• Safe Deposit Box (fees vary depending on size)
• Certificate of Deposit (information available upon request)
• Individual Retirement Accounts
• Coverdell Education Savings Accounts
• Night deposit bags
• MasterCard Debit/ATM Card

Fees

Money Orders	$2.50
Returned Nonsufficient Funds (per item) Paid Overdraft (per item)   *created by check, in person withdrawal,     ATM withdrawal, or other electronic means	$30.00 $30.00
Stop Payments (all items)	$15.00
Cash Advance	$2.00
Photocopies	$0.50 per copy
Deposit Items Returned	$5.00
Early Closure of Account (less than 3 months)	$15.00
Wire Transfers (incoming or outgoing) Customer International	$15.00 $40.00
Coupon Redemption	Registered mail fee
Check Cashing Non-customer - first $100.00 Each additional $100.00	$2.00 $1.00
Check Image Returned w/ Statement	$5.00
Check Image Returned on CD	$10.00
Collections	$10.00
Tax Levy/Garnishment	$20.00
Currency and coin Non-customer per time	$2.00
FAX Incoming per page Outgoing per page-first page Additional pages	$0.50 $1.00 $0.50
Interim statements	$1.00
Notary Fees (non-customer)	$0.50
Research on Accounts	$25.00 per hour

Independence State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.