Deposit Interest Rates

Checking Accounts
Account Type	Balance Requirement to Obtain APY	Interest Rate	Annual Percentage Yield	Balance Requirement to Avoid Service Charges	Monthly Service Charge
Regular Checking - Personal	None	N/A	N/A	None	None
Interest Checking - Personal and Sole Proprietorships	Daily balance $1,000 +	.15%	.15%	Average balance $1,000	$10
Platinum Rewards Checking - Personal	Daily Balance up to $50,000	3.4547%	3.51%	None	None
	Daily balance above $50,000	1.0356	1.04%	None	None
	Qualifications not met during cycle; all balances	0.10%	0.10%	None	None
Platinum Checking - Personal	Daily Balance $5,000 +	Tiered	N/A	Combined deposit accounts avg. $25,000	$5
	$5,000 - $24,999	.15%	.15%
	$25,000 - $49,999	.35%	.35%
	$50,000 - $99,999	.60%	.60%
	$100,000 and Over	.90%	.90%
Platinum 50 Checking - Age 50 or more - Personal	None	N/A	N/A	N/A	N/A
Free Business Checking**	N/A	N/A	N/A	N/A - activity limits
Commercial Checking	N/A	N/A	N/A	Activity and balances are analyzed
Rates effective as of March 10, 2010 Interest eligibilty qualifications during each statement cycle: 1) Make 10 debit card point of sale transactions 2) Receive your monthly statement electronically 3) Set up one direct deposit or auto debit 4) Access NetTeller online banking at least once *Limited activity - 1,000 total transactions including checks paid, deposits, deposited items. Rates are subject to change after the account is opened. Fees may reduce earnings on interest bearing accounts.

Savings Accounts
Account Type	Balance Requirements To Obtain APY	Interest Rate	Annual Percentage Yield	Balance Requirements To Avoid Service Charges	Service Charge
Treehouse Savings Club - Age 6-18	$5 - $500	2.50%	2.53%	none; $5 to open	N/A
	Over $500	.35%	.35%	none	N/A
Premium Savings	Up to $9,999	.35%	.35%	Quarterly average $100	$10/qtr.
	$10,000 - $24,999	.45%	.45%	Quarterly average $100	$10/qtr.
	$25,000 - $49,999	.70%	.70%	Quarterly average $100	$10/qtr.
	$50,000 and Over	.90%	.90%	Quarterly average $100	$10/qtr.
Platinum Money Market***	$0 - $24,999	.15%	.15%	Monthly average $10,000	$10/mo.
	$25,000 - $49,999	.35%	.35%	Monthly average $10,000	$10/mo.
	$50,000 - $149,999	.60%	.60%	Monthly average $10,000	$10/mo.
	$150,000 - $249,999	.85%	.85%	Monthly average $10,000	$10/mo.
	$250,000 and over	1.00%	1.00%	Monthly average $10,000	$10/mo.
Money Market Savings Plus***	$1,000 - $24,999	.25%	.25%	Monthly average $1,000	$10/mo.
	$25,000 - $49,999	.45%	.45%	Monthly average $1,000	$10/mo.
	$50,000 - $99,999	.70%	.70%	Monthly average $1,000	$10/mo.
	$100,000 and Over	1.00%	1.00%	Monthly average $1,000	$10/mo.
Regular Savings	Balance $10	.35%	.35%	Quarterly average $100	$10/qtr.
Christmas Club Savings	Open until maturity	.35%	.35%	Forfeit interest if cashed prior to maturity	N/A
Rates effective as of March 10, 2010 ***Limited check writing. Rates are subject to change after the account is opened. Fees may reduce earnings on the account.

Certificates of Deposit * Special CD Offers - Check Them Out *
Term	Minimum Deposit	Interest Rate	Annual Percentage Yield
6 Month	$1,000	.70%	.70%
12 Month	$1,000	1.15%	1.15%
18 Month*	$1,000	1.50%	1.51%
24 Month	$1,000	1.75%	1.76%
30 Month	$1,000	2.10%	2.12%
36 Month	$1,000	2.25%	2.27%
48 Month	$1,000	2.80%	2.83%
60 Month	$1,000	2.90%	2.93%
Rates effective as of March 10, 2010 Penalty for early withdrawal. *One penalty-free withdrawal allowed after 6 months