EARTHSTAR BANK

DEPOSIT RATES

Product

Rate

APY*

Minimum
to Open

Minimum to
obtain APY

Star Strata Checking (b)

$50

$500 (d)

$500 - $2,499.99

0.15%

0.15%

$2.500 - $7,499.99

0.30%

0.30%

$7,500 and up

0.60%

0.60%

StarLight Money Market (b)

$100

$1 (d)

up to $2,499.99

0.55%

0.55%

$2,500 to $24,999.99

0.75%

0.75%

$25,000 to $74,999.99

1.24%

1.25%

.

$75,000-$99,999

1.39%

1.40%

$100,000 and up

1.44%

1.45%

Star Strata Money Market (b)

$100

$1 (d)

up to $999

0.50%

0.50%

$1,000 - $4,999

0.50%

0.50%

$5,000 - $14,999

0.50%

0.50%

$15,000 and up

0.50%

0.50%

Statement Savings (b)

0.40%

0.40%

$50

$1 (d)

IRA Savings (b)

0.40%

0.40%

$1,000

$1 (d)

Business Star Strata Checking (b)

$100

$500 (d)

$500 - $2,499

0.15%

0.15%

$2,500 - $7,499

0.30%

0.30%

$7,500 and up

0.60%

0.60%

Business StarLight Money Market (b)

$100

$1 (d)

up to $2,499

0.55%

0.55%

$2,500 - $24,999

0.75%

0.75%

$25,000 - $74,999

1.24%

1.25%

$75,000 - $99,999

1.39%

1.40%

$100,000 and up

1.44%

1.45%

Certificates of Deposit

Rate

APY*

Minimum to Open

Minimum to obtain APY

3 Month CD

(a,f)

1.00%

1.00%

$500

$500 (c)

5 Month CD

(a,f)

1.14%

1.15%

$500

$500 (c)

6 Month CD

(a,f)

1.29%

1.30%

$500

$500 (c)

6 Month CD

(a,f)        New Money Only

1.39%

1.40%

$500

$500 (c)

7 Month CD

(a,f) 

1.34%

1.35%

$500

$500 (c)

9 Month CD

(a,f)        ***SPECIAL***

1.49%

1.50%

$500

$500 (c)

11 Month CD

(a,f)

1.39%

1.40%

$500

$500 (c)

12 Month CD

(a,f)

1.64%

1.65%

$500

$500 (c)

12 Month CD

(a,f)        New Money Only

1.79%

1.80%

$500

$500 (c)

13 Month CD

(a,f) 

1.49%

1.50%

$500

$500 (c)

18 Month CD

(a,f)

1.64%

1.65%

$500

$500 (c)

19 Month CD

(a,f) 

1.74%

1.75%

$500

$500 (c)

24 Month CD

(a,f) 

1.73%

1.74%

$500

$500 (c)

36 Month CD

(a,f)

1.98%

2.00%

$500

$500 (c)

60 Month CD

(a,f)

2.08%

2.10%

$500

$500 (c)

Jumbo CD

(a,f)

Same Rates as above

$100,000

$100,000 (c)

a) A penalty may imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance. The amount of the principal in the account each day.
d) Average Daily Balance. The average daily balance is calculated by adding the principal in the account for each day of the period by dividing that figure by the number of days in the period.
e) Jumbo CD terms from 30 days to 2 years.
f) Minimums for mailed interest checks: Monthly- $20,000;  Quarterly- $10,000. Automatic credit of interest to an Earthstar deposit account available for monthly or quarterly for certificates of $1,000 or more.

* Interest rates and annual percentage yields (APY) current as of Thursday, January 14, 2010 Rates subject to change without notice.  Fees may reduce earnings.

CONSUMER LOAN RATES

Effective Date: Thursday, January 14, 2010

HOME EQUITY TERM FIXED RATE*

Term

Annual Percentage Rate (“APR”)

Maximum of 80% Loan to Value (“LTV”)

1-60 months**

5.99% (a)

61-84 months

6.24% (a)

85-120 months

6.49% (a)

121-180 months**

6.74% (a)

181-240 months

6.99% (a)

15/30 year Balloon*

6.74%

* Balloon notes are amortized over a 30 year period with a payment each month for 15 years followed by a one time payment of the remaining balance. The benefit is a lower monthly payment than a standard 15 or 20 year note.
** Payment Examples: For every $1,000 borrowed on a fixed rate home equity loan, the monthly payment amount would be: 
At 5.99% Interest Rate for 60 Months, Payment = $19.33   //  At 6.74% Interest Rate for 180 Months, Payment = $8.84

HOME EQUITY LINES OF CREDIT*

Term

APR

Maximum of 80% Loan to Value

Revolving

Prime plus 1.00%*** (b)

Owner occupied properties only

Minimum APR 4.00%

Max APR Cap 18.00%

No closing costs on all Home Equity Loans and Lines of Credit (Disbursed) up to $250,000.  If loan is greater than $250,000 a full comprehensive appraisal (interior) is required by the bank, the Borrower must fully pay for the cost of the appraisal. ***”Prime” is defined as the highest Prime Rate, as published in the Wall Street Journal (“WSJ”), as it may change periodically. Rates are subject to monthly adjustment based on the WSJ published Prime Rate as of the first day of the month. Current rate based on WSJ Prime Rate of 3.25% as of 12/18/08.

AUTOMOBILE LOANS

New Auto (untitled)
(2008-2009 model years)
New Auto Maximum Amt Financed: 90% of purchase price, less tax, tags & extended warranty

_TERM

_APR

1-60 months

6.99%

Used Auto
(2008-2004 model years)
Used Auto Maximum Amt Financed: The Lesser of 90% of the purchase price, less tax, tags & extended warranty, OR the Wholesale value as stated by the NADA or Kelley Blue Book Used Car Guide, including any options

YEAR

TERM

APR

2008

1-54 months

7.24%

2007

1-48 months

7.24%

2006

1-36 months

7.49%

2005

1-30 months

7.74%

2004

1-24 months

7.74%

Deposit Secured Loans

TERM

APR

Maximum Loan Amount: 98% of the collected balance in a Certificate of Deposit Account.  No variable rate type accounts,  IRA’s, or Pension accounts.

1-60 months

2% over deposit account Annual Percentage Yield (APY)

Personal Unsecured Loans

TERM

APR

Maximum Loan Amount:
up to $5,000; 60 months maximum term

1-36 months

14.49% (a)

37-60 months

14.99% (a)

Overdraft Line of Protection

TERM

APR

Revolving

Prime plus   4.00%*** (b)

a) Automatic Payments Rate Reduction = a 0.25% Interest Rate Reduction on Consumer Term Loans Only (Not Lines of Credit) - Requires an Automatic Draft of the Loan Payment from an Earthstar Bank Checking Account, or the interest rate will revert to the higher interest rate (i.e. increase by 0.25%). Not applicable to Lines of Credit (including Home Equity Lines of Credit and Overdraft Line of Protection) or Deposit Secured Loans.

b) Overdraft Line of Protection is subject to a 60 Month Maturity. Home Equity Lines of Credit are subject to a 180 month Maturity.

INVESTMENT PROPERTIES: Maximum LTV: 70%; Interest Rate: add 1% to above APR’s

EQUAL HOUSING LENDER /  EQUAL OPPORTUNITY LENDER