PRODUCTS AND SERVICES GUIDE. Information about the transfer of your personal account from First Bank to State Bank

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1 PRODUCTS AND SERVICES GUIDE Information about the transfer of your personal account from First Bank to State Bank

2 Welcome to State Bank! We are very pleased to have the chance to introduce you to State Bank and to welcome you as clients. You will find the same familiar people who served you well at First Bank are here to serve you at State Bank. In this guide, you will find information that will be helpful in the weeks ahead, including important details about the conversion weekend of July 24-26, That is when your accounts will change to State Bank. This guide has details about your account information, checks, debit card, online banking, online bill pay, payments, transfers, and more. Please take some time to review these details and keep this guide nearby as reference. Thank you for your support. It is our absolute privilege to be your bank. 2 3

3 Keys to the Transfer of your Personal Account Account Information For most customers, checking, savings and money market account numbers will not change. If there is a need to make a change, State Bank will notify you by mail in a separate letter. The routing number for State Bank is Got Questions? We are here to help if you have questions. Answers to many questions are in this book, but if you need more information, we re here to help. Checks and Debit Cards Please continue using your existing checks until it is time to reorder. You will receive a new State Bank debit card by mail to replace your First Bank debit card. Phone: Main Office Hill Street Daniel Village Online Banking and Bill Pay State Bank online banking will be available beginning at 9:00 a.m. on Monday, July 27, Before the conversion, State Bank will send you notification about West Town Medical Center Fury s Ferry Evans your User ID and other detailed information about Online Banking and Online Bill Pay. Ensuring Uninterrupted Direct Deposits, Payments and Transfers Online: Find information about the conversion at our Resource Library for First Bank clients at Clients with automatic payments need to change any automatic withdrawals or payment services to be made from your new State Bank account(s), so that payees recognize the payment as coming from State Bank s routing number, which is

4 Your New Personal Accounts Personal Account Summary Guide Effective July 27, 2015 First Bank Account Converts to New State Bank Account ATM Anywhere Free Checking ATM Advantage Checking High Interest Checking Premium Select Checking Club Fifty Checking 50+ Free Interest Checking First Money Market Personal Money Market Regular Savings Savings Prime Savings Prime Savings Children s Savings Savings Checking From simple to simply amazing, our checking accounts have the features you expect along with a few pleasant surprises. Pick the account that works best for you, and you ll absolutely see the difference we can make. All checking accounts below also include: Online Banking with Bill Pay ATM Advantage Checking Mobile Banking Basic Checking estatements Personal Checking Debit MasterCard Premium Select Checking Fraud Protection by Trusteer 50+ Free Interest Checking Key Features For basic checking needs frequent users of ATMS For basic checking needs uses electronic banking tools but writes many checks For basic checking needs uses electronic banking tools but writes many checks Earns more interest if you carry a higher balance Earns competitive interest with no balance requirements Account Options Please see the personal account summary guide on Minimum Opening Deposit Monthly Service Charge $100 $100 $100 $100 $100 $0 $5 $12 $20 $0 page 7 for information about other checking and savings accounts available. If you see a different type of State Bank account that is better suited to your needs, please To Avoid Monthly Service Charge N/A Maintain an average collected balance of $500/statement cycle Maintain an average collected balance of $2,500/statement cycle or average collected balance of $15,000 in combined accounts (Checking/Savings/Money Market) Maintain an average collected balance of $5,000/statement cycle or average collected balance of $20,000 in combined accounts (Checking/Savings/Money Market) N/A call or visit your local banking center and we will help Unlimited Check Writing p p p p you make the change after July 27, Earns Interest Tiered rates p Free Basic Wallet Checks p Bounce Protection $500 $500 $500 $1,000 $500 Savings Personal Money Market Certificates of Deposit/IRAS Key Features Basic savings with competitive interest Tiered rates of interest and easy access Insured with a guaranteed interest rate and variety of terms Minimum Opening Deposit Minimum to Earn Interest $100 $2,500 $1,000 $100 None $1,000 Service Charge $2 quarterly $5 monthly None To Avoid Monthly Service Charges Maintain minimum daily balance of $100 Maintain minimum daily balance of $1,000 N/A Withdrawals 3 per quarter ($2 per additional) 6 per statement ($5 per additional) N/A 6 7

