DISCLOSURE OF FEES AND ACCOUNT TERMS FOR REGULAR CHECKING ACCOUNTS

FEE SCHEDULE:

Fee if more than 5 debits per statement cycle (Maintenance Fee)	5.00
Activity fee for each debit to the account if more than 5 debits per statement cycle:      (1) Electronic debits (Service Charge Fee)      (2)Checks (Service Charge Fee)	.10 .10
Fee to stop payment or revoke authorization (Stop Payment Fee)	20.00
Fee for returning each item due to non-sufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means  (Return Item Charge)	20.00
Fee for paying each item created by check, in-person withdrawal, ATM withdrawal, or other electronic means that overdraws your account  (Overdraft Charge)	20.00
Fee imposed every 7th day on an overdraft (Cont OD Charge)	20.00
Fee for the printing of checks	Prices Vary
Fee per hour for account research (Research Fee)	10.00 minimum 20.00 per hour
Fee for each photocopy (Photocopy Fee)	.25
Duplicate Statement Fee	$2.00
Fee if account balance falls below $200 with no activity for 365 days (Dormant Checking Account Fee)	$5.00 per month
Fee for which all contact has been lost with customer, per month (Lost Customer Fee)	5.00
Fee for wire transfer (Wire Transfer Fee)	15.00
Fee for incoming wire transfer (Wire Transfer Fee)	10.00
Fee for Cashier's Check (Cashiers Check Fee)	5.00
Fee for Money Order (Money Order Fee)	3.00
Fee for each Cash Card transaction at a foreign terminal. (A terminal other than a Carson National Bank terminal) (ATM Usage Fee)	1.50
Fee for the replacement of Card (Card Replacement Fee)	10.00
Fee for fax, per page (Fax Fee)	2.00
Fee for Garnishment/Tax Levy (Garnishment/Tax Levy Fee)	10.00

FEE SCHEDULE EXCEPTION: Upon request, this account is available without any activity and maintenance fees to individuals 65 years of age or more. You will receive $.10 credit back (Bank Credit on Activity Fee) on every $100 minimum balance applied to your activity fee. Credit will not exceed your activity fee. Account maintenance and activity fees on a new account are waived for the first statement cycle. No Activity or Maintenance Fees will be charged if it computes to less than $.50.

DISCLOSURE OF INTEREST, FEES AND ACCOUNT TERMS FOR NOW ACCOUNTS

FEE SCHEDULE:

Fee if the balance in the account is less than $1000 any day of the statement cycle. (Minimum Balance Fee)	20.00
Fee to stop payment or revoke authorization (Stop Payment Fee)	20.00
Fee for returning each item due to non-sufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means  (Return Item Charge)	20.00
Fee for paying each item created by check, in-person withdrawal, ATM withdrawal, or other electronic means that overdraws your account  (Overdraft Charge)	20.00
Fee imposed every 7th day on an overdraft (Cont OD Charge)	20.00
Fee for the printing of checks	Prices Vary
Fee per hour for account research (Research Fee)	10.00 minimum 20.00 per hour
Fee for each photocopy (Photocopy Fee)	.25
Duplicate Statement Fee	$2.00
Fee for which all contact has been lost with customer, per month (Lost Customer Fee)	5.00
Fee for wire transfer (Wire Transfer Fee)	15.00
Fee for incoming wire transfer (Wire Transfer Fee)	10.00
Fee for Cashier's Check (Cashiers Check Fee)	5.00
Fee for Money Order (Money Order Fee)	3.00
Fee for each Cash Card transaction at a foreign terminal. (A terminal other than a Carson National Bank terminal) (ATM Usage Fee)	1.50
Fee for the replacement of Card (Card Replacement Fee)	10.00
Fee for fax, per page (Fax Fee)	2.00
Fee for Garnishment/Tax Levy (Garnishment/Tax Levy Fee)	10.00

