FREE CHECKING:

• Check Imaging
• No Minimum Balance Required
• No Monthly Maintenance Fee
• No Overdraft Protection or Sweeps Allowed
• $22.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

ECONOMY CHECKING:

• Check Imaging
• $2.50 Monthly Maintenance Fee plus 50¢ per debit over 10 will apply
• Overdraft Protection & Sweeps are allowed.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

REGULAR CHECKING:

• Check Imaging
• $3.00 Monthly Maintenance Fee plus .15¢ per debit
• A variable earnings credit can offset the maintenance fee and transaction fees incurred for account activity. The bank may change the variable earnings credit at it's discretion.
• Overdraft Protection & Sweeps are allowed.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

BUSINESS CHECKING:

• Check Imaging
• $4.00 Monthly Maintenance Fee plus .15¢ per debit
• A variable earnings credit can offset the maintenance fee and transaction fees incurred for account activity. The bank may change the variable earnings credit at it's discretion.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

NOW CHECKING:

• Check Imaging
• $10.00 Monthly Maintenance Fee plus .15¢ per debit if average daily balance falls below $1,000.00.
• Earn interest on average daily balances of $1,000.00 or greater.
• Interest rates may change at the discretion of the bank.
• Overdraft Protection & Sweeps are allowed.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

SUPER NOW CHECKING:

• $5,000.00 Minimum balance to open
• Check Imaging
• Minimum average daily balance of $5,000.00 required. If average daily balance falls below $5,000.00 your account will revert to a regular Now account and will be subject to the rules regarding a regular Now account.
• $10.00 Monthly Maintenance Fee plus .15¢ per debit if average daily balance falls below $1,000.00.
• Earn interest on average daily balances of $1,000.00 or greater. Interest tiers, as detailed below, allow you to maximize your earnings.

  Tier 1...under $10,000.00
  Tier 2...$10,000.00 to $24,999.99
  Tier 3...$25.000.00 to $49,999.99
  Tier 4...$50,000.00 to $99,999.99
  Tier 5...$100,000.00 and above

• Interest rates may change at the discretion of the bank.
• Overdraft Protection & Sweeps are allowed.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

PERSONAL MONEY MARKET CHECKING:

• Check Imaging
• $10.00 Monthly Maintenance Fee if average daily balance falls below $1,000.00
• $10.00 per debit fee over 6 per month regardless of balance
• Earn interest regardless of balance
• Interest rates may change at the discretion of the bank.
• Overdraft Protection & Sweeps are allowed.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

MONEY MARKET INVESTMENT:

• $5,000.00 Minimum balance to open
• Check Imaging
• Minimum average daily balance of $5,000.00 required. If average daily balance falls below $5,000.00 your account will revert to a regular Money Market and will be subject to the rules regarding a regular Money Market account.
• $10.00 Monthly Maintenance Fee if average daily balance falls below $1,000.00
• $10.00 per debit fee over 6 per month regardless of balance
• Earn interest on average daily balances of $1,000.00 or greater. Interest tiers, as detailed below, allow you to maximize your earnings.

Tier 1...under $10,000.00
Tier 2...$10,000.00 to $24,999.99
Tier 3...$25.000.00 to $49,999.99
Tier 4...$50,000.00 to $99,999.99
Tier 5...$100,000.00 and above

• Interest rates may change at the discretion of the bank.
• Overdraft Protection & Sweeps are allowed.
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn. *By Federal regulations, transfers from a MMDA or savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month, with no more than three by check or similar order to third parties.

SAVINGS ACCOUNTS:

• $100.00 Minimum balance to open
• Earn interest regardless of balance.
• Interest rates may change at the discretion of the bank.
• $5.00 quarterly maintenance fee if average daily balance falls below $100.00
• $2.00 per debit fee on all items over 3 per month.
• No quarterly maintenance fee for children under 18 years old. (Activity fee still applies)
• $20.00 per Insufficient Check or Check Returned NSF
• $4.00 a day Continuous Overdraft Charge will be assessed after the 5th day of being overdrawn.

Certificates of Deposits At Stockgrowers State Bank, we offer a variety of terms on FDIC-insured Certificates of Deposits. Our certificates of deposit feature competitive interest rates and are also available for your Individual Retirement Account (IRA) or Roth IRA. Interest rates may change at maturity at the discretion of the bank. Ask for details. A penalty may apply for early withdrawal of principal. Miscellaneous Services

CREDIT CARDS:

Stockgrowers State Bank offers Visa credit card services including merchant services that feature the latest credit card processing technology, competitive rate and personalized service.

DEBIT CARDS:

• $10.00 Annual Maintenance Fee
• $5.00 Easy Pin (choose your own PIN instead of having one appointed)
• Convenient access to your account through ATM usage, Point Of Sale.
• Check your account balance anytime.

SAFE DEPOSIT BOXES:

(Annual Fees)
3X5..................$20.00
4X5..................$22.00
5X5..................$25.00
3X10.................$30.00
5X10.................$40.00
6X10.................$45.00
10X10................$55.00
LOST KEY.............$10.00 plus cost
DRILLING...Actual Charge, minimum $100.00

Wires:

Outgoing...................$20.00 each
Incoming (non-customers)...$20.00 each
International..............$45.00

Faxes:

Incoming...$1.00 for 1st sheet, .50¢ each additional sheet
Outgoing...$2.00 for 1st sheet, .50¢each additional sheet

Cash Checks for Non-Customers:

$4.00 for phone call plus 1% or minimum of $4.00

Escrows:

$150.00 Setup Fee
$6.00 per check issued

Other:

Traveler Checks..........$ 1.00 per $100.00
Cashier Checks...........$ 5.00
Money Orders.............$ 3.00
Stop Payments............$20.00 each
Copies......................10¢ each
Return Deposited Items...$ 5.00 each
Cash Advance.............$10.00