5 Interest on Checking, Savings & Money Market Accounts Conversion Dates The conversion of First Bank accounts to State Bank accounts will begin at the close of business on Friday, July 24, 2015 and continue through the weekend. Payment of Interest Interest-bearing checking or money market accounts will compound and pay interest monthly. Interest on savings accounts will be compounded and paid quarterly. Account Number and Checks Unless otherwise notified by us, your checking and savings account numbers will not change. Variable Interest Rate Variable interest rates on checking, savings and money market accounts are subject to change at any time and are set by State Bank. If you are seeking a fixed rate You can continue to use your existing supply of First Bank checks and deposit slips. When it is time to of return, State Bank offers Certificates of Deposit to meet your investment needs. reorder, you will need to order State Bank checks and deposit slips. If you order checks from a source outside the bank, use your account number and the State Bank routing number: How to Check Our Current Rates For deposit accounts, the Annual Percentage Yield (APY) will appear on your monthly or quarterly statement. In addition, you may call a State Bank office or In the event we have to change your account number, visit for current rates. you will receive additional information from us and an initial supply of 25 standard style checks from State Bank before the conversion. When you place your first order of new checks at any State Bank branch, we will provide a credit of $20 toward the purchase of your checks.you may bring unused First Bank checks to any branch office after July 27, and we will destroy them for you. 8 9

6 Certificates of Deposit There will be no change to the interest rate or maturity date on your Certificate of Deposit (CDs). They will remain the same until maturity. Interest Accrued interest not yet credited to a CD may be withdrawn without a penalty. However, interest credited during a previous term is considered principal and Account numbers In order to prevent duplication, all CD account numbers cannot be withdrawn without penalty. All CDs will renew at the current market rate offered by State Bank. will now be 13 digits and begin with a prefix of 987. For example, if your original CD account number was , your new State Bank CD account number will be Compounding Interest Interest will continue to compound in the same manner as First Bank CDs until maturity. At maturity your CD will convert to the same features of current State Bank Renewal products. All CDs will be renewed automatically unless another option was chosen. At renewal, State Bank s stated terms, conditions, and market rates will apply. If you wish to add to or change the term of your CD, there is a ten day grace period for automatically renewing Penalties Current penalties established by First Bank will remain in effect until your CD matures, at which time the standard State Bank penalties will apply. certificates without penalty. For current rate information, contact one of our banking offices or see Interest Rates at

7 Ensuring Your Direct Deposits, Automatic Payments & Transfers are Uninterrupted Direct Deposits We will notify all organizations that direct deposits into your accounts of the routing number change. While many organizations will accept our notification, some may not and may cancel your direct deposit. Therefore, if you currently have scheduled direct deposits, we strongly recommend you contact those sources starting July 27, 2015, to verify that all changes have been made. If you encounter any problem with your automatic deposits, please contact your local banking center on or after July 27. State Bank Debit MasterCard Your First Bank Debit Card will be replaced by a State Bank Debit MasterCard. You will receive a new debit card and activation instructions before the conversion date of July 27, Please continue using your First Bank debit card and PIN until 9:00 a.m. on Monday, July 27, On Monday, July 27, begin using your new State Bank debit card and destroy your First Bank debit card. The PIN you use on your First Bank debit card will remain the same for your State Bank debit card. You may also use your new State Bank Debit MasterCard Automatic Payments If you have automatic payments from your checking or savings account(s), you will also need to change all automatic withdrawals or payment services to be made from your new State Bank account(s), so they recognize the payment coming from State Bank s routing number. You can notify your electronic payees by providing your new routing number: Switch It We have included a tear out form in this guide on page 26 / Appendix C. Please use it to notify the appropriate parties of the new routing number. at any Allpoint, Intercept, Pulse or Cirrus network locations nationwide anywhere MasterCard is accepted. As an added protection, State Bank provides a fraud monitoring service for your card provided by FALCON. Recurring Debit Card Payments Your Action may be Required If you currently have automatic, recurring payments to merchants or other companies using your First Bank Debit Card, you should contact those companies to provide your new card number from State Bank. You may schedule payments using your new card after July 27,

