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Product
Min. Opening Deposit
Min. Balance to obtain APY*
Int. Rate
APY*

Checking and Savings Accounts
Piedmont Advantage $100 $1,000 0.249% 0.25%
Statement Savings $100 $0.01 0.995% 1.00%
Minor Savings $5 $0.01 0.995% 1.00%
Piedmont Prime Money Market ** $1,000 $1,000 1.620% 1.63%
Piedmont Prime Money Market *** $1,000 $10,000 1.930% 1.95%
Piedmont Prime Money Market **** $1,000 $100,000 2.090% 2.11%
Business Interest Checking $100 $2,500 0.249% 0.25%
Business Statement Savings $500 $0.01 0.995% 1.00%
Business Piedmont Prime Money Market ** $1,000 $1,000 1.620% 1.63%
Business Piedmont Prime Money Market *** $1,000 $10,000 1.930% 1.95%
Business Piedmont Prime Money Market **** $1,000 $100,000 2.090% 2.11%

Certificates of Deposit
3 Months $500
1.238% 1.25%
6 Months $500
1.486% 1.50%
12 Months $500
1.734% 1.75%
18 Months $500
1.884% 1.90%
24 Months $500
2.081% 2.10%
30 Months $500
2.081% 2.10%
36 Months $500
2.081% 2.10%
48 Months $500
2.081% 2.10%
60 Months $500
2.081% 2.10%

IRA Certificates of Deposit
6 Months $500

1.486% 1.50%
12 Months $500

1.734% 1.75%
18 Months $500

1.884% 1.90%
24 Months $500

2.081% 2.10%
30 Months $500

2.081% 2.10%
36 Months $500

2.081% 2.10%
48 Months $500

2.081% 2.10%
60 Months $500

2.081% 2.10%
Rates current as of: 2/11/10

*Annual Percentage Yield

**Rate is 50% of Prime ***Rate is 60% of Prime ****Rate is 65% of Prime
Fees could reduce the earnings on the account.

A penalty will be imposed for early withdrawal of certificates of deposit.

The interest rate and annual percentage yield may change after account opens, but not on certificates of deposit through maturity.

Average Daily Balance - The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.


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