Personal Banking CERTIFICATES OF DEPOSIT Our certificates of deposit pay competitive interest rates. For your convenience, this account is represented by a receipt which allows for renewals, reinvesting, and redemptions which can be handled over the phone and through the mail. • Minimum opening deposit - $10,000.00 • Maturity terms range from 30 Days to 5 Years. • The fixed interest rate is determined by the term selected and is paid for the entire term of the investment.

To sum it up, I would have to say that the level of service and willingness to help me with my financial needs is outstanding. Brad Kuhn and Commerce State Bank put the customer first and have made me a customer for life! Thanks again for everything! Cory Schultz

• Interest begins to accrue on the business day you make deposits and we use the daily balance method to calculate the interest, applying a periodic rate to the principal balance in the certificate account each day using a 365 day basis.

• If interest compounding occurs during the term of the investment, the annual percentage yield disclosed assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

For investments that WILL automatically renew at maturity, you will have 10 calendar days after the maturity date to withdraw funds without penalty.

For investments that WILL NOT automatically renew at maturity, interest will not be paid after maturity.

Early Withdrawal Penalties for Certificates

1) For investments with an original term of less than 60 days the penalty will be the forfeiture of 30 days simple interest on the amount withdrawn.

2) For investments with an original term of 60 days to less than 3 months, the penalty will be the forfeiture of 60 days simple interest on the amount withdrawn.

3) For investments with an original term of three months up to 1 year, the penalty will be the forfeiture of three months’ simple interest on the amount withdrawn.

4) For investments with an original term of more than one year, the penalty will be the forfeiture of six months’ simple interest on the amount withdrawn.

The amount of the penalty will be calculated using the higher rate of: Current CD rate or new published rate. If sufficient interest has not accrued at the time of withdrawal, the principal will be reduced to the extent necessary to meet the required penalty.

Early withdrawals made because of the death or the judicially declared incompetence of the account owner will not be penalized.

For your convenience, Commerce State Bank offers Internet Banking. Check your account balance(s) anytime or anywhere and view the history for your account(s). You can also transfer funds. Contact the bank for more information!

Debit Card & Teller Fees
Fees and limits applicable to Personal Checking and Savings Products that have Debit Card capabilities.

• Debit Card Issuance Fee One Card Free Per Account Owner
• Card or Pin Replacement Fee $5.00
• ATM Surcharge – Inquires & Withdrawals $.50/@if >6 total in a statement period

NOTICE REGARDING ATM FEES BY OTHERS: You may be charged a fee by the operator of the machine and/or by an automated transfer network.

International Transaction Assessment Fee: When you use your VISA debit card at a merchant that settles in currency other than U.S. dollars, the charge (i) will be converted into U.S. dollars using an exchange rate for the applicable processing date that is (a) selected by VISA from the range of rates available in wholesale currency markets (which rate may vary from the rate VISA itself receives) or (b) the government-mandated rate; and (ii) will assess an International Service Assessment Fee of 1% on all international transactions regardless of whether or not a currency conversion is involved. (Except in Puerto Rico and the US Virgin Islands.) We may pass this fee on to you.