Personal Accounts

Account Type	Minimum Opening Deposit	Balance Required for Stated APY	Interest Rate	Annual Percentage Yield	Compounding Method
Personal NOW Checking Account	$100	$500 and Greater	0.10%	0.10%	Monthly
Personal Money Market Account	$1,000	$1,000 to 24,999	0.20%	0.20%	Monthly
		$25,000 to 49,999	0.45%	0.45%	Monthly
		$50,000 to 99,999	0.55%	0.55%	Monthly
		$100,000 to $199,999	0.65%	0.65%	Monthly
		$200,000 and Greater	0.75%	0.75%	Monthly
Personal Savings Account	$100	$100 and Greater	0.15%	0.15%	Quarterly
Personal High Balance Savings Account	$1,000	$1,000 and Greater	0.25%	0.25%	Quarterly
Summit (Senior) Account	$100	$0	0.25%	0.25%	Monthly

* Interest rates are subject to change.
** Fees may reduce earnings on the account.

Business Accounts

Account Type	Minimum Opening Deposit	Balance Required for Stated APY	Interest Rate	Annual Percentage Yield	Compounding Method
Business NOW Checking Account	$100	$500 and Greater	0.10%	0.10%	Monthly
Business Money Market Account	$1,000	$1,000 to 24,999	0.20%	0.20%	Monthly
		$25,000 to 49,999	0.45%	0.45%	Monthly
		$50,000 to 99,999	0.55%	0.55%	Monthly
		$100,000 and $199,999	0.65%	0.65%	Monthly
		$200,000 and Greater	0.75%	0.75%	Monthly
Business Savings Account	$500	$500 and Greater	0.25%	0.25%	Quarterly
Commercial Checking	Earnings Credit Rate: 1.00% -monthly account charge may be offset entirely or in part by the Earnings Credit calculated on the compensating balance adjusted for reserve requirements

* Interest rates are subject to change.
** Fees may reduce earnings on the account.

Certificates of Deposit

Term	Minimum Opening Deposit	Balance Required for Stated APY	Interest Rate	Annual Percentage Yield	Compounding Method
1 Month CD	$1,000	$1,000 and greater	0.15%	0.15%	Maturity
3 Month CD	$1,000	$1,000 and greater	0.30%	0.30%	Maturity
6 Month CD	$1,000	$1,000 and greater	0.45%	0.45%	Maturity
12 Month CD	$1,000	$1,000 and greater	0.65%	0.65%	Quarterly
18 Month CD	$1,000	$1,000 and greater	0.85%	0.85%	Quarterly
24 Month CD	$1,000	$1,000 and greater	1.00%	1.00%	Quarterly

** Fees may reduce earnings on the account.
*** Substantial Penalty for Early Withdrawal on Certificate Accounts.

Individual Retirement Accounts

Term	Minimum Opening Deposit	Balance Required for Stated APY	Interest Rate	Annual Percentage Yield	Compounding Method
12 Month CD	$1,000	$1,000 and greater	0.65%	0.65%	Quarterly
24 Month CD	$1,000	$1,000 and greater	1.00%	1.00%	Quarterly

** Fees may reduce earnings on the account.
*** Substantial Penalty for Early Withdrawal on Certificate Accounts.

Other Terms and Conditions may apply. Please contact one of our personal bankers for complete details.