Rates*

Effective: January 3, 2005

PERSONAL INTEREST CHECKING ACCOUNTS
Minimum Opening Balance of $100

Tiers Annual Rate APY

All balances $100 or more 0.70% 0.70%

PERSONAL MONEY MARKET ACCOUNTS
Minimum Opening Balance of $500

Tiers Annual Rate APY

Balances $500 to $24,999.99 0.70% 0.70%

$25,000.00 to $49,999.99 0.95% 0.95%

$50,000.00 to $99,999.99 1.50% 1.51%

$100,000.00 or more 2.10% 2.12%

PERSONAL SAVINGS ACCOUNTS
Minimum Opening Balance of $100

Tiers Annual Rate APY

All balances $100 or more 0.70% 0.70%

BUSINESS INTEREST CHECKING ACCOUNTS
Minimum Opening Balance of $1,000

Tiers Annual Rate APY

All balances $1,000 or more 0.70% 0.70%

BUSINESS MONEY MARKET ACCOUNTS
Minimum Opening Balance of $1,000

Tiers Annual Rate APY

Balances $1,000 to $24,999.99 0.70% 0.70%

$25,000.00 to $49,999.99 0.95% 0.95%

$50,000.00 to $99,999.99 1.50% 1.51%

$100,000.00 or more 1.75% 1.76%

BUSINESS SAVINGS ACCOUNTS
Minimum Opening Balance of $1,000

Tiers Annual Rate APY

All balances $1,000 or more 0.70% 0.70%

Effective: March 24, 2005

CERTIFICATE OF DEPOSIT ACCOUNTS¹
Minimum Opening Balance of $1,000

Terms Annual Rate APY

3 Months 2.80% 2.84%

6 Months 3.25% 3.30%

12 Months 3.60% 3.66%

18 Months 3.80% 3.87%

24 Months 4.00% 4.07%

30 Months 4.10% 4.18%

3 Years 4.10% 4.18%

4 Years 4.25% 4.33%

5 Years 4.50% 4.59%

IMPORTANT NOTICES

This Rate page contains information about interest rates and Annual Percentage Yields (APY) for some of the deposit accounts we offer. Principal balance reductions, withdrawal of accrued interest, account fees or penalties will reduce the earnings on the account and may reduce the APY.
¹A penalty may be imposed for early withdrawal.
*RATES AND YIELDS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
For additional information regarding our deposit accounts, please contact one of our Personal Banking Representatives.