DEPOSIT ACCOUNT AND FEE DISCLOSURE

HAVILAND STATE BANK
209 NORTH MAIN
P O BOX 348
HAVILAND STATE BANK

September 18, 2009

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

3 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 3 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 3 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of one month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

6 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 6 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 1 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

12 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 1 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

14 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 14 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 14 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

18 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 18 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

21 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 21 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 21 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

24 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

30 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 30 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 30 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

48 MONTH CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 48 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You may not make additional deposits into this account.

Account Fees: NONE

Time Account Information: Your account will mature in 48 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be held with no interest accruing until specific instructions are received from the depositor.

SAVINGS ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate on the account will never increase by more than 2.00% each rate change. The interest rate on the account will never decrease by more than 2.00% each rate change. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Monthly base fee is $2.00 if on any day during the statement cycle your balance falls below $50.00. There is a per debit fee of $2.00 for each withdrawal after 6 during the quarter. The following fee applies to this account: DORMANT ACCOUNT FEE 1: $3.00 PER MONTH, NO CUSTOMER GENERATED ACTIVITY FOR 24 CONSECUTIVE MONTHS, AND BALANCE BELOW MINIMUM TO AVOID SERVICE CHARGE.

TIERED RATE MONEY MARKET ACCOUNT

MONEY MARKET ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the average daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate on the account will never increase by more than 2.00% each rate change. The interest rate on the account will never decrease by more than 2.00% each rate change. Interest begins to accrue of on the business day you deposit noncash items (for example, checks). Interest will be compound monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Monthly base fee of $5.00 if the daily balance on any day during the statement cycle falls below $2,500.00. If the minimum daily balance requirement is not met there will be a per debit fee of $1.50 for each debit in excess of 6.

ALLIANCE MONEY MARKET ACCOUNT

THIS IS A RELATIONSHIP MONEY MARKET ACCOUNT. ELIGIBILITY FOR THIS ACCOUNT IS BASED UPON THE EXISTENCE OF AN ADDITIONAL DEPOSIT ACCOUNT OR LOAN.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate on the account will never increase by more than 2.00% each rate change. The interest rate on the account will never decrease by more than 2.00% each rate change. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction.  Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Monthly base fee of $5.00 if on any day during the statement cycle your daily balance falls below $2,500.00. If the minimum daily balance requirement is not met there will be a per debit fee of $1.50 for each debit in excess of 6.

MM KEY ACCOUNT

BUSINESS MONEY MARKET ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Monthly base fee is $5.00 if the daily balance on any day during the statement cycle falls below $2,500.00. If the minimum daily balance requirement is not met there will be a per debit fee of $1.50 for each debit in excess of 6.

NOW ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate on the account will never increase by more than 2.00% each rate change. The interest rate on the account will never decrease by more than 2.00% each rate change. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1,000.00 to open this account. Unlimited transactions.

Account Fees: Monthly base fee is $5.00 if on any day during the statement cycle your daily balance falls below $1,000.00. There are no per debit fees if the minimum daily balance requirements is met. If the minimum daily balance requirement is not met there is a per debit fee of $.10 for each debit item.

SUPER NOW ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate on the account will never increase by more than 2.00% each rate change. The interest rate on the account will never decrease by more than 2.00% each rate change. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to principal in the account each day.

LIMITATIONS: You must deposit $2,500.00 to open this account.

Account Fees: Monthly base fee is $5.00 if on any day during the statement cycle your daily balance falls below $2,500.00. There are no per debit fees if the minimum daily balance requirements is met. If the minimum daily balance requirement is not met there is a per debit fee of $.10 for each debit item.

REGULAR ACCOUNT

Limitation: You must deposit $50.00 to open this account. Unlimited transactions.

Account Fees: If your daily balance during the statement cycle never falls below $500.00 there is no monthly base fee, and no debit fees, if your balance falls below $500.00 on any one day during your statement cycle, you will be charged a base fee of $5.00, and a per debit charge of $.10 for each debit transaction posted during the cycle.

STUDENT/ECONOMY ACCOUNT

STUDENT/ECONOMY CHECKING ACCOUNT

Limitations: You must deposit $10.00 to open this account. Unlimited transactions.

Account Fees: Monthly base fee is $2.50; there is no charge for the first 10 debits per statement cycle and a per debit charge of $.10, after 10.

SENIORS ACCOUNT

THIS ACCOUNT AVAILABLE TO PERSONS AGE 55 AND OVER

Limitations: You must deposit $50.00 to open this account. Unlimited transactions.

Account Fees: If your daily balance during your statement cycle never falls below $300.00 there is no monthly base fee. If your daily balance falls below $300.00 on any day during the monthly cycle, there will be a monthly base fee of $5.00, and a per debit charge of $.10 for each debit transaction posted during the cycle. Complimentary services available to holders of this account are: UNLIMITED NOTARY SERVICE, ONE FAX PER MONTH, AND MONTHLY COMBINED ACCOUNT STATEMENT.

