on __________, 20__, (the "Grant Date"), by Great Southern Bancorp, Inc., a Delaware-chartered
corporation (the "Corporation"), to _______________ (the "Optionee"), in accordance with the following terms and conditions:

         1.  Option Grant and Exercise Period.  The Corporation hereby grants to the Optionee an Incentive Stock
Option ("Option") to purchase, pursuant to the Great Southern Bancorp, Inc. 2003 Stock Option and Incentive Plan,
as the same may be amended from time to time (the "Plan"), and upon the terms and conditions therein and
hereinafter set forth, an aggregate of  __________shares (the "Option Shares") of the common stock of the Corporation
("Common Stock") at the price of $____ per share (the "Exercise Price").  A copy of the Plan, as currently in effect, is
incorporated herein by reference and is attached to this Award Agreement.

         This Option shall be exercisable only during the period (the "Exercise Period") commencing on the dates
set forth in Section 2 below, and ending at 5:00 p.m., Springfield, Missouri time, on the date ten years after the
Grant Date, such later time and date being hereinafter referred to as the "Expiration Date," subject to earlier
expiration in accordance with Section 5 in the event of a termination of Continuous Service.  The aggregate Market
Value (as determined on the Grant Date) of the Option Shares with respect to which Incentive Stock Options are
exercisable for the first time by the Optionee in any calendar year shall not exceed One Hundred Thousand Dollars
($100,000.00).  To the extent that this Option does not qualify as an Incentive Stock Option for any reason, it shall
be deemed ab initio to be a Non-Qualified Stock Option.

         2.  Method of Exercise of This Option.  Except as otherwise provided in this Agreement, this Option may
be exercised during the Exercise Period, with respect to not more than the cumulative number of Option Shares set
forth below on or after the dates indicated, by giving written notice to the Corporation as hereinafter provided
specifying the number of Option Shares to be purchased.

	Cumulative
Number of Option
Shares Exercisable	

Date

The notice of exercise of this Option shall be in the form prescribed by the Committee referred to in Section 3 of the
Plan and directed to the address set forth in Section 12 below.  The date of exercise is the date on which such notice
is received by the Corporation.  Such notice shall be accompanied by payment in full of the Exercise Price for the
Option Shares to be purchased upon such exercise.  Payment shall be made (i) in cash, which may be in the form of
a check, money order, cashier's check or certified check, payable to the Corporation, or (ii) by delivering shares of
Common Stock already owned by the Optionee having an aggregate Market Value equal to the aggregate Exercise
Price, or (iii) a combination of cash and such shares.  Promptly after such payment, subject to Section 3 below, the
Corporation shall issue and deliver to the Optionee or other person exercising this Option a certificate or certificates
representing the shares of Common Stock so purchased, registered in the name of the Optionee (or such other
person), or, upon request, in the name of the Optionee (or such other person) and in the name of another in such
form of joint ownership as requested by the Optionee (or such other person) pursuant to applicable state law.

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         3.  Delivery and Registration of Shares of Common Stock.  The Corporation's obligation to deliver shares
of Common Stock hereunder shall, if the Committee so requests, be conditioned upon the Optionee's compliance
with the terms and provisions of Section 17 of the Plan.

         4.  Nontransferability of This Option.  This Option may not be assigned, encumbered, transferred, pledged
or hypothecated except, in the event of the death of the Optionee, by will or the applicable laws of descent and
distribution to the extent provided in Section 5 below.  This Option is exercisable during the Optionee's lifetime
only by the Optionee or a person acting with the legal authority of the Optionee.  The provisions of this Option shall
be binding upon, inure to the benefit of and be enforceable by the parties hereto, the successors and assigns of the
Corporation and any person acting with the legal authority of the Optionee or to whom this Option is transferred by
will or by the laws of descent and distribution.

         5.  Termination of Continuous Service or Death of the Optionee.  Except as provided in this Section 5 and
Section 9 below, and notwithstanding any other provision of this Option to the contrary, this Option shall be
exercisable only if the Optionee has not incurred a termination of Continuous Service at the time of such exercise.

