Pennsville National Bank

Balance Needed (Monthly Average Balance)	Rate	Annual Percentage Yield
$5,000 - $9,999.99	0.250%	0.25%
$10,000 - $24,999.99	0.350%	0.35%
$25,000.00 - $49,999.99	0.400%	0.40%
Over $50,000.00	0.450%	0.45%
One Account..................One Investment..............Satisfaction!

This is a variable rate account. The interest rate is subject to change at the bank's discretion. The APYs are accurate as of 9/09/2011. The average balance needed to obtain the APY is shown in the table above. Minimum deposit to open this account is $5,000.00. Fees could reduce earnings. Monthly average balances of less than $5,000.00 earn no interest.