$50.00 minimum to open account; unless 18 years or younger
	Interest will be credited quarterly
	Minimum average daily balance of $100.00 to earn interest
	$1.00 maintenance fee per month on balances under $50.00, unless 18 years or younger
	$1.00 Service charge per debit item in excess of one per month
	Fee of $20.00 if closed within six months
	Free On-line Banking

	$100.00 minimum to open account; unless 18 years or younger
	Interest will be credited quarterly
	Minimum average daily balance of $100.00 to earn interest
	$1.00 maintenance fee per month on balances under $100.00; unless 18 years or younger
	$1.00 Service charge per debit item in excess of two per month
	Fee of $20.00 if closed within six months
	Free On-line Banking

	$1,000.00 minimum to open account
	Tiered interest rates will be credited monthly
	$5.00 monthly maintenance fee on balances below $1,000.00
	$5.00 Service charge per debit item in excess of six per month
	Fee of $20.00 if closed within six months
	Free On-line Banking

	Required minimum to open
	Interest credited quarterly, semi-annually, annually, or at maturity
	Interest payments may be added to the certificate or directly deposited into a checking or savings account
	Penalty for early withdrawal may be imposed
	Automatically renewable; except single maturity

Retirement Accounts Security State Bank offers retirement services for no charge.  Monies can be invested in Certificates of Deposit or Savings Accounts.

Retirement Savings Accounts* are tax-favored savings accounts for individuals to make deductible contributions. Check with your tax advisor for rules and regulations.

	100.00 minimum to open account
	Tiered interest rates credited quarterly
	No Annual Fee
	Certain transaction limitations do apply; inquire with a customer service representative and your tax advisor

Health Savings Accounts (HSAs)* are tax-favored savings arrangements for individuals covered by high-deductible health insurance plans. HSAs allow individuals to make deductible contributions and take tax-free distributions if assets are used to pay qualified medical expenses for themselves or their families.

	No minimum to open account
	Tiered interest rates credited quarterly
	$20.00 Service charge per year
	Certain transaction limitations do apply; inquire with a customer service representative and your tax advisor

Premier Security* This account appeals to savers who are looking for a competitive rate of return and immediate access to their funds.

	$25,000.00 minimum to open account
	Tiered interest rates credited monthly
	$1,000.00 minimum on deposits and withdrawals with a limit of 6 per month
	$5.00 Service charge per debit item in excess of six per month
	Fee of $20.00 if closed within six months

*Fees could reduce earnings on this account.

Security State Bank of Fergus Falls is participating
in the Transaction Account Guarantee Program.

Important Disclosure Regarding Deposit Insurance on
Noninterest-bearing Transaction Accounts