FREE PERSONAL CHECKING & MAVERICK FREE CHECKING: This account is FREE to individuals for personal checking. A minimum deposit of $50 is required to open an account.

BUSINESS CHECKING: A monthly Minimum Balance Fee of $2.00 and a per check charge of $.10 if below the required Minimum Balance of $100 and Average Balance of $750. A minimum deposit of $50 is required to open an account.

SUPER NOW: Interest is paid based upon the balance in the account. The monthly Minimum Balance Fee is $7.50 if below the required Minimum Balance of $1,000 and Average Daily Balance of $1,750. A minimum deposit of $1,000 is required to open a SUPER NOW.

SPECIAL: No required Minimum Balance. This account has a $.20 per check charge

NON-PERSONAL CHECKING ACCOUNT

Balance Information

A minimum deposit of $50 is required to open this account. A minimum balance fee of $2.00 plus $.10 per check will be imposed every month if both the daily balance in the account falls below $100 any day of the statement cycle period and the average daily balance for the statement cycle period falls below $750.

The average daily balance is calculated by adding the principal in the account for each day of that statement cycle period and dividing the figure by the number of days in the statement cycle period.

Fee Information

The following fees may be assessed against your account:

Check Card	$18.00 annual fee
Overdraft (each debit or check paid)	$ 8.50
Continuous Overdraft (every five days)	$10.00
Insufficient Funds (each debit or check)	$ 7.50
Stop Payment Requests (each debit or check)	$ 5.00
Bookkeeping Search, Account Reconciliation	$25.00/hour $10.00 minimum
Photocopies	$ .10/copy
Dormant Account (no activity for one year or statements returned for incorrect address)	$ 2.00/month
Checks--cost depends on style and quantity ordered

SPECIAL CHECKING ACCOUNT

Balance Information

A minimum deposit of $10.00 is required to open this account.

Fee Information

The following fees may be assessed against your account:

Check Card	$18.00 annual fee
Per Check Charge	$ .20
Overdraft (each debit or check paid)	$ 8.50
Continuous Overdraft (every five days)	$10.00
Return Check Charge per check	$ 7.50
Stop Payment Requests (each debit or check)	$ 5.00
Bookkeeping Search, Account Reconciliation	$25.00/hour $10.00 minimum
Photocopies	$ .10/copy
Dormant Account (no activity for one year or statements returned for incorrect address)	$ 2.00/month
Checks--cost depends on style and quantity ordered

PERSONAL & MAVERICK FREE CHECKING ACCOUNT

Balance Information

A minimum deposit of $50 is required to open this account.

Fee Information

The following fees may be assessed against your account:

Check Card	$18.00 annual fee
Overdraft (each debit or check paid)	$ 8.50
Continuous Overdraft (every five days)	$10.00
Return Check Charge per check	$ 7.50
Stop Payment Requests (each debit or check)	$ 5.00
Bookkeeping Search, Account Reconciliation	$25.00/hour $10.00 minimum
Photocopies	$ .10/copy
Dormant Account (no activity for one year or statements returned for incorrect address)	$ 2.00/month
Checks--cost depends on style and quantity ordered

SUPER NOW CHECKING ACCOUNT

Rate Information

If your daily balance is $2,500 or more, the interest rate paid on the entire balance will be higher than if your daily balance is less than $2,500. At our discretion, we may change the interest rate on your account at any time which in turn may change your annual percentage yield. Interest will be compounded and credited to your account on a 365 day basis every month. If you close your account before interest is credited, you may not receive the accrued interest. 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. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Balance Information

A minimum deposit of $1,000 is required to open this account. A minimum balance fee of $7.50 will be imposed every month if both the daily balance in the account falls below $1,000 any day of the statement cycle period and the average daily balance for the statement cycle period falls below $1,750. The average daily balance is calculated by adding the principal in the account for each day of that statement cycle period and dividing the figure by the number of days in the statement cycle period.

Fee Information

The following fees may be assessed against your account:

Check Card	$18.00 annual fee
Overdraft (each debit or check paid)	$ 8.50
Continuous Overdraft (every five days)	$10.00
Return Check Charge per check	$ 7.50
Stop Payment Requests (each debit or check)	$ 5.00
Bookkeeping Search, Account Reconciliation	$25.00/hour $10.00 minimum
Photocopies	$ .10/copy
Dormant Account (no activity for one year or statements returned for incorrect address)	$ 2.00/month
Checks--cost depends on style and quantity ordered

BUSINESS CHECKING ACCOUNT

Balance Information

A minimum deposit of $50 is required to open this account. A minimum balance fee of $2.00 plus $.10 per check will be imposed every month if both the daily balance in the account falls below $100 any day of the statement cycle period and the average daily balance for the statement cycle period falls below $750.

The average daily balance is calculated by adding the principal in the account for each day of that statement cycle period and dividing the figure by the number of days in the statement cycle period.

Fee Information

The following fees may be assessed against your account:

Check Card	$18.00 annual fee
Overdraft (each debit or check paid)	$ 8.50
Continuous Overdraft (every five days)	$10.00
Return Check Charge per check	$ 7.50
Stop Payment Requests (each debit or check)	$ 5.00
Bookkeeping Search, Account Reconciliation	$25.00/hour $10.00 minimum
Photocopies	$ .10/copy
Dormant Account (no activity for one year or statements returned for incorrect address)	$ 2.00/month
Checks--cost depends on style and quantity ordered

IMPORTANT CHECK 21 DISCLOSURE NOTICE

Substitute Checks

To make check processing faster, federal law permits banks to replace original checks with "substitue checks". These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

Your rights concerning substitute checks

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under the law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

Claiming a refund

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contatct us at:

`````````````````````````Farmers State Bank of Trimont````````````` ```````````PO Box 388 ~ Trimont, MN 56176

````````(507) 639-9921

You may contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include-

• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
• A copy of the substitute check [and/or] the following information to help us identify the substitute check: (identifying information, for example the check number, the name of the person to whom you wrote the check, the amount of the check).