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Deposit Rate Schedule

Effective Date: September 01, 2010

CERTIFICATES OF DEPOSIT¹
Consumer/Business
$2,500 minimum opening deposit required

	$2,500-$9,999		$10,000-$49,999		$50,000-$99,999		$100,000+
Term	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY
90 Days	0.40%	0.40%	0.40%	0.40%	0.40%	0.40%	0.35%	0.35%
180 Days	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%	0.45%	0.45%
1 Year	0.75%	0.75%	0.75%	0.75%	0.75%	0.75%	0.70%	0.70%
2 Years	1.30%	1.31%	1.30%	1.31%	1.30%	1.31%	1.25%	1.26%
3 Years	2.00%	2.02%	2.00%	2.02%	2.00%	2.02%	1.95%	1.97%
4 Years	2.25%	2.27%	2.25%	2.27%	2.25%	2.27%	2.20%	2.22%
5 Years	2.50%	2.53%	2.50%	2.53%	2.50%	2.53%	2.45%	2.48%

**Earn an additional .10% on any CD with a new checking account with a minimum $500 deposit and direct deposit established within 30 days.

Special Terms
$2,500 minimum opening deposit required

	$2,500-$9,999		$10,000-$49,999		$50,000-$99,999		$100,000+
Term	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY
25 Month	1.50%	1.51%	1.50%	1.51%	1.50%	1.51%	1.45%	1.46%

 

SAVINGS PRODUCTS²

Money Market Accounts Consumer/Business $1,000 minimum opening deposit required Balance   Interest Rate  APY Up to $9,999 0.25% 0.25% $10,000-$49,999 0.50% 0.50% $50,000-$99,999 0.65% 0.65% $100,000+ 0.75% 0.75% Relationship MMKT* $100,000+ 1.00% 1.00%

Tiered Regular Savings Consumer/Business $100 minimum opening deposit required Balance Interest Rate APY Up to $9,999 0.10% 0.10% $10,000+ 0.25% 0.25%

*Availabe to clients with primary checking relationship and new money market deposits to the bank in excess of $100,000

CHECKING ACCOUNTS³

Consumer Elite Checking Balance   Interest Rate  APY All balances 0.25% 0.25%

Business Interest Checking Balance  Interest Rate APY All balances 0.25% 0.25% IOLTA Checking Balance  Interest Rate APY All balances 0.25% 0.25%

APY=Annual Percentage Yield. APYs accurate as of the date of this Deposit Rate Schedule. Fees may reduce earnings.
¹ Penalty may be imposed for early withdrawal.
² Money Market and Tiered Regular Savings accounts are variable rate accounts. Rates subject to change at any time, as frequently as daily. Federal regulation and our deposit account agreement limit the number of withdrawals and/or transfers that may be made from a savings or money market account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your savings or money market account each month by pre-authorized transfer, telephone/PC transfer (including bill payments), and transfers made by check or debit card.
³ Checking and savings accounts are variable rate accounts. Rates subject to change at any time, as frequently as daily. $100 minimum opening deposit required on all checking products. Business Interest Checking is available only to sole proprietors, eligible non-profit entities, state or local governmental entities, and legal entities where one or more of the individuals hold the entire beneficial interest in the funds.