Regular Saving Disclosure

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SAVINGS ACCOUNT DISCLOSURES

THE STATE BANK OF HILDRETH, Hildreth, Nebraska

INQUIRIES, CALL: (308)938-2155

Member FDIC

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded quarterly. Interest will be credited to your account quarterly.

Minimum balance to open the account - You must deposit $100.00 to open this account. There is no minimum opening balance required for students or children age 19 or younger.

Minimum balance to avoid imposition of fees - If your balance falls below $100.00 on any day of the cycle we will impose a service charge fee of $5.00 per quarter. Students and children age 19 or younger are exempt from this fee.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accured interest.

Acura of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items(for example, checks).

Transaction limits:
Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per quarterly statement cycle with no more than three by debit card or similar order to third parties.

Fees:
A per item fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a month.