Rewards Checking

Balance	Interest Rate	APY*
$0.01 to $24,999.99**	1.99%	2.01%
$25,000 to 9,999,999.99**	0.50%	0.50%
Entire balance if qualifications are not met**	0.10%	0.10%

**Minimum to open account is $100. *Annual Percentage Yield (APY) accurate as of December 27, 2011. Rate tiers are as follows: 2.01%APY applies to balances of $0.01 – 24,999.99 and 0.50% APY applies to balances over $25,000.00 if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.01% APY - 0.50% APY if monthly qualifications are met. Aggregate balance of $25,000 or more will have a blended interest rate on the monthly statement. Available to personal accounts only. Only one Rewards Checking Account per customer. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM fee reimbursements provided only if the qualifications are met within the monthly qualification cycle. Please contact a Personal Banker for additional information on this account.

Checking

Account	Interest Rate	APY*
Low Minimum Interest Checking	0.10%	0.10%
VIP Interest Checking	0.10%	0.10%
50+ Interest Checking	0.10%	0.10%
Wall Street Checking - deposits of $0.01-$2499	0.10%	0.10%
Wall Street Checking - deposits $2500 or more	0.85%	0.85%
Business Interest Checking	0.10%	0.10%

*Annual Percentage Yield

The interest rate on the checking accounts can change at anytime. Click on the account name above for more details, including minimum opening deposit.

Savings

Account	Interest Rate	APY*
Statement Savings	0.25%	0.25%
Premier Money Management	0.00%	0.00%

*Annual Percentage Yield

The savings account interest rate can change at anytime. Click on the account name above for more details, including minimum opening deposit.

Money Market (Business and Personal)

Balance	Interest Rate	APY*
$0.01 to $24,999	0.25%	0.25%
$25,000 to $49,999	0.45%	0.45%
$50,000 and above	0.65%	0.65%

*Annual Percentage Yield

The money market interest rate can change at anytime and does have limited withdrawals. Minimum opening deposit is $100.00. Click on the account name above for more details, including minimum opening deposit.

Certificates of Deposit (Minimum Deposit Requirement = $500) ¹

Type	Interest Rate	APY*
30 Days	0.15%	0.15%
90 Days	0.20%	0.20%
6 Months	0.25%	0.25%
1 Year	0.25%	0.25%
2 Years	0.55%	0.55%
3 Years	0.80%	0.80%
4 Years	1.00%	1.00%

*Annual Percentage Yield

Rate Watcher CDs (Minimum Deposit Requirement = $5,000) ¹ ²

Type	Interest Rate	APY*
15 Months	0.40%	0.40%
27 Months	0.65%	0.65%

*Annual Percentage Yield

Emerald Club CDs Only (Minimum Deposit Requirement = $500) ¹ ³

Type	Interest Rate	APY*
30 Days	0.40%	0.40%
90 Days	0.45%	0.45%
6 Months	0.50%	0.50%
1 Year	0.50%	0.50%
2 Years	0.80%	0.80%
3 Years	1.05%	1.05%
4 Years	1.24%	1.24%

*Annual Percentage Yield

Emerald Club Rate Watcher CDs (Minimum Deposit Requirement = $5,000) ¹ ² ³

Type	Interest Rate	APY*
15 Months	0.65%	0.65%
27 Months	0.90%	0.90%

*Annual Percentage Yield

	$25,000 - $49,999		$50,000 - $99,999		$100,000 +
Type	Rate	Yield	Rate	Yield	Rate	Yield
4 Weeks	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
13 Weeks	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
26 Weeks	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
52 Weeks	0.00%	0.00%	0.00%	0.00%	0.05%	0.05%
2 Years	0.00%	0.00%	0.13%	0.13%	0.28%	0.28%
3 Years	0.05%	0.05%	0.30%	0.30%	0.45%	0.45%
5 Years	0.80%	0.80%	1.05%	1.06%	1.20%	1.21%

*Annual Percentage Yield

¹ Substantial early withdrawal penalties may apply to all certificates of deposit including IRAs. All CDs & IRAs that have interest added to principal, compound quarterly. IRAs are only available in 1-4 year terms. Fees may reduce earnings.

² If our interest rates go up on the Rate Watcher during the term, you are allowed one interest rate increase during the same term. You must notify the Bank to request the interest rate increase. Fees may reduce earnings.

³ To qualify for Emerald Club CD rates, click here to see features, benefits, and requirements.

⁴ Ask about CDARS (Certificate of Deposit Account Registry Service) for weekly Rate and Annual Percentage Yield quotes ($25,000 minimum) — up to $50 million FDIC insurance with CDARS. Rates effective December 7, 2011.
Fees may reduce earnings.