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CURRENT AS OF: July 6, 2005 DISCLOSURE OF FEES AND ACCOUNT TERMS FOR SUPER NOW CHECKING ACCOUNTSAT 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 month. Interest will be credited to your account 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.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items(for example, checks).
Fees:
A per item fee of $.25 will be charged for each debit transaction (withdrawal,
automatic transfer or payment out of this account) in excess of 10 during a statement
cycle.