Personal Solutions: Personal Checking & Savings Disclosure Revised 02.2009

(See separate disclosure for Limited Edition Savings)

COMMON FEATURES ON ALL SCSB PERSONAL CHECKING AND SAVINGS ACCOUNTS

All deposits or withdrawals made after 3 p.m. will be posted on the following business day.
Account-closing fee for accounts less than 60 days old $20
Negative Balance Account Closing Fee $25
Account Reopening Fee $20
24-Hour Banker Online Free
Stop payment fee $27 + tax
ATM usage fee (non-SCSB terminals)(waived on “Student Checking” Accounts)** $1.50
Deposited Item Returned fee $2.50 + tax
Dormant account fee $5 per month after 12 months inactivity for balances less than $200
Return Item Fee/Overdraft Item Fee* $27
*The Return Item Fee/Overdraft Item Fee charges apply to overdrafts created by check,
in-person withdrawals, ATM withdrawals or other electronic means.
Signature Restriction Fee** $5 per month
eStatements Free

ACCOUNT TERMS AND FEES FOR NON-INTEREST BEARING PERSONAL CHECKING ACCOUNTS

Free Checking

Minimum deposit required to open the account $100
Monthly basic service charge None
ATM/Debit card fee** $1.50/mo
This fee may be offset by completing at least five debit card transactions within the month.
Images of checks returned in your statement No
Check Image Fee to receive images of checks with your statement.** $5
Photo Debit Card** $10
Item retrieval fee $2 + tax per item

ACCOUNT TERMS AND FEES FOR INTEREST BEARING PERSONAL CHECKING ACCOUNTS

Bonus Checking

Minimum deposit required to open the account $100
Daily collected balance needed for interest to be paid on account $1500 or more
Bonus Checking Fee (per statement cycle)** $7.50
ATM/Debit card fee None
Photo debit card Free
Images of checks returned in statement Optional/No charge

Prestige Checking

Minimum deposit required to open the account $100
Monthly average ledger balance required to avoid a monthly basic service charge
                                                                                                               $10,000 in Total Deposits
      Total deposit accounts that can be included are checking, savings, time certificates
      and retirement accounts.
Basic service charge if below $10,000 in total deposits per month** $10
ATM/Debit card fee None
Photo debit card** $10
Images of checks returned in statement Optional/No Charge
No basic service charge will be assessed if two or less than two items are paid in the statement cycle.

Student Checking

Minimum deposit required to open the account $100
Daily collected balance needed for interest to be paid on account $100 or more
Monthly basic service charge None
ATM/Debit card fee** $1.50/mo
This fee may be offset by completing at least five debit card transactions within the month. (Excludes ATM transactions)
Images of checks returned in your statement No
Check Image Fee to receive images of checks with your statement** $5
Photo Debit Card Free
Item retrieval fee $2 + tax per item
Foreign ATM withdrawals Free

COMMON FEATURES FOR INTEREST BEARING PERSONAL CHECKING ACCOUNTS:

The daily balance method will be used to calculate interest by applying a daily periodic rate to the full amount of principal in the account each day. The principal upon which interest will be paid will be the collected balance. The collected balance on any particular day is the ledger balance less any float connected with the current or previous day’s deposits.
We pay the stated rate of interest on the entire collected balance, depending on what tier the balance falls.
The interest rate and the annual percentage yield (APY) you will earn is variable and is set by the management of SCSB. The rate may change weekly. Please ask a Bank Representative for current rates or visit www.scsbnet.com.
Interest will be compounded monthly and the interest will be credited to your account at the end of each statement cycle period. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items, such as checks. Deposits received after 3 p.m. are credited to the next business day.
If you close your account before interest is credited, you will receive the accrued interest.
We reserve the right to require seven days notice before any withdrawal can be made from an interest-bearing account.
Fees may reduce earnings.

ADDITIONAL COMMON FEATURES OF ALL SCSB PERSONAL CHECKING ACCOUNTS:

Check printing fees may vary.
24 Hour Banker and Billpay Free
Transfer Fee (from a loan to cover an overdraft)** $5
Automatic Transfer Fee (from a savings or checking account to cover an overdraft)** $5

**Sales tax included on checking accounts

ACCOUNT TERMS AND FEES FOR SCSB SAVINGS ACCOUNTS

Statement Savings

Minimum deposit required to open None
Daily collected balance needed for interest to be paid on account $50 & over
ATM and debit card accessible (no Point-of-Sale transactions) Cash only
Average ledger balance to avoid a basic service charge $100
Basic service charge if minimum is not met $3
The basic service charge will be waived for students and minors
Excess withdrawal fee $3 for over 6 withdrawals in a monthly statement cycle

IMF Savings

Minimum deposit required to open None
Daily collected balance needed for interest to be paid on ccount $2,500 & over
ATM and Debit card accessible Yes
Average ledger balance to avoid a basic service charge $2500
Basic service charge if minimum is not met $5
Excess withdrawal fee $3 for over 6 withdrawals in a monthly statement cycle

Elite Money Market

Minimum deposit required to open None
Daily collected balance needed for interest to be paid on account $2,500 & over
Debit and ATM card accessible Yes
Limited check writing Yes
Average ledger balance to avoid a basic service charge $2500
Basic service charge if minimum is not met $5
Excess withdrawal fee $3 for over 6 withdrawals in a monthly statement cycle

ADDITIONAL FEATURES ON ALL SCSB SAVINGS ACCOUNTS

The daily balance method will be used to calculate the interest on all savings accounts by applying a daily periodic rate to the full amount of principal in the account each day. The principal upon which interest will be paid will be the collected balance, subject to the minimums above for Statement Savings, IMF Savings and Elite Money Market savings accounts.
We pay the stated rate of interest on the entire collected balance, depending on what tier the balance falls.
The interest rate and annual percentage yield you will earn is variable and is set by the management of the SCSB. The rate may change weekly. Please ask a Bank Representative for current rates or view rates at www.scsbnet.com.
Interest is compounded monthly and the interest will be credited to the savings account monthly.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items, such as checks. Deposits received after 3 p.m. are credited to the next business day.
We reserve the right to require seven days notice before any withdrawal can be made from an interest-bearing account.
If you close your account before interest is credited, you will receive the accrued interest.
Withdrawals made in person, by mail or at the ATM are unlimited. Other preauthorized, automatic, computer, telephone withdrawals and transfers are limited to six per month.
Fees may reduce earnings.

OTHER FEES THAT MAY BE ASSESSED TO YOUR CHECKING OR SAVINGS ACCOUNT

History printouts                           $1+ tax                          Wire Fees – Incoming Fee                            $15 + tax
Tax Levies and Garnishments     $50                                 Outgoing Fee                                             $15 + tax
Statement - Interim                       $4 + tax                         Overseas Fee                                            $45 + tax
Return Mail Fee                            $3                                   Canadian Check Handling                          $5 per item
Safe Deposit Box late payment   $5
Safe Deposit box surcharge for manual pmt $5

Effective 7.2.09