Standard Deposit Rates

Rates effective July 1, 2010

Personal Deposit Accounts

Account	Minimum Deposit to Open	Minimum Balance to Obtain Interest Rate	Annual Percentage Yield (APY)
Free Interest Checking	$100.00	$1,000.00	0.25%
Cornerstone Interest Checking	$1,000.00	$1,000.00 $10,000.00 $15,000.00	0.25% 0.50% 0.75%
Cornerstone Money Market	$2,500.00	$2,500.00 $10,000.00 $25,000.00	0.75% 1.00% 1.10%
Standard Money Market	$1,000.00	$1,000.00 $5,000.00 $10,000.00	0.25% 0.50% 0.75%
Statement Savings	$100.00	None	0.85%
Kids Statement Savings Account	$10.00	None	0.85%
Christmas Club	$10.00	None	0.85%

Free Interest Checking: ATM fee reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply. Interest is compounded and credited monthly.

Cornerstone Interest Checking: ATM fee reimbursement of up to $20 per month. Direct deposit is required or a $10 monthly fee applies. If account is closed within 90 days, a $50 account closing fee will apply. Interest is compounded and credited monthly.

Cornerstone Money Market: ATM fee reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $2,500, a $15 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

Standard Money Market: ATM fee reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $1,000, a $6 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

Statement Savings: ATM fee reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $100, a $1 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

Kids Statement Savings: If Average Ledger Balance for the statement period falls below $10, a $1 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

Christmas Club: If account is closed prior to the issuing of Christmas Club checks, a $15.00 account closing fee will apply. Christmas Club checks are issued in November. Interest is compounded and credited annually.

Personal Certificates of Deposit (CDs)

Term	Minimum Deposit to Open	Annual Percentage Yield (APY)
3 Months	$1,000.00	0.70%
5 Months	$1,000.00	0.90%
6 Months	$1,000.00	1.00%
12 Months	$1,000.00	1.30%
15 Months	$1,000.00	1.50%
18 Months	$1,000.00	1.70%
24 Months	$1,000.00	1.90%
30 Months	$1,000.00	2.00%
36 Months	$1,000.00	2.40%
48 Months	$1,000.00	2.90%
60 Months	$1,000.00	3.00%

*A penalty applies for early withdrawal. Interest is compounded and credited quarterly.

Evergreen Bank Group also offers the CDARS Program, providing FDIC insurance for Certificates of Deposit for up to $50,000,000. Please contact an Executive Banker at your local branch for more information.

Business Deposit Accounts

Account	Minimum Deposit to Open	Minimum Balance to Obtain Interest Rate	Annual Percentage Yield (APY)
Evergreen Business Interest Checking	$100.00	$1,000.000	0.25%
Evergreen Free Business Checking	$100.00	N/A	N/A
Evergreen Commercial Checking	$100.00	N/A	N/A
Evergreen Business Money Market	$2,500.00	$2,500.00 $10,000.00 $25,000.00 $100,000.00	0.50% 0.75% 1.00% 1.25%
Evergreen Business Savings	$100.00	None	0.85%

Evergreen Business Interest Checking: Available for sole proprietorships, nonprofits, and government entities. Must maintain a balance of $1,000 or above or a $5 monthly fee will be assessed. ATM fee reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply. Interest is compounded and credited monthly.

Evergreen Free Business Checking: ATM fee reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply.

Evergreen Commercial Checking: Commercial Account Analysis account with competitive Earnings Credit Rate. Please contact an Executive Banker at your local branch for more details.

Cornerstone Business Money Market: Must maintain a balance of $1,000 or above or a $10 monthly fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per calendar month or statement cycle or a $5.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

Evergreen Business Savings: ATM fee reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $500, a $5 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.