         If the Optionee incurs a termination of Continuous Service for any reason excluding death and termination
of Continuous Service for Cause, the Optionee may, but only within the period of three months (or one year in the
case of Disability) immediately succeeding such termination of Continuous Service and in no event after the
Expiration Date, exercise this Option to the extent the Optionee was entitled to exercise this Option on the date of
termination of Continuous Service.  If the Optionee incurs a termination of Continuous Service for Cause, all rights
under this Option shall expire immediately upon the giving to the Optionee of notice of his termination.

         In the event of the death of the Optionee prior to the Optionee's termination of Continuous Service or
during the three-month or one-year period referred to in the immediately preceding paragraph, the person or persons
to whom the Option has been transferred by will or by the laws of descent and distribution may, but only to the
extent the Optionee was entitled to exercise this Option on the date of the Optionee's death, exercise this Option at
any time within one year following the death of the Optionee, but in no event after the Expiration Date.  Following
the death of the Optionee, the Committee may, in its sole discretion, as an alternative means of settlement of this
Option, elect to pay to the person to whom this Option is transferred by will or by the laws of descent and
distribution, the amount by which the Market Value per share of Common Stock on the date of exercise of this
Option shall exceed the Exercise Price per Option Share, multiplied by the number of Option Shares with respect to
which this Option is properly exercised.  Any such settlement of this Option shall be considered an exercise of this
Option for all purposes of this Option and of the Plan.

         6.  Notice of Sale.  The Optionee or any person to whom the Option Shares shall have been transferred
shall promptly give notice to the Corporation in the event of the sale or other disposition of Option Shares within
the later of (i) two years from the Grant Date or (ii) one year from the date of exercise of this Option.  Such notice
shall specify the number of Option Shares sold or otherwise disposed of and be directed to the address set forth in
Section 12 below.

         7.  Adjustments for Changes in Capitalization of the Corporation.  In the event of any change in the
outstanding shares of Common Stock by reason of any recapitalization, stock split, reverse stock split, stock
dividend, reorganization, consolidation, combination or exchange of shares, merger, or any other change in the
corporate structure of the Corporation or in the shares of Common Stock, the number and class of shares covered by
this Option and the Exercise Price shall be appropriately adjusted by the Committee, whose determination shall be
conclusive.

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         8.  Effect of Merger or Other Reorganization.  In the event of any merger, consolidation or combination of
the Corporation with or into another corporation (other than a merger, consolidation or combination in which the
Corporation is the continuing corporation and which does not result in the outstanding shares of Common Stock
being converted into or exchanged for different securities, cash or other property, or any combination thereof), the
Optionee shall have the right (subject to the provisions of the Plan and the limitations contained herein), thereafter
and during the Exercise Period, to receive upon exercise of this Option an amount equal to the excess of the Market
Value on the date of such exercise of the securities, cash or other property, or combination thereof, receivable upon
such merger, consolidation or combination in respect of a share of Common Stock over the Exercise Price,
multiplied by the number of Option Shares with respect to which this Option shall have been exercised.  Such
amount may be payable fully in cash, fully in one or more of the kind or kinds of property payable in such merger,
consolidation or combination, or partly in cash and partly in one or more of such kind or kinds of property, all in the
discretion of the Committee.

         9.  Effect of Change in Control.  If a tender offer or exchange offer for shares of the Corporation (other
than such an offer by the Corporation) is commenced, or if a change in control (as defined in the Plan) shall occur,
this Option shall (to the extent it is not then exercisable) become exercisable in full upon the happening of such
events; provided, however, that this Option shall not become exercisable to the extent that it has previously been
exercised or otherwise terminated.

         10.  Stockholder Rights Not Granted by This Option.  The Optionee is not entitled by virtue hereof to any
rights of a stockholder of the Corporation or to notice of meetings of stockholders or to notice of any other
proceedings of the Corporation. 

