Prime Rate: 4.00%

Checking

Type of Deposit	Balance Levels	Minimum Balance	Effective Date	Interest Rate	Annual Percentage Yield
Personal Interest Checking**		$1,000	10/30/2008	0.90%	0.90%
Royal Crown**		$15,000	10/30/2008	1.35%	1.35%

Savings

Type of Deposit	Balance Levels	Minimum Balance	Effective Date	Interest Rate	Annual Percentage Yield
Personal Savings	$100.00		10/30/2008	1.00%	1.00%
Royal Supreme Savings	$100.00 - $49,000.00	$100.00	10/30/2008	1.00%	1.00%
	$50,000.00 and over	$50,000.00	10/30/2008	2.60%	2.63%
Commercial Savings			10/30/2008	0.65%	0.65%

NOW

Type of Deposit	Balance Levels	Minimum Balance	Effective Date	Interest Rate	Annual Percentage Yield
Personal Super NOW**	$1,000 - $2,499	$1,000.00	10/30/2008	0.00%	0.00%
	$2,500 - $9,999	$2,500.00	10/30/2008	0.00%	0.00%
	$10,000 - $24,999	$10,000.00	10/30/2008	0.00%	0.00%
	$25,000 - $49,999	$25,000.00	10/30/2008	0.00%	0.00%
	$50,000 - $99,999	$50,000.00	10/30/2008	0.00%	0.00%
	$100,000 and over	$100,000.00	10/30/2008	1.98%	2.00%

Money Market

Type of Deposit	Balance Levels	Minimum Balance	Effective Date	Interest Rate	Annual Percentage Yield
Ultimate Money Market**	$1,000 - $24,999	$1,000.00	10/30/2008	1.24%	1.25%
	$25,000 - $74,999	$25,000.00	10/30/2008	1.34%	1.35%
	$75,000 & above	$75,000.00	10/30/2008	1.54%	1.55%
Personal Money Market**	$1,000 - $2,499	$1,000.00	10/30/2008	.15%	.15%
	$2,500 - $9,999	$2,500.00	10/30/2008	.20%	.20%
	$10,000 - $24,999	$10,000.00	10/30/2008	1.25%	1.25%
	$25,000 - $49,999	$25,000.00	10/30/2008	1.29%	1.30%
	$50,000 - $99,999	$50,000.00	10/30/2008	1.49%	1.50%
Commercial Money Market**	$1,000 - $2,499	$1,000.00	10/30/2008	.15%	.15%
	$2,500 - $9,999	$2,500.00	10/30/2008	.20%	.20%
	$10,000 - $24,999	$10,000.00	10/30/2008	1.25%	1.25%
	$25,000 - $49,999	$25,000.00	10/30/2008	1.29%	1.30%
	$50,000 - $99,999	$50,000.00	10/30/2008	1.49%	1.50%

CDs & IRAs

Type of Deposit	Balance Levels	Minimum Balance	Effective Date	Interest Rate	Annual Percentage Yield
3 Month*	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	2.58%	2.60%
6 Month*	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.06%	3.10%
9 Month*	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.45%	3.50%
12 Month*	$1,000.00 - $250,000.00	$1,000.00	10/30/2008	3.45%	3.50%
18 Month	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.70%	3.75%
24 Month	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.70%	3.75%
36 Months	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.70%	3.75%
48 Months	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.70%	3.75%
60 Months	$1,000.00 - $100,000.00	$1,000.00	10/30/2008	3.70%	3.75%
Specials:
Triple Crown 24 month	$1,000.00 - $100,000.00	$1,000.00	10/31/2008	2.38%	2.40%
9* Month Special	$1,000 - $250,000.00	$1,000.00	10/30/2008	3.46%	3.50%

*Add on provisions allowed on these products.  Minimum to add is $500.00.  Maximum cap on the CD $100,000

**Rate may change after the account is opened.