REGULAR CHECKING ACCOUNTS

* Please press the "Back" button on your browser when you are finished reading this disclosure.

CURRENT AS OF: 09/01/2010

DISCLOSURE OF FEES AND ACCOUNT TERMS FOR

REGULAR CHECKING ACCOUNTS AT

THE STATE BANK OF HILDRETH, Hildreth, Nebraska

INQUIRIES, CALL: (308)938-2155

Member FDIC

FEE SCHEDULE:

Monthly maintenance fee charged if the ledger balance in the account falls below certain amount at one time during the statement cycle:

(1) Minimum balance less than $100.00							$ 5.00

(2) Minimum balance between $199.99 and $100.00							$4.00

(3) Minimum balance between $299.00 and $200.00							$ 3.00

(4) Minimum balance between $399.99 and $300.00							$2.00

(5) Minimum balance between $499.99 and $400.00							$1.00

Fees:
A per check fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 35 during a month. This fee will not apply for full time students.

Student Checking Account

Fees:
An overdraft fee of $5.00 will be charged.
A continuous NSF fee of $5.00 will be charged.
A return item fee of $5.00 will be charged.

Special Checking Account

Fees:
A per check fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).

Fee to stop the payment of a check (Stop Payment Charge) . . . . . . . . . . $15.00
Fee for checks drawn on your account and returned unpaid (Returned Check Charge) . . . . . . . . . . $15.00
Fee for paying a check that overdraws your account (Overdraft Charge) . . . . . . . . . . $15.00
Fee imposed every 5th business day on an overdraft (Overdrawn Account Charge) . . . . . . . . . . $15.00
Fee for the printing of checks (Deluxe Check Chk Order) . . . . . . . . . . Prices Vary
Fee for garnishments or tax levies (Garnishment/Levy Fee) . . . . . . . . . . $15.00

An account is dormant, if for one year for checking accounts or 2 years for savings accounts, you have made no deposits or withdrawals to the account and the balance is $100.00 or less.

Dormant account fee . . . . . . . . . . $ 1.00, (This fee is charged each month)
Fee per hour for account research (Research Fee) . . . . . . . . . . $20.00
Fee for each photocopy of account related items (Photocopy Fee) . . . . . . . . . . $0.25
Fee per hour for the reconciling of customer bank statements (Reconciling Fee) . . . . . . . . . . $20.00

Fee for copy machine . . . . . . . . . . $ 0.10

Fee for Notary . . . . . . . . . . No charge to Bank customers

Fee for Fax Machine

Outgoing . . . . . . . . . . $1.00 per minute and $1.00 per page

Incoming . . . . . . . . . . $1.00 per page

Fee for Wire Transfer . . . . . . . . . . $15.00
Fee for Money Orders . . . . . . . . . . $2.00
Fee for Escrow Contracts

Annual fee for annual payments . . . . . . . . . . $ 15.00

Monthly fee for monthly payment . . . . . . . . . . $ 2.50

Safety deposit boxes: (approximate sizes)
	4 x 5 x 13	$10.00
	4 x 6 x 18	$12.00
	5 x 9 x 18	$22.00
	5 x 5 x 19	$15.00
	2 x 5 x 18	$8.00
	3 x 5 x 21	$11.00
	3 x 11 x 21	$18.00
Drilling lock boxes		$50.00 plus actual cost
Lost key		$10.00 plus actual cost
Fee for Check Cashing		Non Customer $3.00 per check
		Phone calls $4.00 per call

FEE SCHEDULE EXCEPTIONS:

The automatic transfer of funds from your savings account to your personal checking account to cover overdrafts is available on request at no charge.

Account maintenance and activity fees on new accounts are waived for the first statement cycle.

* Please press the "Back" button on your browser when you are finished reading this disclosure.