RATES EFFECTIVE AS OF: March 1, 2015

PRODUCTS:


ANNUAL PERCENTAGE YIELD (APY) INTEREST RATE COMPOUNDING
AND CREDITING FREQUENCY
MINIMUM BAL. TO EARN APY
{AVG. DAILY COL.}
OPENING BALANCE (MINIMUM)

TRANSACTION ACCOUNTS:
[Rates may change after the account is opened; Fees may reduce earnings]
SAVINGS

*
0.05% 0.05% QUARTERLY $100.00 $100.00
NOW ACCOUNT
0.03% 0.03% MONTHLY $1,000.00 $1,000.00
  0.05% 0.05% MONTHLY $2,500.00       -
BUSINESS NOW CHECKING   0.03% 0.03% MONTHLY $1,000.00 $1,000.00
PRESTIGE CHECKING *   0.03% 0.03% MONTHLY $2,500.00 $100.00
    0.05% 0.05% MONTHLY $10,000.00       -
MONEY MARKET (TIERS)   0.03% 0.03% MONTHLY $1,500.00 - $9,999.99 $1,500.00


  0.05% 0.05% MONTHLY $10,000.00-$24,999.99       -


  0.10% 0.10% MONTHLY  $25,000.00- $74,999.99       -
    0.15% 0.15% MONTHLY $75,000.00 and over       -

JUMBO CERTIFICATES:

90 DAY JUMBO CD   0.05% 0.05% MONTHLY $100,000.00 $100,000.00
182 DAY JUMBO CD   0.05% 0.05% MONTHLY $100,000.00 $100,000.00
12 MONTH JUMBO CD   0.20% 0.20% MONTHLY $100,000.00 $100,000.00
18 MONTH JUMBO CD   0.25% 0.25% MONTHLY $100,000.00 $100,000.00
24 MONTH JUMBO CD   0.35% 0.35% MONTHLY $100,000.00 $100,000.00
36 MONTH JUMBO CD   0.40% 0.40% MONTHLY $100,000.00 $100,000.00
48 MONTH JUMBO CD   0.45% 0.45% MONTHLY $100,000.00 $100,000.00
60 MONTH JUMBO CD   0.60% 0.60% MONTHLY $100,000.00 $100,000.00

REGULAR CERTIFICATES:

90 DAY CD
  0.05% 0.05% MONTHLY $1,000.00 $1,000.00
182 DAY CD
  0.05% 0.05% MONTHLY $1,000.00 $1,000.00
12 MONTH CD   0.15% 0.15% MONTHLY $1,000.00 $1,000.00
18 MONTH CD   0.20% 0.20% MONTHLY $1,000.00 $1,000.00
24 MONTH CD   0.30% 0.30% MONTHLY $1,000.00 $1,000.00
36 MONTH CD   0.35% 0.35% MONTHLY $1,000.00 $1,000.00
48 MONTH CD   0.40% 0.40% MONTHLY $1,000.00 $1,000.00
60 MONTH CD   0.55% 0.55% MONTHLY $1,000.00 $1,000.00

TRADITIONAL & ROTH IRA'S:

12 MONTH JUMBO IRA   0.20% 0.20% QUARTERLY $100,000.00 $100,000.00
24 MONTH JUMBO IRA   0.35% 0.35% QUARTERLY $100,000.00 $100,000.00
36 MONTH JUMBO IRA   0.40% 0.40% QUARTERLY $100,000.00 $100,000.00
48 MONTH JUMBO IRA   0.45% 0.45% QUARTERLY $100,000.00 $100,000.00
60 MONTH JUMBO IRA   0.60% 0.60% QUARTERLY $100,000.00 $100,000.00
12 MONTH REGULAR IRA   0.15% 0.15% QUARTERLY $300.00 $300.00
24 MONTH REGULAR IRA   0.30% 0.30% QUARTERLY $300.00 $300.00
36 MONTH REGULAR IRA   0.35% 0.35% QUARTERLY $300.00 $300.00
48 MONTH REGULAR IRA   0.40% 0.40% QUARTERLY $300.00 $300.00
60 MONTH REGULAR IRA   0.55% 0.55% QUARTERLY $300.00 $300.00








(*) DENOTES A CHANGE

A MESSAGE TO OUR CUSTOMERS:




RATES LISTED ON THIS SHEET ARE ACCURATE AS OF THE DATE ABOVE.  RATES ARE SUBJECT TO CHANGE DAILY AT THE DISCRETION OF THE SNBT RATE COMMITTEE. EARLY WITHDRAWAL PENALTIES MAY REDUCE EARNINGS. FOR FURTHER INFORMATION PLEASE CONTACT AN EMPLOYEE.

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