8 Converting to State Bank Online Banking Before July 22, 2015 Prepare Your First Bank Online Banking for Conversion For existing Online Banking users: Beginning at 5:00 p.m. Thursday, July 23, Online Banking will be available in view-only mode as we prepare for conversion. Before the conversion weekend of July 24-26, State Bank will send you detailed information about your Online Banking and Online Bill Pay. Unless you hear from us otherwise, the User ID will remain the same. Your password will be the last 4 digits of the Social Security Number of the primary account holder. After you log in, we will prompt you to change your password and set up security questions. For Quicken and QuickBooks users: You will need to download all transactions for Quicken and QuickBooks before 5:00 p.m. on Thursday, July 23. Visit the Resource Library at the bottom of the home page at for detailed instructions for converting your Quicken account register. For existing Online Bill Pay users: Your recurring and future online bill payments will be saved and carried forward in State Bank Online Banking. The deadline to schedule a new online bill payment is 5:00 p.m. on Wednesday, July 22. After 5:00 p.m. Wednesday, July 22, First Bank Online Bill Pay will no longer be available. Any payments scheduled for July 24 will be processed on Monday, July months of your bill payment history will be carried forward in State Bank Bill Pay. Scheduled ebills All ebills will be disabled on July 17, Please make alternative arrangements to continue to receive electronic bills with the service provider. Any existing bills posted in the inbox prior to July 17, 2015, will be viewable and you will be able to act on that bill. On July 27, 2015 Log in to State Bank Online Banking Beginning at 9:00 a.m. on Monday, July 27, you will access Online Banking through the State Bank web site at Enhanced Security with Trusteer Rapport Trusteer Rapport is security software provided free of charge to protect your online banking communication from being stolen by criminals. Rapport is highly recommended by State Bank as an additional layer of security to any anti-virus or security software you already use. By protecting your internet connection and creating a tunnel for safe communication with your online banking website, Rapport blocks malicious attempts to steal money from accounts. You will get a prompt to download Trusteer Rapport after you log in to Online Banking

9 State Bank Telephone Banking Additional Information about Banking with State Bank Beginning July 27, you will have access to State Bank s 24-Hour Telephone Banking. This service gives you access to your account information by calling Bank Statements You will receive a final First Bank statement with account activity through July 24, 2015, with no monthly service charge and any accrued, unpaid interest credited. In August you will also receive either a partial On your first call to 24-Hour Telephone Banking, you will need your account number to access the system. Your PIN will be the Social Security Number of the primary account holder, and you will be prompted immediately to change your PIN. or full month State Bank statement based on our cycle dates. Any monthly maintenance fees for your last month s First Bank statement and your first month s State Bank statement will be waived. Please review the table below for your statement cycle dates: Mobile Banking Your Statement Schedule Beginning Monday, July 27 at 9:00 a.m., you can start using State Bank Mobile Banking from your iphone, ipad Log in to the App with your Online Banking ID and password If First Bank was: 1st of month 3rd of month State Bank will be: 1st of month 3rd of month or Android device. Just follow these simple steps: Log in to Online Banking from your personal computer. You must first log in to change your temporary password and accept the online banking agreement. Download the State Bank and Trust Company App from Apple Store or Google Play. Follow the prompts during enrollment Scan here to download the State Bank Mobile App 5th of month 9th through 13th 15th of month 17th through 28th Last day of month Last day of the quarter 4th of month 13th of month 15th of month 25th of month Last day of month Last day of the quarter Search for State Bank and Trust Company and look for this image: 16 17

