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CHECKING & SAVINGS RATES
Interest Rate APY
Savings Accounts
Regular Savings Account 0.50% 0.50%
Kidz Club Savings Account 0.50% 0.50%
NOW Accounts
Daily Balance to Obtain APY
$0 - $999 0.00% 0.00%
$1,000 and above 0.50% 0.50%
Notes:
APY=Annual Percentage Yield
$25 minimum deposit to open Kidz Club savings
$50 minimum deposit to open other accounts listed above
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 11/13/2009

MONEY MARKET CHECKING ACCOUNTS
Advantage Investment Account
Daily Balance to Obtain APY Interest Rate APY
Less than $10,000 0.30% 0.30%
$10,000 - $19,999 0.35% 0.35%
$20,000 - $29,999 0.40% 0.40%
$30,000 - $249,999 1.00% 1.00%
$250,000 and above 1.20% 1.21%
Notes:
APY=Annual Percentage Yield
$50 minimum deposit to open
Fees may reduce earnings on the account
Rate may change after account opens
Rates and APY as of 11/13/2009
 
Platinum Advantage Investment Account
Daily Balance to Obtain APY
Interest Rate APY
Less than $20,000 0.35% 0.35%
$20,000 - $49,999 0.48% 0.48%
$50,000 - $74,999 0.68% 0.68%
$75,000 - $149,999 0.95% 0.95%
$150,000 - $249,999 1.14% 1.15%
$250,000 and above 1.27% 1.28%
Notes:
APY=Annual Percentage Yield
Fees may reduce earnings on the account
Rate may change after account opens
$5000 minimum deposit to open
Rates and APY as of 11/13/2009

CERTIFICATES OF DEPOSIT & INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
  Interest Rate APY
Certificates of Deposit ($25,000 or above)
1 Month CD 0.40% 0.40%
3 Month CD 0.60% 0.60%
6 Month CD 0.80% 0.80%
1 Year CD 1.15% 1.16%
3 Year CD 2.50% 2.52%
5 Year CD 3.00% 3.03%
Notes:
APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
$1000 minimum deposit to open
IRAs may only be opened for terms of 1 year or more.
Rates and APY as of 11/13/2009
Must maintain a minimum balance of $1000 to obtain the disclosed APY

ADVANTAGE CD
Interest Rate APY
7 Month
Under $25,000 0.90% 0.90%
$25,000 to $99,999 1.05% 1.05%
14 Month
Under $25,000 1.07% 1.07%
$25,000 to $99,999 1.28% 1.29%
19 Month
Under $25,000 1.30% 1.31%
$25,000 to $99,999 1.45% 1.46%
25 Month
Under $25,000 1.85% 1.86%
$25,000 to $99,999 1.98% 1.99%
61 Month    
Under $25,000 2.85% 2.88%
$25,000 to $99,999 3.00% 3.03%
Notes:
APY=Annual Percentage Yield
A penalty will be imposed for early withdrawal
$1000 minimum balance to open
Rates and APY Yield as of 11/13/2009 for residents of East Texas
Must maintain a minimum balance of $1000 to obtain the disclosed APY