Personal Checking Accounts

REGULAR CHECKING

Customer type is limited to personal.

Limitations: You must deposit $100.00 to open this account.

Account Fees: If you maintain a balance of $500.00 or above during the monthly statement cycle, there will not be a service charge fee imposed. If your balance is at least $300.00 on every day of the monthly statement cycle, but falls below the $500.00 on any day of the statement cycle we will impose a service charge fee of $5.00 once during the statement cycle. If your balance falls below $300.00 on any day of the monthly statement cycle, we will impose a service charge fee of $7.00 once during the statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.

SECURITY PLUS CLUB ACCOUNT

At no cost $10,000.00 Accidental Death and Dismemberment Insurance available upon enrollment for account holder. Customer type is limited to personal. Unlimited check writing privileges with no minimum balance requirements. There are no service charge fees for the following: Money Orders, Cashier's Checks, Notary Service and personalized checks (in-house Bank checks wallet style).

Limitations: You must deposit $100.00 to open this account.

Account Fees: You will be charged a $10.00 per month service charge on this account. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.

THE ULTIMATE ACCOUNT

This account is designed for those who do electronic transactions for a minimal cost while still having the option of check writing. A Security Bank ATM/Debit Card will be issued with this account. All electronic transactions will be processed at no charge.

Limitations: You must deposit $100.00 to open this account.

Account Fees: Transactions made by check will be assessed at $0.25 per item, which will be deducted from your account balance. A monthly statement will be sent on this account which carries a $2.00 statement preparation fee if you receive your statement electronically. If you choose to receive a paper statement the monthly fee is $4.00. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.

SENIOR SECURITY ACCOUNT

This account is for customers 55 years of age and over. There are no service charge fees for the following: Money Orders, Cashier's Checks, Notary Service and personalized checks (in-house Bank checks wallet style).

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account.. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. You must be 55 years of age and over to be eligible for this account.

Account Fees: There will be a $5.00 service charge if your balance falls below $300.00 on any day of the monthly statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.

NOW ACCOUNT

Customer type is limited to personal.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $750.00 to open this account.

Account Fees: There will be a service charge of $7.50 if your balance falls below $750.00 any day of the monthly statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.

MONEY MARKET ACCOUNT

Customer types allowed include Personal, Unincorporated Assn., Estate, Fiduciary & Personal Trust.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account.

Account Fees: There will be a $10.00 service charge if the balance in your account falls below $1000.00 at any time during the statement cycle. Other fees may be charged on your monthly statement cycle, see the fee schedule for additional disclosures.