         11.  Withholding Tax.  Where the Optionee or another person is entitled to receive Option Shares pursuant
to the exercise of this Option, the Corporation shall have the right to require the Optionee or such other person to
pay to the Corporation the amount of any taxes which the Corporation or any of its Affiliates is required to withhold
with respect to such Option Shares, or, in lieu thereof, to retain, or sell without notice, a sufficient number of such
shares to cover the amount required to be withheld, or in lieu of any of the foregoing, to withhold a sufficient sum
from the Optionee's compensation payable by the Corporation to satisfy the Corporation's tax withholding
requirements.

         12.  Notices.  All notices to the Corporation shall be delivered or mailed to it addressed to the Secretary of
Great Southern Bancorp, Inc., 1451 E. Battlefield, Springfield, Missouri 65804.  Any notices hereunder to the
Optionee shall be delivered personally or mailed to the Optionee's address noted below.  Such addresses for the
service of notices may be changed at any time provided written notice of the change is furnished in advance to the
Corporation or to the Optionee, as the case may be.

         13.  Plan and Plan Interpretations as Controlling.  This Option and the terms and conditions herein set forth
are subject in all respects to the terms and conditions of the Plan, which are controlling.  Capitalized terms used
herein which are not defined in this Award Agreement shall have the meaning ascribed to such terms in the Plan.
All determinations and interpretations made in the discretion of the Committee shall be final and conclusive upon
the Optionee or his legal representatives with regard to any question arising hereunder or under the Plan.

         14.  Optionee Service.  Nothing in this Option shall limit the right of the Corporation or any of its
Affiliates to terminate the Optionee's service as a director, advisory director, or employee, or otherwise impose upon
the Corporation or any of its Affiliates any obligation to employ or accept the services of the Optionee.

         15.  Amendment.  The Committee may waive any conditions of or rights of the Corporation or modify or
amend the terms of this Award Agreement; provided, however, that the Committee may not amend, alter, suspend,
discontinue or terminate any provision hereof which may adversely affect the Optionee without the Optionee's (or
his legal representative's) written consent.

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         16.  Nondisclosure of Confidential Information and Non-solicitation. Information concerning any Great
Southern customer or the business matters of Great Southern (including any of its subsidiaries and affiliates)
learned or obtained as a result of employment with Great Southern is privileged, private, and confidential.  The
employee agrees to protect all such information and not disclose it to any unauthorized persons, either during or
after employment.  Furthermore, the employee understands that any password and/or security code issued to allow
access to designated areas of Great Southern, including any computer system(s), is also to be treated as privileged,
private, and confidential, and must not be disclosed to any unauthorized persons, either during or after employment.
The employee understands that disregard of this Agreement would damage Great Southern, will result in
disciplinary action up to and including termination, and may also be a violation of State and/or Federal law or
regulation.

The employee also agrees that, upon leaving employment with Great Southern, for whatever reason, whether
voluntary or involuntary, the employee will not keep, take, or divulge to any individual or entity information relating
to customers or the business matters of Great Southern.  The employee further agrees that, for a period of three (3)
years from the date of such termination of employment, he/she will not solicit or service, either directly or
indirectly, any Great Southern customer where information about the customer was obtained through employment
with Great Southern.  Should any employee breach this Agreement either during or after employment, Great
Southern shall be entitled to obtain injunctive relief, and also to recover from that employee any damages caused by
such breach, and all costs associated with enforcement of this Agreement, including, but not limited to, reasonable
attorneys' fees and expenses. 

         17. Optionee Acceptance.  The Optionee shall signify his acceptance of the terms and conditions of this
Option by signing in the space provided below and returning a signed copy hereof to the Corporation at the address
set forth in Section 12 above.

         The parties hereto have caused this Award Agreement to be executed as of the date first above written.

			GREAT SOUTHERN BANCORP, INC.

