Rates

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Account Product Name Min. Opening Deposit Min. Balance for Annual Percentage Yield Interest Rate Annual Percentage Yield (APY)

NOW Account

 $1,500.00 $1,500.00 C 0.15% 0.15%

Sabine Choice

 $10,000.00   0.15% 0.15%

Christmas Club Savings

 $5.00 $5.00 C 0.15% 0.15%

Military Savings

 $50.00   0.20% 0.20%

Savings

 $50.00 $200.00 C 0.20% 0.20%

Money Market Savings

 $2,500.00   0.20% 0.20%

Fixed Rate IRA (30 Month)

 $50.00 $50.00 C 0.90%  0.90%

Variable Rate IRA (18 Month)

  $50.00 $50.00 C 1.10% 1.10%

91 Day CD

  $2,500.00   $2,500.00 C 0.05%  0.05%

182 Day CD

 $2,500.00 $2,500.00 C  0.20%  0.20%

12 Month CD

 $5,000.00 $5,000.00 C  0.55%  0.55%

The FDIC Improvement Act of 1991 contained within it the "Truth in Savings" Act. The purpose of "Truth in Savings" is to enable consumers to make informed decisions about deposit accounts in depository institutions. Listed below are current interest rates for some of the accounts we offer. Please retain this information for your records. In our effort to remain competitive in the ever-changing marketplace, please note that rates, fees, and services may change at any time. Thank you for choosing Sabine State Bank and Trust Company.

a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account.  Interest Rates and Annual Percentage Yields are current as of February 25,2013. For current rate information call (318) 256-3445.