CHECKING ACCOUNTS (NON-INTEREST BEARING)

---

Stone Plus

•	No service charge
•	Unlimited check writing
•	Free club checks for our customers 55 or better
•	Direct deposit or an existing deposit account required
•	No minimum balance required
•	Cancelled checks not returned with statement

Regular Account

*	Service charge schedule: $5.95 monthly fee .10 per check or debit item
*	Minimum balance of $750 in this checking account or $2500 in a SSNB savings account waives monthly fee and debit item charges.

Basic Account

•	Service charge schedule: $2.95 monthly fee 25 per check or debit item
•	Minimum balance of $750 in this checking account or $2500 in a SSNB savings account waives monthly fee and debit item charges.

Golden Account

•	This account is for our customers 55 years or better
•	Unlimited check writing
•	No service charge
•	Free personalized checks
•	Free Travelers’ Cheques
•	Free Cashier’s Cheques and money orders
•	Free Notary Service

SAVINGS PLANS

---

Statement Savings

•	Service charge schedule: $1.00 monthly fee .25 per withdrawal after 4
•	Minimum balance of $250 waives monthly fee
•	No monthly fee for customers 18 years or younger
•	Earns competitive rate of interest paid monthly
•	Quarterly statement
•	Customer with combined statement with SSNB checking account will receive monthly statement

Certificates of Deposit

•	$500 minimum deposit
•	Terms available from 7 days to 3 years
•	Interest payable by compounding, check or to another SSNB account
•	Special rates on certificates of $100,000 or more
(SUBSTANTIAL EARLY WITHDRAWAL PENALTY)

Individual Retirement Account

•	$100 minimum to open
•	Choose from 12 month fixed or 24 month variable rate plans
•	Interest earned is tax deferred until withdrawal
•	Possible tax savings for contributions

Roth or Coverdell Educational IRA'S available

BUSINESS

CHECKING ACCOUNTS (INTEREST BEARING)

---

 NOW Account ACCOUNT THAT EARNS INTEREST AVAILABLE TO THE SOLE PROPRIETORSHIP AND NON-PROFIT ORGANIZATIONS

•	Service charge schedule: $5.50 monthly fee .12 per check or debit item .12 per deposit item
•	Earns competitive rate of interest on daily collected balance

 Money Market Account

•	Service charge schedule: $5.50 monthly fee .12 per deposit item over 10 regardless of balance
•	Minimum balance of $1000 waives monthly fee
•	Earns competitive rate of interest on daily collected balance
•	Limited check writing (3 - 3rd party checks and 3 other type transfers) plus unlimited in-person withdrawals and transfers per monthly statement cycle