Security State Bank & Trust

Item	Fee
Analysis Fee	$10.00
Deposits/Credits	$.30
Deposit Items	$.05
Checks/Debit Paid	$.12

Item	Fee
Special Signature Requirement	$.07
Rolled Coins (per roll)	$.05
Strapped Currency (per strap)	$.10
Charge Back Items	$2.00
Currency Straps (per 1000)	$3.00
Coin Wraps (per 1000)	$3.00
Accrued Interest Paid	Varies
Negative Collected Balance	SSB&T Base Rate

This Schedule of Fees applies to the Business Checking, and Business Interest Bearing Accounts that you maintain with Security State Bank & Trust. There are some fees that may not pertain to your account at the present time, therefore your account will not be subject to these charges. In determining the business account charges, the cost of the services used is offset with the value of your balances. This is calculated on a monthly basis.

The value of your balance is determined by applying an earnings credit rate to the average investable balance in the account. This is called the “earnings credit”. The earnings credit is based on current market rates and is subject to change monthly. The investable balance is calculated by deducting the reserve assessment from your average collected balance. The cost of your services is determined monthly based on this fee schedule.

At the end of the month, the Bank compares your earnings credit to the total cost of services. If the earnings credit is in excess of your costs, there is no service charge. If the earnings credit is less than the cost of services, the difference will be your service charge.

Any additional cost of services is provided under a separate Fee & Information Schedule.

Minimum deposit to open	$100.00
Unlimited check writing
Earnings credit applied to total cost of services
Standard and Additional Account Analysis and Other Fees Apply

Minimum deposit to open	$100.00
Interest bearing account
Earnings credit applied to total cost of services
Standard and Additional Account Analysis and Other Fees apply

Minimum deposit to open	$2,500.00
Minimum daily balance to avoid service charge	$2,500.00
Service Charge Fee	$10.00
Withdrawal fee in excess of 6 per statement cycle (check, draft or similar order to 3rd parties)	each $10.00
Additional Account Analysis and Other Fees Apply

Basic Internet Banking is FREE
Bill Pay is FREE

Customized Commercial Cash Management Services Available – Contact our Internet Banking Services Home Office at (800) 880-0649 or (830) 997-7575

Minimum deposit to open	$100.00
Monthly service charge	None
200 free transactions per statement cycle (deposits, debits to accounts, checks deposited)
Excess transactions per cycle	$0.25
No Standard Account Analysis
Additional Account Analysis and Other Fees Apply

Minimum deposit to open	$50.00
Minimum daily balance to avoid service charge	None
Withdrawal fee in excess of two during a monthly statement cycle	each $2.00
Additional Account Analysis and Other Fees Apply

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Member FDIC