 | PRODUCT |  | RATE |  | APY |
 |  |
 | SIGNATURE SAVINGS PLUS* (Statement or Passbook) new money only | Effective 10/10/08 |
 | Average Daily Balance $0 - $2499.00 |  | 0.25% | | 0.25% |
 | Average Daily Balance $2,500 + |  | 1.00% | | 1.00% |
 |  |
 | Superior Checking*
| Effective 10/10/08 |
 | No-charge checking for individuals and sole proprietors ($2500 Minimum daily balance required) |  | 1.00% | | 1.00% |
 |  |
 | Interest Checking*
|  | | | |
 | (Minimum Balance $500) |  | .25% | | .25% |
 |  |
 | Senior Checking
|  | | | |
 | (No Minimum Balance) |  | .50% | | .50% |
 |  |
 | Money Market* |  | | | |
 | (Minimum balance required to earn APY) | |
| APPLE COUNTRY: $2500 minimum* (must open new checking acct with $500 minimum) | Effective 10/10/08 |
| Average Balance < $2,499 |  | .50% | | .50% |
| Average Balance > $2,500 |  | 2.03% | | 2.05% |
| If linked to direct deposit checking account |  | NA | | NA |
 |  |
| | Effective 10/10/08 |
 | PLATINUM+: $50,000+ minimum (new money)* |  | 1.98% | | 2.00% |
 | Average Balance from $35,000 - $49,999 |  | 1.49% | | 1.50% |
 | Average Balance up to $24,999 |  | .80% | | .80% |
 |  |
 | Promotional CD** | |
|
| |
|
|  | | | |
 |  |
 | CERTIFICATES OF DEPOSIT** (Minimum Balance $500) | Effective 10/10/08 |
 | 6 Months |  | 2.23% | | 2.25% |
 | 12 Months |  | 2.72% | | 2.75% |
 | 36+ Months |  | 3.16% | | 3.20% |
 |  |