Checking and Savings

Personal Deposit Account Interest Rates and Annual Percentage Yields

Rates are effective as of MARCH 20, 2008. Rates can change daily, please contact Customer Service (Bank) for current rates. Fees can reduce earnings.

Product Name / Information	Rate	Min. Opening Deposit / APY(s)*
24-Carat Elite Checking		$1,000.00
	2.37%	2.40%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield.

Product Name / Information	Rate	Min. Opening Deposit / APY(s)*
Hometown Savings		$1,000.00
$100.00 - $4,999.99	0.50%	0.50%
$5,000.00 and above	0.75%	0.75%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield.

MVP (Most Valuable Person)	Rate	APY
$100.00 - $4,999.99	0.50%	0.50%
$5,000.00 and above	0.75%	0.75%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield.

High Yield Money Market Savings	Rate	$1,000.00 / APY
$1,000.00 - $9,999.99	0.95%	0.95%
$10,000.00 - $49,999.99	1.00%	1.00%
$50,000.00 - $99,999.99	1.10%	1.11%
$100,000.00 - $249,999.99	1.50%	1.51%
$250,000.00 and above	1.75%	1.76%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield.

PRIME PLUS MONEY MARKET	Rate	$2,500.00 / APY
$0.00 - $10,000.00	1.00%	1.00%
$10,000.01 - $25,000.00	1.25%	1.26%
$25,000.01 - $75,000.00	1.50%	1.51%
$75,000.01 - $250,000.00	1.75%	1.76%
$250,000.01 and above	2.00%	2.02%

This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield.