Comparison Chart

$100 Opens Any Account

This account is for you if... Monthly Fee Check Writing EXTRA Features

Free
Checking You want unlimited checking with no fees No fee Unlimited Online Banking; CHECKCard; Image statement, $300 Bounce Protection

Free Senior
Checking You are at least 50 years of age and want unlimited checking with no fees No fee Unlimited Free checks; Online Banking; CHECKCard; Image statement, $300 Bounce Protection

VauluPak
Checking You want the best checking account value... including an attractive benefits package One low mothly fee... provides you with a complete checking package* Unlimited Free checks; Online Banking; CHECKCard; $10,000 Accidental Death & Dismemberment Insurance; $2,500 Dependent Coverage; vacation services; $400 Bounce Protection and much more

Interest
Checking You want to earn TIERED interest rates on your deposits No fee with a balance of $1,000 or more Unlimited Online Banking; CHECKCard; Image statements, $500 Bounce Protection

SouthEast50
Interest
Checking You are at least 50 years of age and want to earn TIERED interest on your deposits No fee for balances of $1,000 or more Unlimited Free checks; Online Banking; $10,000 Common Carrier Insurance; $10,000 Accidental Death & Dismemberment Insurance; Free bank services; vacation services, $500 Bounce Protection

*For complete information about account costs and fees, refer to the Schedule of Fees brochure or ask any SouthEast Bank & Trust Customer service representative.

**BOUNCE PROTECTION NOTICE:
SouthEast Bank charges a fee of $30 for each overdraft created by check, in-person withdrawal, ATM withdrawal, or other electronic means that uses Bounce Protection. Customers must bring their account to a positive balance within 30 days to continue to receive Bounce Protection privileges. As long as your account stays in good standing, SouthEast will pay your overdrafts up to your Bounce Protection limit.

Accidental Death & Dismemberment Insurance products are:

NOT A DEPOSIT

NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK

MAY GO DOWN IN VALUE

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IMPORTANT NOTICE SouthEast Bank & Trust has elected to participate in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, 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.

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	$100 Opens Any Account
	This account is for you if...	Monthly Fee	Check Writing	EXTRA Features
Free Checking	You want unlimited checking with no fees	No fee	Unlimited	Online Banking; CHECKCard; Image statement, $300 Bounce Protection
Free Senior Checking	You are at least 50 years of age and want unlimited checking with no fees	No fee	Unlimited	Free checks; Online Banking; CHECKCard; Image statement, $300 Bounce Protection
VauluPak Checking	You want the best checking account value... including an attractive benefits package	One low mothly fee... provides you with a complete checking package*	Unlimited	Free checks; Online Banking; CHECKCard; $10,000 Accidental Death & Dismemberment Insurance; $2,500 Dependent Coverage; vacation services; $400 Bounce Protection and much more
Interest Checking	You want to earn TIERED interest rates on your deposits	No fee with a balance of $1,000 or more	Unlimited	Online Banking; CHECKCard; Image statements, $500 Bounce Protection
SouthEast50 Interest Checking	You are at least 50 years of age and want to earn TIERED interest on your deposits	No fee for balances of $1,000 or more	Unlimited	Free checks; Online Banking; $10,000 Common Carrier Insurance; $10,000 Accidental Death & Dismemberment Insurance; Free bank services; vacation services, $500 Bounce Protection
For complete information about account costs and fees, refer to the Schedule of Fees* brochure or ask any SouthEast Bank & Trust Customer service representative. **BOUNCE PROTECTION NOTICE: SouthEast Bank charges a fee of $30 for each overdraft created by check, in-person withdrawal, ATM withdrawal, or other electronic means that uses Bounce Protection. Customers must bring their account to a positive balance within 30 days to continue to receive Bounce Protection privileges. As long as your account stays in good standing, SouthEast will pay your overdrafts up to your Bounce Protection limit.