SUPPLEMENTAL SERVICE CHARGES

THE POTTER STA TE BANK OF POTTER

SUPPLEMENTAL SERVICE CHARGES

ON DEPOSIT ACCOUNTS

(Effective 01-01-2011)

Return Check Charge

$25.00

Overdraft Charge

$25.00

An overdraft fee applies to overdraft by check, in person withdrawal,

ATM withdrawal or other electronic means as applicable.

Continuous Overdraft Charge

$25.00

After 7 business days a notice will be sent

advising you of the continuing overdraft.

Your account will be charged every seven

business days until payment has been made.

Stop Payment Orders

$20.00 each

Verbal stop payment orders are honored for

14 days. Stop payment orders signed at the

bank are good for 6 months.

Return Check Handling Fee

A $5.00 handling fee will be made when a check which you had deposited or cashed, is returned.

Account Research (Research fee)

$10.00 per hour ($10.00 minimum)

Copies of Account Research

Related Items (Copy Fee) $1.00 per copy

Garnishments/Tax Levies

$25.00 Each

Undeliverable Address Fee

Accounts without activity for one year or more that

have an undeliverable address, will be assessed a

$7.50 annual maintenance fee.

 
NOTICE: NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). (It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC INSURANCE COVERAGE NOTICE In connection with FDIC Insurance Coverage, the following institutions are considered one institution: The Potter State Bank of Potter Potter, Nebraska Kimball State Bank, A Branch of The Potter State Bank of Potter Kimball, Nebraska Any deposits that you may have at the locations above are grouped together under like ownership for FDIC Deposit Insurance coverage. This means that all your deposits are grouped together under one FDIC Deposit Insurance coverage limit.