Rates effective as of December 29, 2008

BUSINESS CHECKING ACCOUNTS

Account Type	APY	Interest Rate	Minimum Balance to Earn APY
Business Now Checking	.25	.25	$100
Business Money Market†
Tier 1: $0 - $24,999.99	.25	.25	$0
Tier 2: $25,000 - $99,999.99	.75	.75	$25,000
Tier 3: $100,000 - or greater	2.00	1.98	$100,000

BUSINESS SAVINGS ACCOUNTS

Account Type	APY	Interest Rate	Minimum Balance to Earn APY
Business Select Savings
Tier 1: $0 - $2,500	.00	.00	$0
Tier 2: $2,500 - $24,999	.50	.50	$2,500
Tier 3: $25,000 - or greater	2.50	2.47	$100,000

PERSONAL CHECKING ACCOUNTS

Account Type	APY	Interest Rate	Minimum Balance to Earn APY
Personal Now Checking	.25	.25	$1000
Personal Money Market†
Tier 1: $0 - $24,999.99	.25	.25	$0
Tier 2: $25,000 - $99,999.99	.75	.75	$25,000
Tier 3: $100,000 - or greater	2.00	1.98	$100,000

CERTIFICATES OF DEPOSIT
$500 Minimum (Also applies to Business Certificates of Deposit)

Account Type	APY	Interest Rate
7-31 day	.50	.50
32-90 day	.50	.50
91 day	.50	.50
6 month	2.25	2.23
12 month††	2.75	2.71
18 month	2.50	2.47
24 month††	2.50	2.47
30 month	2.50	2.47
36 month††	2.50	2.47
48 month††	2.50	2.47
60 month††	2.50	2.47

Call (561) 432-2122 for IRA rates
APY = Annual Percentage Yield
*Fees Could Reduce the Earnings on Accounts
Determination of Rate - At our discretion, we may change the interest rate on your account.
**Early Withdrawal Penalties - A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of less than one year but greater than 31 days, the fee we may impose will equal three month’s interest on the amount withdrawn, subject to penalty. If your account has an original maturity of one year or greater, the fee we may impose will equal six month’s interest on the amount withdrawn, subject to penalty.
In certain circumstances such as the death or incompetence of the owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.
†Transaction Limitations - Federal regulation and our deposit agreement limit the number of withdrawals and/or transfers that may be made from a money market account by telephone/PC transfer, pre-authorized transfer, check or debit card.
You are limited to six withdrawals and/or transfers from your money market account each monthly statement cycle by pre-authorized transfer, or telephone/PC transfer (including bill payments).
And, if the account permits transfers by check or debit card, no more than three of the six limited transfers may be by check or debit card.

†† IRA CD available for this term.