		By:	
Joseph W. Turner, President

ACCEPTED:

(Street Address)

(City, State and Zip Code)

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Next PageEXHIBIT 10.2

GREAT SOUTHERN BANCORP, INC.

2003 STOCK OPTION AND INCENTIVE PLAN

NON-QUALIFIED STOCK OPTION AGREEMENT

NQSO NO.  

         This Option is granted on __________, 20__ (the "Grant Date"), by Great Southern Bancorp, Inc., a Delaware-chartered
corporation (the "Corporation"), to  _________________ (the "Optionee"), in accordance with the following terms and conditions:

         1.  Option Grant and Exercise Period.  The Corporation hereby grants to the Optionee a Non-Qualified
Stock Option ("Option") to purchase, pursuant to the Great Southern Bancorp, Inc. 2003 Stock Option and
Incentive Plan, as the same may be amended from time to time (the "Plan"), and upon the terms and conditions
therein and hereinafter set forth, an aggregate of __________shares (the "Option Shares") of the common stock of the
Corporation ("Common Stock") at the price of $_____ per share (the "Exercise Price").  A copy of the Plan, as currently
in effect, is incorporated herein by reference and is attached to this Award Agreement.

         This Option shall be exercisable only during the period (the "Exercise Period") commencing on the dates
set forth in Section 2 below, and ending at 5:00 p.m., Springfield, Missouri time, on the date ten years after the
Grant Date, such later time and date being hereinafter referred to as the "Expiration Date," subject to earlier
expiration in accordance with Section 5 in the event of a termination of Continuous Service.

         2.  Method of Exercise of This Option.  Except as otherwise provided in this Agreement, this Option may
be exercised during the Exercise Period, with respect to not more than the cumulative number of Option Shares set
forth below on or after the dates indicated, by giving written notice to the Corporation as hereinafter provided
specifying the number of Option Shares to be purchased.

	Cumulative
Number of Option
Shares Exercisable	

Date

The notice of exercise of this Option shall be in the form prescribed by the Committee referred to in Section 3 of the
Plan and directed to the address set forth in Section 11 below.  The date of exercise is the date on which such notice
is received by the Corporation.  Such notice shall be accompanied by payment in full of the Exercise Price for the
Option Shares to be purchased upon such exercise.  Payment shall be made (i) in cash, which may be in the form of
a check, money order, cashier's check or certified check, payable to the Corporation, or (ii) by delivering shares of
Common Stock already owned by the Optionee having an aggregate Market Value equal to the aggregate Exercise
Price, or (iii) a combination of cash and such shares.  Promptly after such payment, subject to Section 3 below, the
Corporation shall issue and deliver to the Optionee or other person exercising this Option a certificate or certificates
representing the shares of Common Stock so purchased, registered in the name of the Optionee (or such other
person), or, upon request, in the name of the Optionee (or such other person) and in the name of another in such
form of joint ownership as requested by the Optionee (or such other person) pursuant to applicable state law.

         3.  Delivery and Registration of Shares of Common Stock.  The Corporation's obligation to deliver shares
of Common Stock hereunder shall, if the Committee so requests, be conditioned upon the Optionee's compliance
with the terms and provisions of Section 17 of the Plan.

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         4.  Nontransferability of This Option.  This Option may not be assigned, encumbered, transferred, pledged
or hypothecated except, (i) in the event of the death of the Optionee, by will or the applicable laws of descent and
distribution, or (ii) pursuant to a "domestic relations order," as defined in Section 414(p)(1)(B) of the Code, or (iii)
by a gift to any member of the Optionee's immediate family or to a trust for the benefit of one or more of such
immediate family members.  During the lifetime of the Optionee, this Option shall be exercisable only by the
Optionee or a person acting with the legal authority of the Optionee unless it has been transferred as permitted
hereby, in which case it shall be exercisable only by such transferee.  For the purpose of this Section 4, a Optionee's
"immediate family" shall mean the Optionee's spouse, children and grandchildren.  The provisions of this Option
shall be binding upon, inure to the benefit of and be enforceable by the parties hereto, the successors and assigns of
the Corporation and any person acting with the legal authority of the Optionee or to whom this Option is transferred
in accordance with this Section 4.