RATE INFORMATON: The interest rate for your account is .050% with an annual percentage yield of 0.050%. Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account at any time. MINIMUM BALANCE REQUIREMENTS: You must deposit $1000 to open this account. Once the account is opened, there is a minimum balance requirement of $1000 to avoid the minimum balance fee. There is no minimum balance requirement to meet before you earn interest. BALANCE COMPUTATION METHOD: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance in your account each day. COMPOUNDING AND CREDITING: Interest will be compounded and credited to your account each month on the last day of your statement cycle. If you advise us that you are closing your account, interest will be paid up to the date of closing. An account is considered closed when the ledger balance is zero. Interest will be forfeited when an account is closed without notifying the bank. ACCRUAL OF INTEREST ON DEPOSITS OTHER THAN CASH: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

DISCLOSURE OF INTEREST, FEES AND ACCOUNT TERMS FOR SUPER NOW ACCOUNTS

FEE SCHEDULE:

Fee if the balance in the account is less than $2500 any day of the statement cycle. (Minimum Balance Fee)	20.00
Fee to stop payment or revoke authorization (Stop Payment Fee)	20.00
Fee for returning each item due to non-sufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means  (Return Item Charge)	20.00
Fee for paying each item created by check, in-person withdrawal, ATM withdrawal, or other electronic means that overdraws your account  (Overdraft Charge)	20.00
Fee imposed every 7th day on an overdraft (Cont OD Charge)	20.00
Fee for the printing of checks	Prices Vary
Fee per hour for account research (Research Fee)	10.00 minimum 20.00 per hour
Fee for each photocopy (Photocopy Fee)	.25
Fee for which all contact has been lost with customer, per month (Lost Customer Fee)	5.00
Duplicate Statement Fee	$2.00
Fee for wire transfer (Wire Transfer Fee)	15.00
Fee for incoming wire transfer (Wire Transfer Fee)	10.00
Fee for Cashier's Check (Cashiers Check Fee)	5.00
Fee for Money Order (Money Order Fee)	3.00
Fee for each Cash Card transaction at a foreign terminal. (A terminal other than a Carson National Bank terminal) (ATM Usage Fee)	1.50
Fee for the replacement of Card (Card Replacement Fee)	10.00
Fee for fax, per page (Fax Fee)	2.00
Fee for Garnishment/Tax Levy (Garnishment/Tax Levy Fee)	10.00

RATE INFORMATON: The interest rate for your account is .10% with an annual percentage yield of .10%. Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account at any time. MINIMUM BALANCE REQUIREMENTS: You must deposit $2500 to open this account. Once the account is opened, there is a minimum balance requirement of $2500 to avoid the minimum balance fee. There is no minimum balance requirement to meet before you earn interest. BALANCE COMPUTATION METHOD: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance in your account each day. COMPOUNDING AND CREDITING: Interest will be compounded and credited to your account each month on the last day of your statement cycle. If you advise us that you are closing your account, interest will be paid up to the date of closing. An account is considered closed when the ledger balance is zero. Interest will be forfeited when an account is closed without notifying the bank. ACCRUAL OF INTEREST ON DEPOSITS OTHER THAN CASH: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

DISCLOSURE OF INTEREST, FEES AND ACCOUNT TERMS FOR DIAMOND CLUB ACCOUNTS

Club Requirements: Age 50 or over. Open a Diamond Club checking account. $100 balance or more required to avoid $20 monthly fee.

FEE SCHEDULE:

Fee if the balance in the account is less than $100 any day of the statement cycle. (Minimum Balance Fee)	20.00
Fee for returning each item due to non-sufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means  (Return Item Charge)	20.00
Fee for paying each item created by check, in-person withdrawal, ATM withdrawal, or other electronic means that overdraws your account  (Overdraft Charge)	20.00
Fee imposed every 7th day on an overdraft (Cont OD Charge)	20.00
Fee for the printing of checks	Prices Vary
Fee per hour for account research (Research Fee)	10.00 minimum 20.00 per hour
Fee for which all contact has been lost with customer, per month (Lost Customer Fee)	5.00
Duplicate Statement Fee	$2.00
Fee for wire transfer (Wire Transfer Fee)	15.00
Fee for incoming wire transfer (Wire Transfer Fee)	10.00
Fee for each Cash Card transaction at a foreign terminal. (A terminal other than a Carson National Bank terminal) (ATM Usage Fee)	1.50
Fee for the replacement of Card (Card Replacement Fee)	10.00
Fee for Garnishment/Tax Levy (Garnishment/Tax Levy Fee)	10.00
Fee for each photocopy after 10 per month (Photocopy Fee)	.25

