Colorado Mountain Bank

INTEREST BEARING CHECKING AND SAVING ACCOUNTS
For variable rate accounts, the rate may change after the account is opened, and all rates are subject to change without notice. The Annual Percentage Yields shown below are accurate as of the effective date shown below. Fees could reduce earnings. Please contact us for further information about applicable fees and terms.

		INTEREST RATE	ANNUAL PERCENTAGE YIELD
SAVINGS – REGULAR (Opening deposit $100)		.85%	.85%
SHREWD – SAVER (Opening deposit $100)
Balance Over   $10,000		1.35%	1.35%
$5,000.01 - $10,000		1.30%	1.30%
$500.01 - $5,000		1.25%	1.25%
$0 - $500		1.00%	1.00%
HOLIDAY CLUB Pays when check prints - A penalty for early withdrawal may apply.		3.30%	3.30%
NOW ACCOUNT (Opening deposit $700)		0.55%	0.55%
SUPER NOW ACCOUNT (Opening deposit $2,500)
Balance $2,500 or above		1.00%	1.00%
$0 - $2,499.99		0.50%	0.50%
MONEY MARKET ACCOUNT (Opening deposit $2,500)
Balance $2,500 or above		1.29%	1.30%
$0 - $2,499.99		.75%	.75%

Interest rates currently offered on all deposit accounts are determined at the bank's discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. For all checking accounts, interest on your deposit begins to accrue on the business day we receive the deposit and will be compounded daily and credited to your account monthly. For savings accounts, interest is compounded daily and credited to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

CERTIFICATES OF DEPOSIT
Requires a minimum opening balance of $500.00 and a $100.00 minimum for additional deposits to the certificate. Other minimums may be required.

		INTEREST RATE	ANNUAL PERCENTAGE YIELD
3 MONTH		2.28%	2.30%
6 MONTH		2.67%	2.70%
12 MONTH		2.77%	2.80%
18 MONTH		2.87%	2.90%
24 MONTH		2.97%	3.00%
36 MONTH		3.07%	3.10%
48 MONTH		3.17%	3.20%
60 MONTH		3.27%	3.30%

IRA ACCOUNTS
Requires a minimum opening deposit of $500.00 and a $100.00 minimum for additional deposits to the certificate.

		INTEREST RATE	ANNUAL PERCENTAGE YIELD
18 MONTHS		2.87%	2.90%
36 MONTHS		3.07%	3.10%
60 MONTHS		3.27%	3.30%

(EFFECTIVE DATE JUNE 4, 2008); RATES SUBJECT TO CHANGE WITHOUT NOTICE
(APY ASSUMES NO WITHDRAWALS DURING TERM OF ISSUE AND INTEREST IS ADDED TO PRINCIPAL)
• A PENALTY FOR EARLY WITHDRAWAL MAY APPLY; SEE ACCOUNT DISCLOSURE FOR DETAILS.        

PLEASE CONTACT ONE OF OUR CUSTOMER SERVICE REPRESENTATIVES FOR FURTHER
INFORMATION ABOUT APPLICABLE FEES AND TERMS.

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