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Deposit Rate Sheet

Certificates of Deposit
CERTIFICATES < $100,000
Minimum Balance to Open $1,000
TERMRATEAPY
30 days (Simple Interest) 1.40% 1.41%
60 days (Simple Interest) 1.40% 1.41%
90 days (Simple Interest) 1.65% 1.66%
120 days (Simple Interest) 1.65% 1.66%
180 days (Simple Interest) 2.25% 2.26%
One Year (Quarterly) 2.25% 2.27%
Two Years (Quarterly) 2.50% 2.52%
Three Years (Quarterly) 3.00% 3.03%
Four Years (Quarterly) 3.25% 3.29%
Five Years (Quarterly) 3.50% 3.55%
7 Month (Simple Interest) 2.40% 2.41%
13 Month (Quarterly) 3.00% 3.03%

CERTIFICATES $100,000 +
Minimum Balance to Open $100,000
TERMRATEAPY
30 days (Simple Interest) 1.40% 1.41%
60 days (Simple Interest) 1.40% 1.41%
90 days (Simple Interest) 1.65% 1.66%
120 days (Simple Interest) 1.65% 1.66%
180 days (Simple Interest) 2.25% 2.26%
One Year (Simple Interest) 2.25% 2.25%
Two Years (Simple Interest) 2.50% 2.50%
Three Years (Simple Interest) 3.00% 3.00%
Four Years (Simple Interest) 3.25% 3.25%
Five Years (Simple Interest) 3.50% 3.50%
7 Month (Simple Interest) 2.40% 2.41%
13 Month (Simple Interest) 3.00% 3.00%

Individual Retirement Accounts
Minimum Balance to Open $250
TERMRATEAPY
180 days (Quarterly) 2.25% 2.27%
One Year (Quarterly) 2.25% 2.27%
Two Years (Quarterly) 2.50% 2.52%
Three Years (Quarterly) 3.00% 3.03%
Four Years (Quarterly) 3.25% 3.29%
Five Years (Quarterly) 3.50% 3.55%

Regular Savings Account
Minimum Balance to Open $100
RATEAPY
0.65% 0.65%

Money Market Savings
Minimum Balance to Open $250
RATEAPY
Up to $49,999.99 0.90% 0.90%
$50,000 to $99,999.99 1.00% 1.00%
$100,000 to $499,999.99 1.25% 1.26%
$500,000 to $999,999.99 1.50% 1.51%
$1,000,000 and Over 1.75% 1.76%

Interest Checking Account
Minimum Balance to Open $250
RATEAPY
0.40% 0.40%

State Bank Preferred Account
Minimum Balance to Open $10,000
RATEAPY
Up to $49,999.99 1.15% 1.16%
$50,000 to $99,999.99 1.25% 1.26%
$100,000 to $499,999.99 1.50% 1.51%
$500,000 to $999,999.99 1.75% 1.76%
$1,000,000 and Over 2.00% 2.02%



* 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 July 01, 2008.

* 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.