RATES

*Dividend Information: Dividends are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends: Dividends will begin to accrue on the business day you deposit non-cash items (ie: checks) to your account. Nature of dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. If you close your account before dividends are paid, you will receive the accrued dividends. Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. These are prospective dividend rates and anticipated APY for the current dividend period and may change at any time without limitations as determined by the Board of Directors.

For these account types, the dividend period is monthly. For example: the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this pattern of dates. The dividend declaration date is the ending date of a dividend period, such as January 31. Rates subject to change including after account opening. Fees may reduce earnings.

**APY: Annual Percentage Yield. Rates subject to change. Fees could reduce the earnings on the dividend bearing accounts. Not available to Sole Proprietorships. TruStone Financial membership required.

Booster Club Checking: Monthly service fee is $0. This account is intended for booster clubs (e.g. academics, arts, athletics) and similar youth club associations. Terms and Conditions apply.

Small Business Checking: Monthly service fee is $0.

Essential Business Checking: Monthly service fee is $5 if average daily balance <$500.

Capital Business Checking: Monthly service fee is $12 if average daily balance <$7,500.

*Dividend Information: Dividends are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends: Dividends will begin to accrue on the business day you deposit non-cash items (ie: checks) to your account. Nature of dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. If you close your account before dividends are paid, you will receive the accrued dividends. Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. These are prospective dividend rates and anticipated APY for the current dividend period and may change at any time without limitations as determined by the Board of Directors.

For these account types, the dividend period is monthly. For example: the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this pattern of dates. The dividend declaration date is the ending date of a dividend period, such as January 31. Rates subject to change including after account opening. Fees may reduce earnings.

**APY: Annual Percentage Yield. Rates subject to change. TruStone Financial membership required.

Business Money Market: Unlimited withdrawals and deposits in person (up to three per month electronically). Write up to three checks against this account each month, free of charge.

*Dividend Information: Dividends are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends: Dividends will begin to accrue on the business day you deposit non-cash items (ie: checks) to your account. Nature of dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. If you close your account before dividends are paid, you will receive the accrued dividends. Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. These are prospective dividend rates and anticipated APY for the current dividend period and may change at any time without limitations as determined by the Board of Directors.

For these account types, the dividend period is monthly. For example: the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this pattern of dates. The dividend declaration date is the ending date of a dividend period, such as January 31. Rates subject to change including after account opening. Fees may reduce earnings.

**APY: Annual Percentage Yield. Rates subject to change. Fees could reduce the earnings on the dividend bearing accounts. TruStone Financial membership required.

Business High-Yield Money Market: There is no fee for the first six withdrawal transactions of each calendar month. A $100 transaction fee will be assessed for each additional withdrawal transaction after the first six during the calendar month. Maximum balance allowed is $30,000,000. Not available to Sole Proprietorships.