Valley Bank of Commerce - Rates

CDs $1,000 and up Date of Rate Change: 4/30/08
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	1.30	1.31
1 Year	1.80	1.81
18 Months	2.00	2.02
24 Months	2.00	2.02
30 Months	2.00	2.02
36 Months	2.00	2.02
48 Months	3.30	3.34
60 Months	3.40	3.44
Cds - IRA's	Interest Rate	Annual Percentage Yield
1 Year	1.80	1.82
2 Years	2.10	2.12
5 Years	3.40	3.46
1 Year Variable	1.50	1.51
Regular Checking Account - $500 opening deposit required
Now Account *balance required to obtain APY is $.01; $2,500 required to open	0.15	0.15
IMMA: Under 25,000 *balance required to obtain APY is $.01; $2,500 required to open	.25	.25
IMMA: 25,000 to 99,999 *balance required to obtain APY is $25,000; $2,500 required to open	.85	.85
IMMA: Over 100,000 to 249,999 *balance required to obtain APY is $100,000; $2,500 required to open	1.40	1.41
IMMA: Over 250,000 *balance required to obtain APY is $250,000; $2,500 required to open	1.90	1.92
Savings *balance required to obtain APY is $.01; $200 required to open	.50	.50
Jumbo SuperNow *balance required to obtain APY is $100,000; $100,000 required to open	.50	.50
The above listed accounts are variable rate accounts. Interest rate and APY may change after the account is opened.