Disclosure

To receive the high Annual Percentage Yield and ATM fee refunds nationwide, you must perform the following each monthly qualification cycle:

• Have 12 Visa debit card transactions post and clear
• Have one Direct Deposit or ACH Auto Debit post and clear
• Enroll and receive Electronic Statements (valid e-mail address is required)

Earn nationwide ATM fee refunds up to $20 each cycle the qualifications are met.

2.51% Annual Percentage Yield (APY) paid on balances between one penny and $15,000 and 0.30% APY paid on the portion of account balances over $15,000 for each cycle the qualifications are met.

If you do not meet the qualifications during a cycle, your account will still function as a free checking account earning 0.03% APY and you will not receive ATM refunds for that time period.

Annual Percentage Rates for this account are effective as of August 6th, 2011 and subject to change after account is opened.

A minimum balance of $500 is required to open this account. Available for personal accounts only.

No monthly service charge.

Contact State Bank of The Lakes for more details.

Member FDIC.