Valley Bank of Commerce - Rates

CDs $1,000 and up Date of Rate Change: 01/12/10
Cds - Regular balance required to obtain APY for all Cds is $1,000 we may impose a penalty for early withdrawal	Interest Rate	Annual Percentage Yield
90-179 Days	1.00	1.00
180-364 Days	1.15	1.15
1 Year	1.35	1.36
18 Months	1.45	1.46
24 Months	1.75	1.76
30 Months	1.85	1.86
36 Months	1.85	1.86
48 Months	2.15	2.17
60 Months	2.75	2.78
Cds - IRA's	Interest Rate	Annual Percentage Yield
1 Year	1.35	1.36
2 Years	1.75	1.77
5 Years	2.75	2.79
1 Year Variable	1.35	1.36
Regular Checking Account - $500 opening deposit required
Now Account *balance required to obtain APY is $.01; $2,500 required to open	0.10	0.10
IMMA: Under 25,000 *balance required to obtain APY is $.01; $2,500 required to open	0.25	0.25
IMMA: 25,000 to 99,999 *balance required to obtain APY is $25,000; $2,500 required to open	0.35	0.35
IMMA: Over 100,000 to 249,999 *balance required to obtain APY is $100,000; $2,500 required to open	0.50	0.50
IMMA: Over 250,000 *balance required to obtain APY is $250,000; $2,500 required to open	0.75	0.75
Savings *balance required to obtain APY is $.01; $200 required to open	0.50	0.50
Jumbo SuperNow *balance required to obtain APY is $100,000; $100,000 required to open	0.20	0.20
The above listed accounts are variable rate accounts. Interest rate and APY may change after the account is opened.