DISCLOSURE OF FEES AND ACCOUNT TERMS FOR

MONEY MARKET ACCOUNTS AT

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 every month. Interest will be credited to your account every month.

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 accursed interest.

Accrual 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 Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

Fees:
A per item fee of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a statement cycle.