Products & Services - Disclosure of Bank Charges Fees and Interest Calculations

First Rewards Accounts

• Minimum Initial Deposit - $100
• No minimum balance
• Unlimited check writing
• First Rewards checks provided free (1 order per year)
• Many additional benefits - ask for details

First Rewards Checking

• Membership fee - $5 per month

First Rewards Checking and First Rewards Interest Accounts are available. Now and Super Now Maintenance fees apply in addition to membership fees.

Regular Checking

• Minimum initial deposit - $100
• Maintenance fee per statement cycle based on minimum monthly balance:
• $500 balance and over - no fee
• $100-$499.99 balance - $3 per month + $.12 per debit
• $0 - $99.99 balance - $4 per month + $.12 per debit

Basic Checking

• For persons age 65 and over
• Minimum initial deposit - $100
• Maintenance fee per statement cycle based on number of debits:
• First 10 debits - no fee; - $.20 per debit thereafter.

Super NOW

• Maintenance fee is based on average daily collected balance during statement cycle:
• $2,500 or more - no fee
• Below $2,500 - $10
• If Main Street account, membership fee applies in addition to above fees.

NOW

• Maintenance fee is based on average daily collected balance during statement cycle:
• $1,000 or more - no fee
• Below $1,000 - $10
• First 25 debits - no fee; additional debits $.12 each
• If Main Street account, membership fee applies in additional to above fees.

NOW Basic

• Maintenance fee is based on average daily collected balance during statement cycle.
• $400 balance and over - no fee
• $0 - $399.99 balance - $7.00 per month + $.20 per debit

Facts About Super NOW, NOW, and Main Street Interest Accounts

Interest is compounded the last day of monthly statement cycle. Interest rate and Annual Percentage Yield are subject to change weekly. Interest is based on the average daily collected balance during the statement cycle. The average collected balance is obtained by adding the collected principal in the account for each date of the statement cycle and dividing that figure by the number of days in the period. If average daily collected balance falls below minimum, interest rate and Annual Percentage Yield are reduced to zero. We reserve the right to require 7 days notice prior to withdrawal.

Money Market Accounts

• Minimum initial deposit - $2,500
• Maintenance fee is based on average daily collected balance during statement cycle:
• 2,500 or more - no fee
• Below $2,500 - $10

Interest - Money Market Accounts

Interest is calculated on the daily collected balance method. This method applies a daily periodic rate to the collected principal in the account each day. You must maintain a minimum balance of $2,500 in the account each day to receive the disclosed Annual Percentage Yield.

Interest is compounded the last day of the monthly statement cycle.

Interest and Annual Percentage Yield for your account will depend upon the applicable rate tier. Interest rate and Annual Percentage Yield are subject to change weekly.

Withdrawals - Money Market Accounts

The combined total of withdrawals you make during a statement cycle by telephone transfers, preauthorized transfers or checks to third parties is limited to six, and no more than three of these six may be by check. The account will be charged $2 for each withdrawal in excess of six during a statement cycle. You may make unlimited withdrawals in person or by mail.

Savings

• Minimum initial deposit - $100 (waived for minors and non-profit organizations)
• Maintenance fee per calendar quarter based on average daily balance:
• $50 or more - no fee
• Below $50 - $3
• Preauthorized, automatic and telephone transfers are limited to six per month
• Interest is compounded quarterly based on daily collected balance
• Interest rate and Annual Percentage Yield may change weekly
• Withdrawals or transfers in excess of 10 per calendar quarter - $1 each
• Customers must also have a checking account in order to have Electronic Funds *Transfer activity on savings.
• We reserve the right to require 7 days notice prior to withdrawal
• EZ Access transfers - no fee

Minor Savings (Up to age 18)

• Minimum Initial Deposit - $5
• Minimum balance required to maintain active account - $5
• No quarterly fee until age 18. Account will revert to traditional savings at age 18.
• Preauthorized, automatic, and telephone transfers are limited to six per month.
• Interest is compounded quarterly based on daily collected balance.
• Interest rate and annual percentage yield may change weekly.
• Withdrawals or transfers in excess of 10 per calendar quarter, including electronic withdrawals - $1 each.
• We reserve the right to require 7 days notice prior to withdrawal.

