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Current rates effective as of 05/08/2008 
The APY rate based on interest compounding monthly: Private Banking Checking, Interest Checking, Personal & Business Money Market, Elite Interest Checking and Elite Personal Money Market Account. The APY rate based on interest compounding quarterly: Personal & Business Savings and all Certificates of Deposits and IRAs.
ACCOUNT PRODUCT NAME MIN. OPENING DEPOSIT INTEREST RATE APY *
Certificate of Deposit 06 Monthsa $1,000.00 2.52 2.54
Certificate of Deposit 09 Monthsa $1,000.00 2.28 2.30
Certificate of Deposit 12 Monthsa $1,000.00 2.22 2.24
Certificate of Deposit 14 Monthsa $1,000.00 2.28 2.30
Certificate of Deposit 22 Monthsa $1,000.00 2.67 2.70
Certificate of Deposit 24 Monthsa $1,000.00 2.62 2.65
Certificate of Deposit 36 Monthsa $1,000.00 2.97 3.00
Certificate of Deposit 48 Monthsa $1,000.00 3.06 3.10
Certificate of Deposit 60 Monthsa $1,000.00 3.11 3.15
IRA-06 mo CD Fixed Ratea $1,000.00 2.52 2.54
IRA-12 mo CD Fixed Ratea $1,000.00 2.22 2.24
IRA-24 mo CD Fixed Ratea $1,000.00 2.62 2.65
IRA-36 mo CD Fixed Ratea $1,000.00 2.97 3.00
IRA-48 mo CD Fixed Ratea $1,000.00 3.06 3.10
IRA-60 mo CD Fixed Ratea $1,000.00 3.11 3.15
Ct of Deposit-Jumbo 1 Montha $100,000.00 2.15 2.17
Ct of Deposit-Jumbo 2 Monthsa $100,000.00 2.21 2.23
Ct of Deposit-Jumbo 3 Monthsa $100,000.00 2.52 2.54
Ct of Deposit-Jumbo 6 Monthsa $100,000.00 2.52 2.54
Ct of Deposit-Jumbo One Yeara $100,000.00 2.22 2.24
Personal Savingsb $100.00 0.75 0.75c
Interest Checkingb $100.00 0.40 0.40d
Private Banking Checkingb $100.00 0.50 0.50c
Platinum Money Marketb 10,000.00 INTEREST RATE APY*
Daily Balances of:
 up to $9,999.99 0.20 0.20
$10,000.00-$49,999.99 1.70 1.71
$50,000.00-$249,999.99 2.02 2.04
$250,000.00 and up 2.02 2.04
Business Interest Checkingb $100.00 .50 .50e
Business Savings Accountb $100.00 .50 .50d
Elite Interest Checking $100.00 .50 .50
Elite Money Market Account $2,500.00 INTEREST RATE APY*
Daily Balances of:
 up to $9,999.99 0.20 0.20
$10,000.00-$49,999.99 0.50 0.50
$50,000.00-$249,999.99 0.60 0.60
$250,000.00 and up 0.70 0.70
Business Platinum Money Marketb $100.00 INTEREST RATE APY*
Daily Balances of:
 up to $9,999.99 0.20 0.20
$10,000.00-$49,999.99 0.45 0.45
$50,000.00 - $249,999.99 0.65 0.65
$250,000.00 and up 0.85 0.85
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on account.
c) The minimum balance required to obtain the APY is $100.00
d) The minimum balance required to obtain the APY is $1,000.00
e) The minimum balance required to obtain the APY is $5,000.00
* Annual Percentage Yield
For current rate information call (314) 298-8200.