Rates

Rates are effective as of August 31, 2010.

Reward Checking

Balance	Interest Rate	APY*
0 - $25,000	3.93%	4.01%
Over $25,000	1.00%	1.01%
Non-Qualified Base Rate	0.05%	0.05%

* Annual Percentage Yield
Rates may change after account is opened
Fees may reduce earnings

Transaction Accounts

Product	Minimum Required Opening Deposit	Interest Rate	APY*
Primary Plus (NOW)	$100	0.05%	0.05%
ECB Best Plus	$100	0.05%	0.05%
ECB Best 50 Plus	$100	0.05%	0.05%
Public Insured Funds Management Checking	$2,500	0.35%	0.35%
Public Insured Funds Management Money Market Checking	Less than $10,000	0.05%	0.05%
	$10,000	0.10%	0.10%
	$50,000	0.25%	0.25%
	$1,000,000	0.50%	0.50%
Elite Prosperity	Less than $5,000	0.15%	0.15%
	$5,000	0.25%	0.25%
	$50,000	0.75%	0.75%
	$100,000	1.00%	1.01%
	$250,000	1.25%	1.26%
ECB Money Plus	$1,000	0.15%	0.15%
Executive Money Management	Less than $10,000	0.05%	0.05%
	$10,000	0.25%	0.25%
	$50,000	0.75%	0.75%
	$100,000	1.00%	1.01%
	$1,000,000	2.00%	2.02%
Business Money Management	Less than $10,000	0.10%	0.10%
	$10,000	0.25%	0.25%
	$50,000	0.75%	0.75%
	$1,000,000	1.00%	1.01%
Statement Savings	$100	0.25%	0.25%

* Annual Percentage Yield
Rates may change after account is opened
Fees may reduce earnings

Individual Retirement Accounts

Term	Minimum Required Opening Deposit	Interest Rate	APY*
12 Months	$500	1.24%	1.25%
18 Months	$500	1.34%	1.35%
30 Months	$500	1.83%	1.85%
No Maturity - Variable Rate	$5	0.50%	0.50%

* Annual Percentage Yield
Rates may change after account is opened
Fees may reduce earnings

Certificates

Term	Minimum Required Opening Deposit	Interest Rate	APY*
7 Day	$2,500-4,999	0.15%	0.15%
	$5,000-19,999	0.25%	0.25%
	$20,000-49,999	0.35%	0.35%
	$50,000 and over	0.45%	0.45%
8-90 Days	$500	0.25%	0.25%
91-181 Days	$1,000	0.35%	0.35%
182-364 Days	$1,000	0.65%	0.65%
12 Months	$1,000	1.04%	1.05%
18 Months	$1,000	1.24%	1.25%
24 Months	$1,000	1.49%	1.50%
30 Months	$1,000	1.69%	1.70%
36 Months	$2,500	2.22%	2.25%
48 Months	$2,500	2.47%	2.50%
60 Months	$2,500	2.96%	3.00%

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

If your account has an original maturity of 7 days:

We may impose a penalty of all interest.

If your account has an original maturity of 8-31 days:

We may impose a penalty of all interest that could have been earned during the term.

If your account has an original maturity of 32 days to 12 months:

The fee we may impose will equal one months interest on the amount withdrawn subject to penalty.

If your account has an original maturity of more than 12 months:

The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

See your plan disclosure if this account is part of an IRA or other tax qualified plan.

* Annual Percentage Yield
Rates may change after account is opened
Fees may reduce earnings

Jumbo Certificates

Term	Minimum Required Opening Deposit	Interest Rate	APY*
7-13 days	$100,000	0.50%	0.50%
14-29 Days	$100,000	0.50%	0.50%
30-59 Days	$100,000	0.55%	0.55%
60-89 Days	$100,000	0.55%	0.55%
90-119 Days	$100,000	0.65%	0.65%
120-149 Days	$100,000	0.65%	0.65%
150-179 Days	$100,000	0.75%	0.75%
180-209 Days	$100,000	0.90%	0.90%
210-269 Days	$100,000	0.90%	0.90%
270-364 Days	$100,000	1.00%	1.00%
1 Year	$100,000	1.10%	1.10%