Compare Savings, CDs & Money Market

	BUSINESS MONEY MARKET	BUSINESS SAVINGS	CERTIFICATES OF DEPOSIT⁵
Minimum Opening Deposit	$1,000.00	$1,000.00	$1,000.00
Interest Bearing	Yes	Yes	Yes
Interest Rate	Variable^1, ⁴ Interest compounds and is paid monthly²	Variable^1, ⁴ Interest compounds and is paid quarterly²	Fixed based on Term of CD
Term	N/A	N/A	90 days to 5 years
Minimum Daily Balance to Avoid Monthly Maintenance Fee	$1,000.00	$1,000.00	N/A
Minimum Average Daily Balance to Avoid Monthly Maintenance Fee	$5,000.00	$2,000.00	N/A
Monthly Maintenance Fee if Balance Requirements Not Met	$15.00	$15.00	N/A
Monthly Activity Fees	$10.00/preauthorized transfer including checks over 6 per month	$5.00/preauthorized transfer over 6 per month	N/A
Statements	Monthly	Quarterly	N/A
Online Banking	Yes	Yes	N/A
Bill Pay Service	N/A	N/A	N/A
ATM Card	Yes	Yes	N/A
Debit Card	N/A	N/A	N/A
Other Features and Benefits	No AMB fee for ATM transactions³	No AMB fee for ATM transactions³	N/A
Other Fees and Restrictions	None	None	Substantial Penalty for Early Withdrawal
¹Interest rates are subject to change at the Bank's discretion as often as daily without notice. Fees may reduce earnings. ²If you close your account before interest is credited, you will not receive the accrued interest. ³ A proprietary bank fee may apply unless you use a SUM ATM ⁴ Interest paid varies based on the amount on deposit ⁵ CDs will automatically renew at maturity unless you designate a fixed maturity