Service Charges

• Overdraft fee - $22 per item
• Continuous overdraft after 3 business days - $10 per day
• Insufficient funds - $22 per item
• Stop-payment request - $15
• Stop-payment on CheckFree Corporate billpay check - $25
• Account research - $24/hour with a minimum of $12, + $.50 per photocopy or outsourced at cost
• Printed checks - prices may vary
• Statement balancing assistance - $20/hour with a 1 hour minimum
• Account closed within 60 days of opening - $10
• Account history - $1
• Telephone transfers/payments - $1
• Wire transfers - Incoming - $10 for customer; $20 for non-customer; Outgoing - $25
• Foreign Wire transfers - Incoming - $45; Outgoing - $65
• Incompatible check: $.25 each
• Statement returned due to incorrect address: $2.00
• Duplicate statement: $2.00
• ATM Withdrawals at non-First State Machine: $.50
• Replacement card: $5
• Replacement PIN: $5
• A $15 recapture fee may apply
• Internet Banking: no fee
• EZ Access Telephone Banking: no fee
• Online Banking: no fee
• Online Banking Pay Bill: no fee
• Garnishments, Levies and Subpoenas etc.: $50

Automatic Teller

ATM cards are available to checking, Main Street accounts, savings, Now, and Money Market customers. You may access your account through any ATM machine that displays the SHAZAM or CIRRUS network emblem. Your debit card may be used at any merchant authorized to accept VISA transactions. First State Automatic Teller Machines are located in LaHarpe, Carthage, Macomb, Hamilton, Monmouth and Blandinsville. Withdrawals made at ATM's other than First State will be charged $.50 per withdrawal. Replacement ATM card fee is $5, debit card replacement fee is $5, and a $15 recapture fee may apply. The initial card is free.

Miscellaneous Information

• Business transacted after 3:00 p.m. at LaHarpe, Monmouth and Blandinsville, after 3:30 p.m. at Carthage and Hamilton, after 4:00 p.m. at Macomb will be considered next business day.
• Current rate information is available on request. You may call LaHarpe 217-659-7776, Carthage 217-357-3112, Macomb 309-837-3935, Hamilton (217) 847-6675, Blandinsville (309) 652-3122 or Monmouth (309) 734-9447
• The method we will use to determine future rates will be based on the melded cost of funds at First State Bank of Western Illinois.
• Interest begins to accrue no later than the business day we receive credit for the deposit of any non-cash items (for example: checks).

Statement Cycles

• Savings/Checking Combination - Monthly
• Savings without Checking - Quarterly
• Money Market/Now/Super Now - Monthly
• Main Street Accounts - Monthly
• Assumed Day/Annum - 365/365

Amendments and Termination

We may amend these rules including our schedule of time and charges and the interest rate payable from time to time hereafter, upon giving reasonable notice to you. Reasonable notice may consist of posting notice of such changed in our building for a reasonable period of time, enclosing notice in the statement of your account, or separate notice by mail. We may also close your account at any time upon reasonable notice to you and tender the account balance personally or by mail.

Your Ability to Withdraw Funds

Federal Regulations require us to establish guidelines concerning your ability to withdraw funds from your deposits. We are also required to inform you of these guidelines. It is our policy to make funds you deposit available to you the first business day after the day of your deposit. Funds you deposit by check may be delayed under the following circumstances:

Exceptions:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more then $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency such as a failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the sixth business day after the day of your deposit.

ATM Deposits

Amounts equal to 50% of a deposit, not to exceed your daily withdrawal limit, from a deposit made through an automatic teller machine will be available to you on the same day as your deposit. The excess will be available to you on the first business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, travelers', and federal, state, and local government checks will be available on the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available no later than the ninth business day after the day of your deposit.

Business Day

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before 3:00 p.m. at LaHarpe, Monmouth, and Blandinsville or before 3:30 p.m. at Carthage and Hamilton, or 4:00 p.m. at the Macomb office on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. at LaHarpe, Monmouth, and Blandinsville, after 3:30 p.m. at Carthage and Hamilton, or after 4:00 p.m. at the Macomb office or on a day we are not open, we will consider that the deposit was made on the next business day we are open.