Current Rates

Loan Rates

(Effective as of 10/4/2012)
Rates Subject to Change Without Notice

Product Term APR*
New Auto** Up to 72 months 3.62%
Used Auto*** Up to 48 months 4.04%
Overdraft Protection Revolving 18.00% fixed
Unsecured Loan Up to 48 months 16.00% fixed
Home Equity Line of Credit Call for details Call for details

*APR = Annual Percentage Rate
**New auto loans require a 10% down payment or trade in.
***For used auto loans, the maximum loan that the bank will finance is the lesser of 75% of retail pricing or 100% of trade-in value from Kelly Blue Book, NADA, or Edmunds online.

Customers who have their monthly auto or unsecured loan payment automatically deducted from their Regal Bank & Trust deposit account will receive a 25 basis point reduction.
Assumptions

For current Mortgage Rates, contact Matt Vinson, NMLS#504695 at 443.334.4729.

Rates, terms, and conditions are subject to change at bank’s sole discretion without notice.

Regal Bank & Trust, Lender NMLS #484660

Deposit Interest Rates

Description APY** Interest Rate Minimum to obtain APY**
Interest Checking 0.05% 0.05% $250.00
Senior Checking 0.20% 0.20% $200.00
Smart Money 0.15% 0.15% $2,500.00
Club25 Checking 0.05% 0.05% $50.00
Interest rates are variable and subject to change after account opening.
Description APY** Interest Rate Minimum to obtain APY**
Regular Savings 0.05% 0.05% $100.00
Minor Savings 0.05% 0.05% $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 0.15% 0.15% $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 0.15% 0.15% $1,000.00
12 Month CD / IRA 0.25% 0.25% $1,000.00
18 Month CD / IRA 0.35% 0.35% $1,000.00
2 Year CD / IRA 0.40% 0.40% $1,000.00
3 Year CD / IRA 0.55% 0.55% $1,000.00
4 Year CD / IRA 0.75% 0.75% $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 January 3, 2013 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.

Promotional CD’s

New Money CD Promotion

*Opening deposit of new money not currently on deposit. All interest rates and APY’s stated are accurate as of November 4th, 2013. This is a limited time offer, with rates subject to change at any time without notice.  **Penalty for early withdrawal.  No additional deposits. ***APY = Annual Percentage Yield, which is effective 11/04/2013.

Description ***APY Interest Rate Minimum to obtain APY
New Money Promotion
13 Month
18 Month
22 Month
30 Month
CD
0.60%
0.75%
0.90%
1.00%
 CD
0.60%
0.75%
0.90%
1.00%
$1,000.00
Substantial penalty for early withdrawal.