This information was last updated: 8/30/2010 Deposits -Checking -Savings -Certificates of Deposit (CDs) -Individual Retirement Accounts Investments -U.S. Treasury Bills -U.S. Treasury Notes Loans -SNB Base Rate -Automobile -Home Equity -Mortgage Loan Disclosures Deposits   (FDIC Insured) (A.P.Y. = Annual Percentage Yield) Checking/Savings (Rates may vary-fees could reduce earnings)       Rate A.P.Y.   Checking with Interest 0.05 0.05   Premiere Checking 0.15 0.15   Regular Savings 0.05 0.05   S.O.S. (under $500) 0.05 0.05   S.O.S. ($500 and over) 0.11 0.11   MMGA Savings ($100,000 & up) 0.14 0.14   MMGA Savings ($40,000 - $99,999) 0.11 0.11   MMGA Savings ($2,500 - $39,999) 0.08 0.08   MMGA Commercial ($2,499 & below) 0.05 0.05   MMGA Commercial ($10,000 min) Changes Daily Changes Daily   Health Savings Account (under $2,500) 0.25 0.25   Health Savings Account ($2,500 - $9,999) 0.50 0.50   Health Savings Account ($10,000 & up) 1.00 1.00   Certificates of Deposit **CD Plus Rate available to new or existing checking account customers Automatically renewed CDs will default to the regular rate. ***30 Month CD to be offered at SNB-Iowa and SNB-South Dakota Step-up option after 15 months (one time rate increase as of date of customers request) 1/2 of Principal may be withdrawn without penalty after 15 months, any subsequent withdrawals subject to penalty. Renewable-step up and no penalty on 1/2 withdrawal after 15 months during initial term only. Penalties for Early Withdrawal: Term Penalty 91 day or less - The greater of 7 days interest or the accured interest 92 day to 1 year - 91 days interest Over 1 year - 182 days interest   CD CD PLUS   Term Rate A.P.Y. Rate A.P.Y.   91 Day 0.05 0.05 0.20 0.20   182 Day 0.05 0.05 0.45 0.45   8 Month 0.25 0.25 0.65 0.65   10 Month 0.35 0.35 0.75 0.75   1 year 0.40 0.40 0.80 0.80   14 Month 0.50 0.50 0.90 0.90   18 Month 0.65 0.65 1.05 1.05   24 Month 1.05 1.05 1.45 1.45   30 Month** 1.19 1.19 1.69 1.70   4 Year 1.49 1.50 1.99 2.00   5 Year 1.69 1.70 2.19 2.20 Individual Retirement Accounts       Rate A.P.Y.   Variable Rate Rates may change after account is opened. 1.30 1.30   Effective through calendar quarter.     Fixed Same terms and rates apply as CDs Investments   U.S. Treasury Bills   Term Rate   30 Day 0.16   60 Day 0.13   90 Day 0.14   180 Day 0.18 U.S. Treasury Notes   Term Rate   2 Year 0.51   5 Year 1.42   10 Year 2.60 Loans     A.P.R.   Automobile, RVs & Boats: Fixed/Direct Debit Rates as low   as 6.20     Home Equity Line (Variable Rate) 4.27   Contact a Personal Banker for specific terms and conditions Eligibility for preferred rates is determined by many factors including credit rating, how often you have sought credit, how much and what other types of credit you have available, and how it has been used. We will also consider income level and banking relationships. No single factor will dictate the rate, but rather all the factors together will determine whether you will qualify for the preferred rate. Mortgage Loan     A.P.R.   Home Improvement and Second Mortgage   For rate information on FHA/VA and Conventional Fixed Rate financing, please call the Mortgage Loan Center - 277-6785     Contact Information   Personal Banking   Jeremy Craighead - 277-6553   Vicki Thomas - 277-6505   Laura Pratt - 277-6651   Janelle Noreen - 605-232-6063 Real Estate   Julie Schmidt - 277-6671   Janelle Noreen - 605-232-6063   Holly June - 277-6575