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	Customer Service Center
	Tel: 404-215-6700 Option 8 Toll Free: 1-866-758-6395 561 West Whitehall Atlanta, GA. 30310 Hours: Mon.-Thurs.: 9am – 4pm Fri.: 9am – 5pm, Closed: Sat. & Sun.

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Current Rates

Rates current as of May 20, 2013.

Consumer Checking & Savings - b)d	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
NOW Checking Account	750.00
$1.00 - $749.99		1.00	.25	.25
$750.00 & over		750.00	.25	.25
Super NOW Account	1,000.00
$1.00 - $2,499.99		1.00	.25	.25
$2,500.00 & over		2,500.00	.25	.25
Money Market Account	1,000.00
$1.00 - $998.99		1.00	.25	.25
$999.99 - $4,999.99		999.99	.25	.25
$5,000 - 99,999.99		5,000.00	.25	.25
$100,000.00 & over		100,000.00	.25	.25
Starter Savings Account	25.00		.25	.25
Regular Savings Account	100.00		.25	.25
Christmas Club Account	25.00		.25	.25

Business Checking & Savings	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
Money Market Account	1,000.00
$1.00 - $998.99		1.00	.25	.25
$999.99 - $4,999.99		999.99	.25	.25
$5,000 - 99,999.99		5,000.00	.25	.25
$100,000.00 & over		100,000.00	.25	.25
Regular Savings Account	100.00		.25	.25

Individual Retirement Accounts - a)	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
30 Day IRA	500.00	500.00	.25	.25
60 Day IRA	500.00	500.00	.25	.25
90 Day IRA	500.00	500.00	.25	.25
6 Month IRA	500.00	500.00	.25	.25
12 Month IRA	500.00	500.00	.50	.50
24 Month IRA	500.00	500.00	.75	.75
36 Month IRA	500.00	500.00	.90	.90
48 Month IRA	500.00	500.00	.95	.95
60 Month & Over IRA	500.00	500.00	1.10	1.11

Certificates of Deposit - a)	Min. Opening Depositb>	Min. Balance to Earn Interest	Interest Rate	AnAnnual Percentage Yield
7 - 31 Day CD	500.00	500.00	.25	.25
90 Day CD	500.00	500.00	.30	.30
6 Month CD	500.00	500.00	.50	.50
12 Month CD	500.00	500.00	.60	.60
24 Month CD	500.00	500.00	.75	.75
36 Month CD	500.00	500.00	.90	.90
48 Month CD	500.00	500.00	1.06	1.06
60 Month CD	500.00	500.00	1.18	1.19

Jumbo Certificates of Deposit - a)	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
7 - 31 Day CD	100,000.00	100,000.00	.25	.25
90 Day CD	100,000.00	100,000.00	.30	.30
6 Month CD	100,000.00	100,000.00	.50	.50
12 Month CD	100,000.00	100,000.00	.65	.65
24 Month CD	100,000.00	100,000.00	.80	.80
36 Month CD	100,000.00	100,000.00	.95	.95
48 Month CD	100,000.00	100,000.00	1.08	1.08
60 Month CD	100,000.00	100,000.00	1.20	1.21

a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance is the amount of the principal in the account each day.

d) Fees could reduce earnings on the account. For current rate information contact us.

NOTICE OF EXPIRATION: TEMPORARY UNLIMITED COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

Temporary unlimited deposit insurance coverage for noninterest-bearing transaction accounts (NIBTAs), including interest on Lawyer Trust Accounts, is scheduled to expire on December 31, 2012. Absent a change in law, beginning January 1, 2013, the FDIC no longer will provide separate, unlimited deposit insurance coverage for NIBTAs at insured depository institutions (IDIs).

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov .