Term*	Minimum Deposit**	Interest Rate^	Annual Percentage Yield^^
91 Days	$1,000	0.05%	0.05%
6 Month	$1,000	0.10%	0.10%
9 Month	$1,000	0.15%	0.15%
12 Month	$500	0.20%	0.20%
18 Month	$500	0.25%	0.25%
24 Month	$500	0.30%	0.30%
30 Month	$500	0.40%	0.40%
36 Month	$500	0.60%	0.60%
48 Month	$500	0.70%	0.70%
60 Month	$500	0.80%	0.80%

Term*	Minimum Deposit**	Interest Rate^	Annual Percentage Yield^^
91 Days	$1,000	0.05%	0.05%
6 Month	$1,000	0.10%	0.10%
9 Month	$1,000	0.15%	0.15%
12 Month	$500	0.20%	0.20%
18 Month	$500	0.25%	0.25%
24 Month	$500	0.30%	0.30%
30 Month	$500	0.40%	0.40%
36 Month	$500	0.60%	0.60%
48 Month	$500	0.70%	0.70%
60 Month	$500	0.80%	0.80%

*A penalty may be imposed if there is an early withdrawal from the account.

**Minimum to open and earn Annual Percentage Yield.

^Rate subject to change

^^Assumes that interest will remain on deposit until maturity

Checking and Savings Rates

Rates effective as of 04.16.13

Account Type	Minimum Balance to Open	Minimum Balance to Obtain APY*	Interest Rate**	Annual Percentage Yield
Extreme Checking^	$100	$0 to $10,000 $10,000.01+	1.00% 0.25%	1.00% 0.25%
Golden Checking	$100	$0 to $4.999.99 $5,000 to $24,999.99 $25,000+	0.05% 0.10% 0.15%	0.05% 0.10% 0.15%
VIP Interest Checking^^	$100	$ -	0.10%	0.10%
Premium Interest Checking	$100	$0 to $7,499.99 $7,500 to $24,999.99 $25,000 to $49,999.99 $50,000+	0.05% 0.05% 0.10% 0.10%	0.05% 0.05% 0.10% 0.10%
Health Savings Checking Account	$100	$0 to $500 $500.01 to $999.00 $999.01 to $1,999.00 $1,999.01 to $4,999.00 $4,999.01 to $24,999.00 $24,999.01+	0.05% 0.05% 0.05% 0.05% 0.10% 0.15%	0.05% 0.05% 0.05% 0.05% 0.10% 0.15%
Personal Money Market Savings	$2,000	$2,000 to $9,999.99 $10,000 to $24,999.99 $25,000 to $49,999.99 $50,000 to $99,999.99 $100,000+	0.05% 0.05% 0.10% 0.10% 0.15%	0.05% 0.05% 0.10% 0.10% 0.15%
Preferred Savings	$100^^^	$0 to $4,999.99 $5,000 to $24,999.99 $25,000 to $49,999.99 $50,000 to $99,999.99 $100,000+	0.05% 0.05% 0.10% 0.10% 0.15%	0.05% 0.05% 0.10% 0.10% 0.15%
Premium Savings	$7,500	$7,500 to $24.999.99 $25,000 to $49,999.99 $50,000 to $99,999.99 $100,000+	0.05% 0.10% 0.15% 0.20%	0.05% 0.10% 0.10% 0.15%
Business Interest Checking	$100	$0 to $4,999.99 $5,000 to $24,999.99 $25,000 to $49,999.99 $50,000+	0.05% 0.05% 0.10% 0.10%	0.05% 0.05% 0.10% 0.10%
Business Money Market Savings	$5,000	$5,000 to $9,999.99 $10,000 to $24,999.99 $25,000 to $49,999.99 $50,000+	0.05% 0.05% 0.10% 0.10%	0.05% 0.05% 0.10% 0.10%
Preferred Business Savings	$100	$0 to $4,999.99 $5,000 to $24,999.99 $25,000 to $49,999.99 $50,000+	0.05% 0.05% 0.10% 0.10%	0.05% 0.05% 0.10% 0.10%

* Fees could reduce earning on the account.

** Rates subject to change.

^ Extreme Rate 1.00% Annual Percentage Yield (APY) paid on balances between $0.01 and $10,000, and 0.25% APY paid on all amounts above $10,000 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however, it will not receive ATM fee refunds for that time period. Rates as of April 16, 2013. We may change the interest rate and APY at any time after the account is opened. No minimum balance required; however, you must deposit $100 to open this account. Available to personal accounts only. No monthly service charge.

^^Qualification: Must have direct deposit or automatic payment of any First Security Trust Bank Loan.

^^^ No minimum balance required for minor accounts