Personal Banking: Rates

Consumer Deposit Rates Effective:

Checking Accounts Annual Percentage Yield Interest Checking & 50+ Interest Checking 0.07% Community Checking Annual Percentage Yield $15,000.00 – $24,999.99 0.50% $25,000.00 & Over 0.87% CommunitySouth@Work and CommunitySouth in Uniform Annual Percentage Yield $0 - 9,999.99 0.15% $10,000 - $24,999.99 0.50% $25,000.00 & Over 0.87% Savings Accounts Annual Percentage Yield Personal Savings 0.30% Minor Savings 0.30% Cookie Jar Savings 0.30% Health Savings Account 0.20% Savings IRA 0.20% Money Market Accounts Annual Percentage Yield $1,000.00 – $9,999.99 0.53% $10,000.00 – $24,999.99 0.73% $25,000.00 & Over 1.07% CD Specials Annual Percentage Yield 36 Month Inflation Protection CD Special - Features one-time free withdrawal after 12 months and a one-time interest rate increase option 2.30%* 60 Month Inflation Protection CD Special - Features one-time free withdrawal after 18 months and a one-time interest rate increase option 2.80% * Certificates & IRA Certificates Annual Percentage Yield 1 Month 0.97% 3 Months 1.11% 6 Months 1.30% 12 Months 1.57% 18 Months 1.80% 24 Months 2.03% 36 Months 2.30% 48 Months 2.57% 60 Months 2.80%

The interest rates and annual percentage yields quoted are accurate as of the date posted above. Current rates are available by calling your local branch. Refer to our Truth in Savings Disclosure, which is part of our Customer Agreements, concerning the fees and terms applicable to deposit accounts. Rates are subject to change without notice.

* Annual percentage yields are as of 2/7/10, these rates may change without prior notice. Minimum of $500 per CD and maximum of $90,000 per CD.