Deposit Rates and Terms from Lisle Savings Bank

Deposit Rates and Terms

Effective February 1, 2012

Rates, terms and Special Offers shown are subject to change at any time and must be verified by a bank representative.

Checking / Money MarketSavings RatesCertificate of Deposit RatesJumbo Certificates

Checking Account Type	Minimum Deposit to Open Account and Avoid Monthly Fee	Required Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield	Monthly Fee For Falling Below Minimum Deposit Balance
Wall Street Checking	$1,000	Paid on all balances	0.40%	0.40%	$12
Interest Checking	$400		0.15%	0.15%	$7
Gold 50	$100		0.15%	0.15%	None
Free Checking	$100	No Minimum Balance	No Interest		None
Home Business Checking	$700	Paid on all balances	0.15%	0.15%	$7
EZ Business Checking##	$100	No Minimum Balance	No Interest		None

Insured Money Market Account**	$1,000	Paid on all Balances	0.45%	0.45%	$10

## EZ Business Checking: There is a $10.00 monthly service fee regardless of your account balance.

** RESERVATION TO REQUIRE NOTICE TO WITHDRAW. Under federal regulations which authorize this account, this bank is required to reserve the right to require at least (7) days notice prior to withdrawal or transfer of any funds from this account. If this bank determines that this exercise is right, it will do so on a seven (7) day basis, and the account holder's request for withdrawal or transfer of funds will consitute commencement of the notification period.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily. There is no limitation on how much the rate may change.
Interest begins to accrue no later than the business day on which we receive credit for the funds on non-cash items (for example, checks).
Interest is compounded daily and credited on the last day of your statement cycle. If you close your account before interest is credited, you will receive the accrued interest.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
You may make only six (6) preauthorized transfers or withdrawals (including automatic NSF transfers, wire transfers, LSB-Online Internet banking transfers and ACH) from your insured money market account each statement cycle.
Fees will reduce earnings on the account

Savings Account Type**	Minimum Deposit to Open Account and Avoid Monthly Fee	Required Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield	Monthly Fee For Falling Below Minimum Deposit Balance
E-Savings (+)	$1 to Open; No monthly fee	$.01	0.55%	0.55%	N/A
Statement Savings	$200	10	0.25%	0.25%	$2
Small Saver's Club	$10	$10	0.25%	0.25%	None
IRA Statement	$2,500	$2,500	0.25%	0.25%	None

** RESERVATION TO REQUIRE NOTICE TO WITHDRAW. Under federal regulations which authorize this account, this bank is required to reserve the right to require at least (7) days notice prior to withdrawal or transfer of any funds from this account. If this bank determines that this exercise is right, it will do so on a seven (7) day basis, and the account holder's request for withdrawal or transfer of funds will consitute commencement of the notification period.

(+)

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily. There is no limit on how much the rate may change.
Interest begins to accrue on the day of your deposit.
Interest is compounded daily and credited on the last day of each month. If you close your account before interest is credited, you will receive the accrued interest.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
You may make only six (6) preauthorized transfers, including LSB-Online Internet banking transfers, from your statement savings account to another account within the bank each month.
Fees will reduce earnings on the account

A checking account is required to open an E-Savings Account. E-Savings will be converted to a Statement Savings Account if there are less than five (5) electronic transactions per checking statement cycle.

Term	Required Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
6 Month *	$2,000	0.30%	0.30%
9 Month *	$2,000	0.40%	0.40%
12 Month *	$2,000	0.70%	0.70%
18 Month *	$2,000	0.80%	0.80%
24 Month *	$2,000	1.00%	1.00%
30 Month *	$2,000	1.10%	1.10%
42 Month *	$2,000	1.25%	1.25%

*Can be used as an IRA ($250 minimum deposit on 6, 9, 12, 18 and 24 month IRAs). There may be a penalty for early withdrawal of principal on certificates.

The interest rate on your account will be paid until the maturity date of your certificate.
Interest is compounded daily and will be credited to your account monthly with the exception of jumbo certificates which do not compound.
Interest begins to accrue on the day of your deposit.
Unless you receive a Non-Renewal Notice, your account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw your funds without being charged a penalty.
After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Except for jumbo certificates, annual percentage yield assumes interest remains on deposit until maturity at the stated rate. Withdrawal of interest will reduce earnings on the account.
If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed.

Term	Penalty
12 months or less	91 days of interest *
18 - 42 months	180 days of interest *

*Whether earned or not

Term	Required Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
180 Days	$90,000	0.30%	0.30%
365 Days	$90,000	0.75%	0.75%

The interest rate on your account will be paid until the maturity date of your certificate.
Interest is compounded daily and will be credited to your account monthly with the exception of jumbo certificates which do not compound.
Interest begins to accrue on the day of your deposit.
Unless you receive a Non-Renewal Notice, your account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw your funds without being charged a penalty.
After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Except for jumbo certificates, annual percentage yield assumes interest remains on deposit until maturity at the stated rate. Withdrawal of interest will reduce earnings on the account.
If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed.

Term	Penalty
12 months or less	91 days of interest *
18 - 42 months	180 days of interest *

*Whether earned or not

Since Lisle Savings Bank is a community bank, we reserve the right
to limit our deposits and loans to our surrounding communities.

©2012

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