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Deposit Rate Sheet

Certificates of Deposit
CERTIFICATES < $100,000
Minimum Balance to Open $1,000
TERMRATEAPY
30 days (Simple Interest) 0.25% 0.25%
60 days (Simple Interest) 0.25% 0.25%
90 days (Simple Interest) 0.30% 0.30%
120 days (Simple Interest) 0.30% 0.30%
180 days (Simple Interest) 0.50% 0.50%
One Year (Quarterly) 0.60% 0.60%
Two Years (Quarterly) 1.25% 1.26%
Three Years (Quarterly) 1.50% 1.51%
Four Years (Quarterly) 1.75% 1.76%
Five Years (Quarterly) 2.00% 2.02%
7 Month (Simple Interest) 0.55% 0.55%
13 Month (Quarterly) 0.75% 0.75%

CERTIFICATES $100,000 +
Minimum Balance to Open $100,000
TERMRATEAPY
30 days (Simple Interest) 0.25% 0.25%
60 days (Simple Interest) 0.25% 0.25%
90 days (Simple Interest) 0.30% 0.30%
120 days (Simple Interest) 0.30% 0.30%
180 days (Simple Interest) 0.50% 0.50%
One Year (Simple Interest) 0.60% 0.60%
Two Years (Simple Interest) 1.25% 1.25%
Three Years (Simple Interest) 1.50% 1.50%
Four Years (Simple Interest) 1.75% 1.75%
Five Years (Simple Interest) 2.00% 2.00%
7 Month (Simple Interest) 0.55% 0.55%
13 Month (Simple Interest) 0.75% 0.75%

Individual Retirement Accounts
Minimum Balance to Open $250
TERMRATEAPY
180 days (Quarterly) 0.50% 0.50%
One Year (Quarterly) 0.60% 0.60%
Two Years (Quarterly) 1.25% 1.26%
Three Years (Quarterly) 1.50% 1.51%
Four Years (Quarterly) 1.75% 1.76%
Five Years (Quarterly) 2.00% 2.02%

Regular Savings Account
Minimum Balance to Open $100
RATEAPY
0.20% 0.20%

Money Market Savings
Minimum Balance to Open $250
RATEAPY
Up to $49,999.99 0.40% 0.40%
$50,000 to $99,999.99 0.50% 0.50%
$100,000 to $499,999.99 0.75% 0.75%
$500,000 to $999,999.99 1.00% 1.00%
$1,000,000 and Over 1.25% 1.26%

Interest Checking Account
Minimum Balance to Open $250
RATEAPY
0.10% 0.10%

State Bank Preferred Account
Minimum Balance to Open $10,000
RATEAPY
Up to $49,999.99 0.40% 0.40%
$50,000 to $99,999.99 0.75% 0.75%
$100,000 to $499,999.99 1.00% 1.00%
$500,000 to $999,999.99 1.25% 1.26%
$1,000,000 and Over 1.50% 1.51%



* All rates are subject to change daily with the exception of the Regular Savings and Interest Checking which require a 30 day notification to all account owners.

* The abbreviation APY is for Annual Percentage Yield.

* The Annual Percentage Yield is accurate as of February 26, 2010.

* A service charge or fees could reduce the earnings on the account.

* For time deposit accounts a penalty will or may be imposed for early withdrawal.