         5.  Termination of Continuous Service or Death of the Optionee.  Except as provided in this Section 5 and
Section 8 below, and notwithstanding any other provision of this Option to the contrary, this Option shall be
exercisable only if the Optionee has not incurred a termination of Continuous Service at the time of such exercise.

         If the Optionee incurs a termination of Continuous Service for any reason excluding death and termination
of Continuous Service for Cause, the Optionee may, but only within the period of three months (or one year in the
case of Disability) immediately succeeding such termination of Continuous Service and in no event after the
Expiration Date, exercise this Option to the extent the Optionee was entitled to exercise this Option on the date of
termination of Continuous Service.  If the Optionee incurs a termination of Continuous Service for Cause, all rights
under this Option shall expire immediately upon the giving to the Optionee of notice of his termination.

         In the event of the death of the Optionee prior to the Optionee's termination of Continuous Service or
during the three-month or one-year period referred to in the immediately preceding paragraph, the person or persons
to whom the Option has been transferred pursuant to Section 4 may, but only to the extent the Optionee was entitled
to exercise this Option on the date of the Optionee's death, exercise this Option at any time within one year
following the death of the Optionee, but in no event after the Expiration Date.  Following the death of the Optionee,
the Committee may, in its sole discretion, as an alternative means of settlement of this Option, elect to pay to the
person to whom this Option is transferred pursuant to Section 4 the amount by which the Market Value per share of
Common Stock on the date of exercise of this Option shall exceed the Exercise Price per Option Share, multiplied
by the number of Option Shares with respect to which this Option is properly exercised.  Any such settlement of this
Option shall be considered an exercise of this Option for all purposes of this Option and of the Plan.

         6.  Adjustments for Changes in Capitalization of the Corporation.  In the event of any change in the
outstanding shares of Common Stock by reason of any recapitalization, stock split, reverse stock split, stock
dividend, reorganization, consolidation, combination or exchange of shares, merger, or any other change in the
corporate structure of the Corporation or in the shares of Common Stock, the number and class of shares covered by
this Option and the Exercise Price shall be appropriately adjusted by the Committee, whose determination shall be
conclusive.

         7.  Effect of Merger or Other Reorganization.  In the event of any merger, consolidation or combination of
the Corporation with or into another corporation (other than a merger, consolidation or combination in which the
Corporation is the continuing corporation and which does not result in the outstanding shares of Common Stock
being converted into or exchanged for different securities, cash or other property, or any combination thereof), the
Optionee shall have the right (subject to the provisions of the Plan and the limitations contained herein), thereafter
and during the Exercise Period, to receive upon exercise of this Option an amount equal to the excess of the Market
Value on the date of such exercise of the securities, cash or other property, or combination thereof, receivable upon
such merger, consolidation or combination in respect of a share of Common Stock over the Exercise Price,
multiplied by the number of Option Shares with respect to which this Option shall have been exercised.  Such
amount may be payable fully in cash, fully in one or more of the kind or kinds of property payable in such merger,
consolidation or combination, or partly in cash and partly in one or more of such kind or kinds of property, all in the
discretion of the Committee.

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         8.  Effect of Change in Control.  If a tender offer or exchange offer for shares of the Corporation (other
than such an offer by the Corporation) is commenced, or if a change in control (as defined in the Plan) shall occur,
this Option shall (to the extent it is not then exercisable) become exercisable in full upon the happening of such
events; provided, however, that this Option shall not become exercisable to the extent that it has previously been
exercised or otherwise terminated.

         9.  Stockholder Rights Not Granted by This Option.  The Optionee is not entitled by virtue hereof to any
rights of a stockholder of the Corporation or to notice of meetings of stockholders or to notice of any other
proceedings of the Corporation.

