Description	APY**	Interest Rate	Minimum to obtain APY**
.Interest Checking	..05%	..05%	.$250.00
.Senior Checking	..20%	..20%	.$200.00
.Smart Money	..15%	..15%	.$2,500.00
.Club25 Checking	..05%	..05%	.$50.00

Interest rates are variable and subject to change after account opening.

Description	APY**	Interest Rate	Minimum to obtain APY**
.Regular Savings	..05%	..05%	.$100.00
.Minor Savings	..05%	..05%	.$0.00
.Money Market	.Tiered Interest Rate	.	.$1,000.00
.Smart Money Market	.Tiered Interest Rate	.	.$5,000.00

Interest rates are variable and subject to change after account opening.

Description	APY**	Interest Rate	Minimum to obtain APY**
.Non-Profit Checking	.Tiered Interest Rate	.	.$200.00
.Business Investment	..15%	..15%	.$2,500.00
.Smart Business Investment	.Tiered Interest Rate	.	.$5,000.00
.Business Savings	.Tiered Interest Rate	.	.$300.00

Interest rates are variable and subject to change after account opening.

Description	APY**	Interest Rate	Minimum to obtain APY**
..6 Month CD	..15%	..15%	.$1,000.00
.1 year CD	..25%	..25%	.$1,000.00
.18 month CD	..35%	..35%	.$1,000.00
.2 year CD/IRA	..40%	..40%	.$1,000.00
.3 year CD/IRA	..55%	..55%	.$1,000.00
.4 year CD/IRA	..75%	..75%	.$1,000.00
.5 year CD/IRA	.1.00%	.1.00%	.$1,000.00

Substantial penalty for early withdrawal

**Annual Percentage Yield

The Interest Rates are effective December 21, 2012 and are subject to change at sole discretion of RB&T without notice. Interest is compounded daily and credited monthly on all interest bearing accounts. The Annual Percentage Yield (APY)assumes interest will remain on deposit for one year. All Tiered Interest Rates are based on the actual balance. Fees could reduce earnings.

Description	APY	Interest Rate	Minimum to obtain APY**
.	.	.	.
.	.	.	.
.	.	.	.

Substantial penalty for early withdrawal

For further information please feel free to contact a Regal Bank & Trust associate at a branch location nearest you.