Special Offers | Special Rates |

Rates Effective
February 4, 2008

Special Offers

LOOKING FOR A GREAT RATE ON AN ACCOUNT THAT’S EASILY ACCESSIBLE. WE’VE GOT A MMDA ACCOUNT INTEREST RATE THAT’S VERY COMPETITIVE.
CHECK OUT THIS SPECIAL OFFER!

                    MONEY MARKET DEPOSIT ACCOUNT


*A minimum deposit of $10,000 is required to open the account, obtain the disclosed annual percentage yield and avoid a $10.00 minimum balance fee.
*Withdrawals are subject to a limitation of three-preauthorized or automatic transfers made by check, draft or similar device drawn by the depositor to a third party. If fewer that three third-party drafts are written in a month, three (3) preauthorized or automatic drafts may be allowed. Telephone transfers from a MMDA to another account of the same depositor are restricted to the three transactions per month limitation.
*A $5.00 fee will be charged if more than six (6) preauthorized or automatic transfers are made by check, draft or similar device to a third party.
*There are no deposit limitations.
*Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time.
*We use the Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
*Interest is computed as daily simple (365/365) and distributed monthly on the statement drop date.
*Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (example, checks). Refer to the “Reg CC, Availability of Deposits” disclosure for details.

                                TOP NOTCH CD RATES
                      FROM THE PINNACLE OF BANKING SERVICES

Invest now and earn a very competitive interest rate on a sound, secure investment.

A minimum deposit of $10,000 is required to open the account, obtain the disclosed annual percentage yield and to keep the account open. The FDIC insures each depositor to $100,000.

Annual percentage yields listed below are accurate as of this date and subject to change without notice.

Interest is computed as daily simple (365/365) and paid at maturity for terms less than one (1) year and annually and at maturity for terms greater than one (1) year. Interest accrues from the day of deposit through the day of withdrawal.

We use the Daily Balance Method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day.

After the account is opened, you may not make deposits into the account until the maturity date. Withdrawals from the principal are permitted but are subject to early withdrawal penalties.

If any of the principal deposit is withdrawn before the maturity date, a penalty as shown below will be imposed.

3 – Month CD…All Interest
6 – Month CD…30 Days Interest
1 Year or Greater…90 Days Interests
Negotiated Rate…< 6 MTHS - 90 Days Interest
                        > 6 MTHS - 180 Days Interest

The early withdrawal penalty is imposed regardless of the length of time the funds withdrawn have remained in the account and whether the interest has been earned or not and could result in a loss of principal. The penalty prescribed herein will not be imposed for withdrawal of principal following the death or adjudication of incompetence of any accountholder. You will have seven (7) calendar days after maturity date to withdraw funds without a penalty.

This account will be automatically renewed at maturity unless (a) withdrawn within seven (7) calendar days after the maturity date or (b) thirty days prior to the maturity date, we provide to you a written notice that the account will be renewed at a change in terms. A new Certificate Account Disclosure of Interest, Fees and Account Terms will be provided at such time. This account is not transferable except on the books of Pinnacle Bank.

Special Rates