10 Electronic Statements If you currently receive your statement electronically, a final statement from First Bank will be sent electronically Schedule of Charges A complete list of miscellaneous and online service charges is located in Appendix A on page 22 of this guide. and through the mail. estatement history will not be available after 5:00 p.m. on July 23, Download your estatement history with First Bank prior to July 23, 2015, at 5:00 p.m. Starting July 27, State Bank estatements can be accessed when you log in to Online Banking. When you first log in to Online Banking, you will be asked to accept the estatement agreement. Going forward, you will receive an to notify you that your latest estatement is available. Account Agreement and Disclosures State Bank s Deposit Account Agreement and Disclosures booklet is enclosed, which contains our terms and conditions. What to Know About Loans and Lines of Credit The terms and conditions of all loans, including note rate, term, payment and payment due date, will remain the same. Beginning July 27, 2015, you will have the Overdraft Services If you currently have Overdraft Privilege, State Bank offers an overdraft service called Bounce Protection on option of making payments at any State Bank branch or by mail. Your monthly loan notices from State Bank will have a new size, format and summary information. personal checking accounts. See the complete details about Bounce Protection in Appendix B on page 23 of this guide. If you choose to mail your payment, please make your checks payable to State Bank and mail to: If you have overdraft protection from a savings account or line of credit at First Bank, that service will be available on your new State Bank account. State Bank and Trust Company P.O. Box 4748 Macon, GA

11 Banking Locations On Monday, July 27, 2015, you will be able to bank at any of our State Bank banking centers in Georgia and online at or at State Bank 24-Hour Telephone Banking. Our goal is to provide you with the same friendly and professional service you already enjoy. Augusta Main Office 3527 Wheeler Road, Augusta, GA Friday 9:00 a.m. 6:00 p.m. Hill Street Office 110 East Hill Street, Thomson, GA Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6:00 p.m. Saturday 9:00 a.m.-12:00 p.m. Daniel Village Office 2805 Wrightsboro Road, Augusta, GA West Town Office 3820 Washington Road, Martinez, GA Saturday 9:00 a.m.-12:00 p.m. Monday Thursday 7:30 a.m. 5:30 p.m. Friday 7:30 a.m. 6:00 p.m. Saturday 9:00 a.m. -12:00 p.m. Medical Center Office 1580 Walton Way, Augusta, GA Fury s Ferry Office 375 Fury s Ferry Road, Martinez, GA Evans Office 4349 Washington Road, Evans, GA Monday Friday 7:30 a.m. 6:30 p.m. Metro Atlanta Buckhead 415 E. Paces Ferry Road, Atlanta, GA Buckhead Tower 3399 Peachtree Road, Suite 1150, Atlanta, GA Monday Friday 1:00 p.m. 4:00 p.m. Midtown 1349 W Peachtree St NW, Suite 100, Atlanta, GA Alpharetta 2380 Old Milton Parkway, Alpharetta, GA Duluth 1970 Satellite Blvd., Duluth, GA Marietta 250 Church Street NE, Marietta, GA Norcross 6170 Peachtree Parkway, Norcross, GA Middle Georgia Macon Bass Road 1535 Bass Road, Macon, GA Forsyth Road 4219 Forsyth Road, Macon, GA Hartley Bridge 4315 Hartley Bridge Road, Macon, GA Log Cabin 4699 Log Cabin Drive, Macon, GA Saturday 8:30 a.m. 12:00 p.m. Northeast 614 Shurling Drive, Macon, GA Saturday 8:30 a.m. 12:00 p.m. Walnut 700 Walnut Street, Macon, GA Zebulon Road 5980 Zebulon Road, Macon, GA Gray 282 W. Clinton Street, Gray, GA Saturday 8:30 a.m. 12 p.m. Saturday 8:30 a.m. 12 p.m. Perry 1208 Washington Street, Perry, GA Unadilla 2206 Pine Street, Unadilla, GA Monday-Friday 9:00 a.m. 5:00 p.m. Warner Robins Houston Lake 119 S. Houston Lake Road Warner Robins, GA Highway 96/Warren Drive 849 Warren Drive, Warner Robins, GA Mortgage Locations Aiken, SC 2150 Woodside Executive Court, Aiken, SC Augusta, GA 2743 Perimeter Parkway, Building 100, Suite 100, Augusta, GA Savannah, GA 7395 Hodgson Memorial Drive, Suite 201, Savannah, GA Pooler, GA 138 Canal Street Suite 204, Pooler, GA