RATE INFORMATON: If the daily balance is $2,500.00 or more, the interest rate for your account is .10% with an annual percentage yield of .10%. If the daily balance is $1,000.00 or more but less than $2,500.00, the interest rate for your account is .05% with an annual percentage yield of .05%. If the daily balance is $100.00 or more but less than $1,000.00, the interest rate for your account is .01% with an annual percentage yield of .01%. If the daily balance is less than $100.00, no interest will accrue until the minimum balance if obtained. Your interest rate and annual percentage yield may change at the bank's discretion, at any time. MINIMUM BALANCE REQUIREMENTS: You must deposit $100 to open this account. Once the account is opened, there is a minimum balance requirement of $100 to avoid the minimum balance fee. BALANCE COMPUTATION METHOD: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance in your account each day. COMPOUNDING AND CREDITING: Interest will be compounded and credited to your account each month on the last day of your statement cycle. If you advise us that you are closing your account, interest will be paid up to the date of closing. An account is considered closed when the ledger balance is zero. Interest will be forfeited when an account is closed without notifying the bank. ACCRUAL OF INTEREST ON DEPOSITS OTHER THAN CASH: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Club Benefits: Special interest rate on our Diamond Club checking. Limited number of free wallet style Diamond Club checks or a $5.00 credit toward the design of your choice. Free unlimited checking - members may write all the checks they want without paying a per-check charge. Free initial ATM or VISA Check Card. Free money orders and cashier's checks. Free stop payment orders. Free fax service. Free notary service. Free funds transfer. Free direct deposit. 10 free photocopies per month. Free membership card. Travel opportunities. Socializing with friends. Newsletter.

DISCLOSURE OF INTEREST, FEES AND ACCOUNT TERMS FOR SAVINGS ACCOUNTS

FEE SCHEDULE:

Activity fee for each debit to the account in excess of 5 debits per calendar quarter: (Debit Fee)	.50
Fee per hour for account research (Research Fee)	10.00 minimum 20.00 per hour
Fee for returning each item due to non-sufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means  (Return Item Charge)	20.00
Fee for paying each item created by check, in-person withdrawal, ATM withdrawal, or other electronic means that overdraws your account  (Overdraft Charge)	20.00
Fee imposed every 7th day on an overdraft (Cont OD Charge)	20.00
Fee for each photocopy (Photocopy Fee)	.25
Fee for which all contact has been lost with customer, per month (Lost Customer Fee)	5.00
Duplicate Statement Fee	$2.00
Fee for wire transfer (Wire Transfer Fee)	15.00
Fee for incoming wire transfer (Wire Transfer Fee)	10.00
Fee for Cashier's Check (Cashiers Check Fee)	5.00
Fee for Money Order (Money Order Fee)	3.00
Fee for each Cash Card transaction at a foreign terminal. (A terminal other than a Carson National Bank terminal) (ATM Usage Fee)	1.50
Fee for the replacement of Card (Card Replacement Fee)	10.00
Fee for fax, per page (Fax Fee)	2.00
Fee for Garnishment/Tax Levy (Garnishment/Tax Levy Fee)	10.00

RATE INFORMATON: The interest rate for your account is .10% with an annual percentage yield of .10%. Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account at any time. MINIMUM BALANCE REQUIREMENTS: There is no minimum balance requirement to meet before your account earns interest. BALANCE COMPUTATION METHOD: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance in your account each day. COMPOUNDING AND CREDITING: Interest will be compounded and credited to your account each month on the last day of your statement cycle. If you advise us that you are closing your account, interest will be paid up to the date of closing. An account is considered closed when the ledger balance is zero. Interest will be forfeited when an account is closed without notifying the bank. ACCRUAL OF INTEREST ON DEPOSITS OTHER THAN CASH: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). TRANSACTION LIMITATIONS: Your account is limited to six (6) preauthorized debits during each month. Preauthorized debits include transfers authorized by telephone, transfers and payments authorized by agreement.