OTHER ACCOUNT FEES

The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:

RETURNED ITEM FEE (INCLUDING ACH ITEMS):	$22.50/PER ITEM
ACCOUNT BALANCING/RESEARCH TIME:	$25.00 PER HOUR (1 HOUR MINIMUM)
STOP PAYMENT REQUEST:	$15.00 PER ITEM
NON SUFFICIENT FUNDS:	$17.50 PER ITEM

The following fee applies to TIERED RATE MONEY MARKET ACCOUNT; ALLIANCE MONEY MARKET ACCOUNT; MM KEY ACCOUNT; NOW ACCOUNT; SUPER NOW ACCOUNT; REGULAR ACCOUNT; STUDENT/ECONOMY ACCOUNT; and SENIORS ACCOUNT Accounts:

DORMANT ACCOUNT FEE:	$3.00 PER MONTH, NO CUSTOMER GENERATED ACTIVITY FOR 12 CONSECUTIVE MONTHS, AND BALANCE BELOW MINIMUM TO AVOID SERVICE CHARGE
CHECK PRINTING:	CHARGE DEPENDS UPON STYLE AND QUANTITY ORDERED

MISCELLANEOUS FEES AND CHARGES

OTHER SERVICES
MONEY ORDERS:	$2.50 PER MONEY ORDER
DIRECT DEPOSIT:	NO CHARGE
ESCROW SET-UP FEE:	$150.00/SET-UP FEE, $15.00/ANNUAL FEE, $4.00/MONTHLY FEE
FAX SERVICE:	$1.00/PER PAGE, $2.00 MINIMUM
SPECIAL STATEMENTS:	$2.00 PER STATEMENT
NON-CUSTOMER CHECK CASHING:	$5.00/MINIMUM PER CHECK OR 1% OF TOTAL, PLUS $2.00 FOR EACH NECESSARY PHONE CALL
PHOTOCOPIES:	$.25 PER PAGE
OUT BOUND WIRE TRANSFER:	$15.00
IN BOUND WIRE TRANSFER:	$5.00
RETURNED DEPOSIT ITEMS:	$5.00 PER ITEM
STOP PAYMENT REQUEST:	$15.00 PER ITEM
GARNISHMENTS:	$10.00 EACH
EXECUTIONS:	$10.00 EACH
LEVIES:	$10.00 EACH
TELEPHONE TRANSFER:	$1.00/TRANSFER
AUTOMATIC TRANSFER SAVINGS TO CHECKING:	$1.50/TRANSFER
AUTOMATIC TRANSFER CHECKING TO SAVINGS:	$1.50/TRANSFER
ITEMS SENT FOR COLLECTION:	$20.00 PER ITEM
SAFE DEPOSIT BOXES:	3X5 $12.00 PER YEAR, 3X9 $15.00 PER YEAR, 5X9 $20.00, AND 12X12 $35.00 PER YEAR.
INTL WIRE TRANSFER:	$60.00
LOST SD KEY-DRILL BOX LOCK:	$150.00
CHECK PRINTING:	CHARGE DEPENDS UPON STYLE AND QUANTITY ORDERED

ELECTRONIC FUNDS TRANSFER SERVICE LIMITS AND FEES

ATM CARD SERVICES

THIS CARD ALLOWS YOU TO WITHDRAW CASH AND PERFORM CERTAIN OTHER SERVICES AT ATMs DISPLAYING INSTAKEY PLUS AND HONOR LOGOS. If you have this ATM service, the following limitations and fees will apply to your account:

• You may withdraw up to maximum for $200.00 (if there are sufficient funds in your account) per day.
• A USAGE FEE MAY BE ASSESSED AT ATM TERMINALS A $.10 DEBIT CHARGE WILL BE ASSESSED FOR EACH TRANSFER YOU MAKE USING AUTOMATIC TELLER MACHINES, TELEPHONE BILL PAYMENT SERVICE, OR POINT-OF-SALE TRANSFERS, IF ACCOUNT BALANCE FALLS BELOW ESTABLISHED ACCOUNT MINIMUMS.
• There is a Replacement Card Fee of $5.00 per card.

GOVERNMENT DIRECT DEPOSIT - 1199A

ELECTRONIC FUND TRANSFER. If you have this EFT service, the following limitations and fees will apply to your account:

• We do not charge for any preauthorized EFTs.
• We will charge $15.00 for each stop-payment order for preauthorized transfers.

DIRECT DEPOSIT - NON-GOVERNMENT SOURCE

If you have this EFT service, the following limitations and fees will apply to your account:

• We do not charge for any preauthorized EFTs.
• We will charge $15.00 for each stop-payment order for preauthorized transfers.

PRE-AUTHORIZED DEBIT SERVICE

If you have this EFT service, the following limitations and fees will apply to your account:

• We do not charge for any preauthorized EFTs.
• We will charge $15.00 for each stop-payment order for preauthorized transfers.

DEBIT CARD SERVICES

POINT OF SALE PURCHASES WITHOUT WRITING A CHECK WITH ATM CONVENIENCE. If you have this Point of Sale service, the following limitations and fees will apply to your account:

• PURCHASES UP TO YOUR ACCOUNT BALANCE ARE ALLOWED. DAILY ATM WITHDRAWALS ARE LIMITED TO THE LESSER OF $400.00 OR THE BALANCE OF YOUR ACCOUNT.
• A $.10 DEBIT CHARGE WILL BE ASSESSED FOR EACH TRANSFER YOU MAKE USING AUTOMATIC TELLER MACHINES, TELEPHONE BILL PAYMENT SERVICE, OR POINT-OF-SALE TRANSFERS IF ACCOUNT BALANCE FALLS BELOW ESTABLISHED ACCOUNT MINIMUMS. A USAGE FEE MAY BE ASSESSED WHEN THE CARD IS USED AT ATM TERMINALS. A FEE OF $5.00 WILL BE CHARGED FOR REISSUE OF A LOST CARD.