12 Appendix A Schedule of Charges Effective October 1, 2014 MISCELLANEOUS CHARGES Description Charge Wire Transfer (Incoming Domestic)... $15.00 Wire Transfer (Outgoing Domestic)... $20.00 Wire Transfer (International)... $40.00 Paid Item (OD)... $35.00 Returned Item (NSF)... $35.00 Chargeback (Personal Accounts)... $5.00 Chargeback (Business Accounts)... $7.50 Stop Payment... $35.00 Cashier s Check... $5.00 Collection/Foreign Item... $23.00 Dormant Account (per month - $60 max)... $5.00 Sweep Transaction... $5.00 Statement Copy 1... $4.00 Research (per copy)... $4.00 Research (per hour)... $25.00 Legal Processing (Garnishments, Levies)... $ Replacement ATM/Debit Card... $5.00 Foreign ATM Transaction... $1.50 International ATM/Debit Card Transaction...2% of amount Early Account Closing (60 days)... $ For statement copy requests in addition to the regular monthly statements. ONLINE SERVICE CHARGES Description Charge Standard Proof of Payment (per copy)... $10.00 Person to Person Payments Reinstate... $50.00 ACH Return (per item)... $10.00 Return Payment (per occurrence)... $5.00 Physical Token... $12.00 Digital Token...Free Appendix B Bounce Protection Program At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. At State Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That s why we provide Bounce Protection, a special overdraft service for State Bank s customers. What is Bounce Protection? Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. What does my Bounce Protection cost? There is no additional cost associated with this privilege unless you use it. You will be charged our paid item charge of $35 for each overdrawn item created by a traditional paper- based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, automatically on business accounts, and if you requested us to do so on personal accounts, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in $105 in paid item charges. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement. How does Bounce Protection work? As long as you maintain your account in good standing, we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy. For Bounce Protection consideration, your account is in good standing if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) there are no legal orders, levies or liens against your account. Please note that the amount of the overdraft plus our paid item charge of $35 for each item will be deducted from your overdraft limit. If the item is returned, the returned item charge of $35 will be deducted from your account. No interest will be charged on the overdraft balance. Please refer to the customer overdraft policy for additional details. How do I know when I use the overdraft limit? You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your checkbook. What is my Bounce Protection limit? If I have two checking accounts, can I get Bounce Protection on both? Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts. ATM Advantage Checking $500 Basic Checking $500 Personal Checking $ Free Interest Checking $500 Personal echecking $500 Premium Select Checking $1,000 Business echecking $1,000 Micro Business Checking $1,000 Business Checking $1,000 What if I go beyond my Bounce Protection limit? Overdrafts above and beyond your established Bounce Protection limit may result in checks or other items being returned to the payee. The returned item charge of $35 will be charged per item and assessed to your account. An OD/NSF notice will be sent to notify you of items paid and/or returned