         10.  Withholding Tax.  Where the Optionee or another person is entitled to receive Option Shares pursuant
to the exercise of this Option, the Corporation shall have the right to require the Optionee or such other person to
pay to the Corporation the amount of any taxes which the Corporation or any of its Affiliates is required to withhold
with respect to such Option Shares, or in lieu thereof, to retain, or sell without notice, a sufficient number of such
shares to cover the amount required to be withheld, or, in lieu of any of the foregoing, to withhold a sufficient sum
from the Optionee's compensation payable by the Corporation to satisfy the Corporation's tax withholding
requirements.

         11.  Notices.  All notices hereunder to the Corporation shall be delivered or mailed to it addressed to the
Secretary of Great Southern Bancorp, Inc., 1451 E. Battlefield, Springfield, Missouri 65804.  Any notices hereunder
to the Optionee shall be delivered personally or mailed to the Optionee's address noted below.  Such addresses for
the service of notices may be changed at any time provided written notice of the change is furnished in advance to
the Corporation or to the Optionee, as the case may be.

         12.  Plan and Plan Interpretations as Controlling.  This Option and the terms and conditions herein set forth
are subject in all respects to the terms and conditions of the Plan, which are controlling.  Capitalized terms used
herein which are not defined in this Award Agreement shall have the meaning ascribed to such terms in the Plan.
All determinations and interpretations made in the discretion of the Committee shall be final and conclusive upon
the Optionee or his legal representatives with regard to any question arising hereunder or under the Plan.

         13.  Optionee Service.  Nothing in this Option shall limit the right of the Corporation or any of its
Affiliates to terminate the Optionee's service as a director, advisory director, or employee, or otherwise impose upon
the Corporation or any of its Affiliates any obligation to employ or accept the services of the Optionee.

         14.  Amendment.  The Committee may waive any conditions of or rights of the Corporation or modify or
amend the terms of this Award Agreement; provided, however, that the Committee may not amend, alter, suspend,
discontinue or terminate any provision hereof which may adversely affect the Optionee without the Optionee's (or
his legal representative's) written consent.

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15.  Nondisclosure of Confidential Information and Non-Solicitation.  Information concerning any Great
Southern customer or the business matters of Great Southern (including any of its subsidiaries and affiliates)
learned or obtained as a result of employment with Great Southern is privileged, private, and confidential.  The
employee agrees to protect all such information and not disclose it to any unauthorized persons, either during or
after employment.  Furthermore, the employee understands that any password and/or security code issued to allow
access to designated areas of Great Southern, including any computer system(s), is also to be treated as privileged,
private, and confidential, and must not be disclosed to any unauthorized persons, either during or after employment.
The employee understands that disregard of this Agreement would damage Great Southern, will result in
disciplinary action up to and including termination, and may also be a violation of State and/or Federal law or
regulation.

The employee also agrees that, upon leaving employment with Great Southern, for whatever reason, whether
voluntary or involuntary, the employee will not keep, take, or divulge to any individual or entity information relating
to customers or the business matters of Great Southern.  The employee further agrees that, for a period of three (3)
years from the date of such termination of employment, he/she will not solicit or service, either directly or
indirectly, any Great Southern customer where information about the customer was obtained through employment
with Great Southern.  Should any employee breach this Agreement either during or after employment, Great
Southern shall be entitled to obtain injunctive relief, and also to recover from that employee any damages caused by
such breach, and all costs associated with enforcement of this Agreement, including, but not limited to, reasonable
attorneys' fees and expenses.

         16.  Optionee Acceptance.  The Optionee shall signify his acceptance of the terms and conditions of this
Option by signing in the space provided below and returning a signed copy hereof to the Corporation at the address
set forth in Section 11 above.

         The parties hereto have caused this Award Agreement to be executed as of the date first above written.

			GREAT SOUTHERN BANCORP, INC.

		By:	
Larry Larimore, Secretary

ACCEPTED:

(Street Address)

(City, State and Zip Code)

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End

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