A new alternative to risky stock market investments.

Platinum Passbook Savings provides a safe investment, a good return, and easy access to your money.

• This is a tiered-rate account
• $100,000 minimum balance to open-this tier pays the highest rate
• Balances below $100,000 pay a lesser rate, but interest is paid on all balances
• Three withdrawals per quarter
• Quarterly statements
• Quarterly compounding
• Unlimited deposits
• A great place to hold funds during volatile market fluctuations
• Business or personal accounts welcome
• Fees may reduce earnings on this account
• FDIC insured up to current limits

Truth-in-Savings Disclosure on Deposit Accounts
Account Type: Platinum Passbook

Rate Information
Interest will be paid the rate shown below for the entire balance in the account.
If Account Balance is: LESS THAN $100,000
Interest Rate: .50%
Annual Percentage Yield: .50%

If Account Balance is: $100,000 AND OVER
Interest Rate: 1.49%
Annual Percentage Yield: 1.50%

Annual Percentage Yield is accurate as of 07/01/09. Fees could reduce earnings on the account.

Frequency of Rate Changes
Your interest rate and annual percentage yield may change every QUARTER.

Determination of Rate
Subject to change on the first day of each calendar quarter. Notification of any rate changes will be mailed to depositors via U.S. mail, thirty days prior to change.

Compounding and Crediting Frequency
Interest will be compounded QUARTERLY.
Interest will be credited to your account QUARTERLY.

Effect of closing account
If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements to Open the Account
You must deposit $100,000.00 to open this account.
To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $.01 in the account.

Daily Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account.

Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks).

Fees
You may make three withdrawals per quarter at no charge.
An excess withdrawal fee of $25.00 will be imposed for each withdrawal in excess of three per quarter.
If the account balance falls below $10,000.00 anytime during the quarterly statement cycle, a $25.00 fee will be imposed.