13 How quickly must I repay my Bounce Protection? You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and you must do so within 30 calendar days. If you are not able to do so, you will receive a letter from State Bank informing you that your Bounce Protection limit has been suspended and additional items will be returned. Unless we advise you differently or you request this service be removed from your account, your limit will be made available to cover overdrafts again after you bring your account to a positive end-of-day balance. What if I am having trouble repaying my Bounce Protection or use it frequently? Please contact us at if: (1) you do not believe you will be able to bring your account to a positive end-of-day balance within the required time period; (2) find that you are using Bounce Protection more often than you intend; or (3) don t understand why your account becomes overdrawn. We would like to discuss your situation with you. Following regulatory guidance, we will contact you if you are paying multiple paid item charges (i.e., more than six fees in a rolling 12-month period), to discuss possible alternatives to Bounce Protection that may better meet your short term credit needs. In the event you ask us to stop contacting you because you have determined Bounce Protection is appropriate for your needs, we will honor your wishes. However, if we identify that the number and frequency of overdrafts increases materially for an extended period of time at some point after that, we may contact you again to ensure Bounce Protection is still the most appropriate option available to you for covering your short term credit needs. How soon can I use my Bounce Protection? If you are a new customer, we will advise you one or more days after your account is opened that you may use the Bounce Protection service. This is provided you have maintained satisfactory activity in the account, including regular deposits, consistent with our internal standards for new account types that may offer Bounce Protection. Once you are notified your Bounce Protection limit is available to you, it may continue to be available provided you maintain the account in good standing as defined in this brochure. What are some of the ways I can access my Bounce Protection limit? Will my limit be reflected in the balance I receive? The chart below shows the different ways you can access your Bounce Protection limit and indicates whether or not this limit will be reflected in the balance provided. Access Points Is my Bounce Protection available? Does the balance provided reflect my Bounce Protection limit? Teller Yes No Writing a Check Yes N/A Debit Card (recurring) Yes N/A Debit Card (everyday) No** N/A ATM Withdrawal No** No ACH Auto Debit Yes N/A Online Banking Yes No Telephone Banking Yes No **With the exception of business accounts, Bounce Protection service will be made available for ATM or everyday debit card transactions upon your request. Call or visit one of our branches to arrange for your ATM and debit card coverage. What are some other ways I can cover overdrafts at State Bank? The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your check book regularly and manage your finances responsibly. However, if a mistake occurs, State Bank offers additional ways to cover overdrafts in addition to Bounce Protection. Ways to Cover Overdrafts at State Bank Example of Associated Fees Good account management $0 Link to another account $5 daily sweep transaction charge* Bounce Protection Paid item charge What if I do not want to have Bounce Protection on my account? If you would like to have this service removed from your account, please call Bounce Protection Customer Overdraft Policy An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank s Funds Availability Policy, are treated as not yet available or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. As long as you maintain your account in good standing, we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy. For Bounce Protection consideration, your account is in good standing if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) have no legal orders, levies or liens against your account. In the normal course of business, we generally pay electronic transactions first and then checks and other items in serial number order, or if no serial number is visible, from lowest amount to highest amount, per the bank s policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also, please be aware that the order of item payment may create multiple overdraft items during a single banking day for which you will be charged our paid item charge of $35 for each overdraft item paid. You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. So as not to exceed your limit, please note that the amount of the overdraft plus the bank s paid item charge of $35 per item will be deducted from the overdraft limit. We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or, if based upon our review of your account management, we determine that you are using Bounce Protection excessively or seem to be using Bounce Protection as a regular line of credit. You will be charged a returned item charge of $35 for each item returned. You will be promptly notified of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft including our paid item charge of $35 and/or a returned item charge of $35 that you owe us shall be due and payable upon demand, but if no demand is made, it is due no later than 30 calendar days after the creation of the overdraft. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts inclusive of fees. Bounce Protection should not be viewed as an encouragement to overdraw your account. To avoid fees, we encourage you to keep track of your account balance by entering all items in your check register, reconcile your check book regularly and manage your finances responsibly. If you would like to have this service removed from your account, please call Please note that your Bounce Protection limit may be available for each item paid under the limit created by checks and other transactions made using your checking account number, such as a teller withdrawal, an automatic payment (ACH) transaction, or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. The limit will not be included in the balance provided during an inquiry. LIMITATIONS: Bounce Protection is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or business use. State Bank reserves the right to limit participation to one account per household and to suspend, revoke, or discontinue this service without prior notice. Unless we advise you differently or you request this service be removed from your account, your limit will be made available to cover overdrafts again after you bring your account to a positive end-of-day balance. *This information is effective as of August 2014 and is provided as examples. Please ask us about our current specific products, rates and fees

14 Appendix C Tear out this page and make copies to provide to businesses or merchants for each of your automatic payments and direct deposits. 26

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