CHRISTMAS CLUB ACCOUNT DISCLOSURE

FEE SCHEDULE: There are no fees associated with this club account. ELIGIBILITY REQUIREMENTS: You may choose from the following weekly payments: $12.00 monthly = $ 150 $20.00 monthly = $ 250 $40.00 monthly = $ 500 $80.00 monthly = $1000 MINIMUM BALANCE REQUIREMENTS No minimum balance requirements apply to this account. TRANSACTION LIMITATIONS                                                                                                      49 payments are required to earn the bonus.  Your last payment must be made by the 1st business day of November.  Your Christmas Club check will be issued no later than November 15th.  There is no bonus if you do not complete 49 weeks of payments required. You will receive the amount of payments that you have made by no later than November 15th. No early withdrawal is allowed.  In certain circumstances such as the death or incompetence of an owner, exceptions are allowed.

BONUSES You  will receive the last weekly payment as a bonus on the 1st business day of November.  The interest rate on your account is 0.00% with annual percentage yield of 0.00%.  The bonus is the 50th payment. CURRENT RATE INFORMATION                                                                                                  The interest rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 03/19/04.  To obtain current interest rate and annual percentage yield information, please call 402-274-4333.

DISCLOSURE OF INTEREST, FEES AND ACCOUNT TERMS FOR MONEY MARKET ACCOUNTS

FEE SCHEDULE:

Fee if the balance in the account is less than $2500 any day of the statement cycle. (Minimum Balance Fee)	20.00
Fee to stop payment or revoke authorization (Stop Payment Fee)	20.00
Fee for returning each item due to non-sufficient funds created by check, in-person withdrawal, ATM withdrawal, or other electronic means  (Return Item Charge)	20.00
Fee for paying each item created by check, in-person withdrawal, ATM withdrawal, or other electronic means that overdraws your account  (Overdraft Charge)	20.00
Fee imposed every 7th day on an overdraft (Cont OD Charge)	20.00
Fee per hour for account research (Research Fee)	10.00 minimum 20.00 per hour
Fee for each photocopy (Photocopy Fee)	.25
Duplicate Statement Fee	$2.00
Fee for which all contact has been lost with customer, per month (Lost Customer Fee)	5.00
Fee for wire transfer (Wire Transfer Fee)	15.00
Fee for incoming wire transfer (Wire Transfer Fee)	10.00
Fee for Cashier's Check (Cashiers Check Fee)	5.00
Fee for Money Order (Money Order Fee)	3.00
Fee for fax, per page (Fax Fee)	2.00
Fee for Garnishment/Tax Levy (Garnishment/Tax Levy Fee)	10.00

RATE INFORMATON: The interest rate for your account is .10% with an annual percentage yield of .10%. Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate on your account at any time. MINIMUM BALANCE REQUIREMENTS: You must deposit $2500 to open this account. Once the account is opened, there is a minimum balance requirement of $2500 to avoid the minimum balance fee. There is no minimum balance requirement to meet before you earn interest. BALANCE COMPUTATION METHOD: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance in your account each day. COMPOUNDING AND CREDITING: Interest will be compounded and credited to your account each month on the last day of your statement cycle. If you advise us that you are closing your account, interest will be paid up to the date of closing. An account is considered closed when the ledger balance is zero. Interest will be forfeited when an account is closed without notifying the bank. ACCRUAL OF INTEREST ON DEPOSITS OTHER THAN CASH: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). TRANSACTION LIMITATIONS: Your account is limited to six (6) preauthorized debits during each monthly statement cycle.  Preauthorized debits include transfers authorized by telephone, transfers and payments authorized by agreement and checks made payable to third parties. Unlimited transfers between accounts may be made at the bank.

ONLINE BANKING

FEE SCHEDULE:

Basic Online Banking Service

Free