Golf Savings Bank offers a variety of accounts to help you manage your business more efficiently and to gain higher earnings. From money market and checking accounts to business savings accounts, you'll find Golf Savings Bank to be among the most competitive banks in the Northwest.

Business Checking
Golf Savings Bank features three types of business accounts:

Basic Business Checking Account
-Minimum $100 deposit to open
-100 paid or deposited items ($.25 each additional)

Business Pro Checking Account (for sole proprietorships/non profit organizations)
-Minimum $100 deposit to open
-100 paid checks ($.25 each additional)
-100 items deposited ($.25 each additional)
-Earns interest
-Minimum balance fee of $10.00 per month if minimum balance falls below $2,500 any day of the statement cycle

Account	Min Amount To Open	Interest Rate	*APY
Basic Business Checking	$100	Non-Interest checking
Business Pro Checking	$100	1.20% for balance from $1,000 and over	1.21%
Business Analysis Checking	$100	Non-Interest checking

Business Analysis Checking Account

Business Certificates of Deposit
Interest on Certificates of Deposit is compounded daily and paid monthly.

Certificate of Deposit	Amount	Interest Rate	*APY
3 Months Fixed	$10,000-$90,000	3.20%	3.25%
6 Months Fixed	$10,000-$90,000	3.30%	3.35%
9 Months Fixed	$10,000-$90,000	3.40%	3.46%
12 Months Fixed	$10,000-$90,000	3.60%	3.67%
2 Year Fixed	$10,000-$90,000	4.07%	4.15%
3 Year Fixed	$10,000-$90,000	4.26%	4.35%
4 Year Fixed	$10,000-$90,000	4.35%	4.45%
5 Year Fixed	$10,000-$90,000	4.45%	4.55%
3 Months Fixed	$90,000.01 +	3.10%	3.15%
6 Months Fixed	$90,000.01 +	3.20%	3.25%
9 Months Fixed	$90,000.01 +	3.30%	3.35%
12 Months Fixed	$90,000.01 +	3.50%	3.56%
2 Year Fixed	$90,000.01 +	3.97%	4.05%
3 Year Fixed	$90,000.01 +	4.16%	4.25%
4 Year Fixed	$90,000.01 +	4.26%	4.35%
5 Year Fixed	$90,000.01 +	4.35%	4.45%

Business Money Market Account
-Minimum $1,000 deposit to open
-Limited to six transfers per statement cycle with no more than three checks per month
-Excessive withdrawal fee of $15.00 per item in excess of six during a month
-Minimum balance fee of $10.00 if balance falls below $1,000 any day of the statement cycle
-Excess deposited item charge of $.25 for over 25 deposited items
-Interest is compounded daily and paid monthly.

Money Market Account (Business MMA)	$1,000 to open	Interest Rate	*APY
Tier 1	up to $49,999	2.96%	3.00%
Tier 2	$50,000 to $99,999	3.20%	3.25%
Tier 3	$100,000+	3.20%	3.25%

Business Savings Account
-Minimum $500 deposit to open
-Minimum balance fee of $5.00 if balance falls below $500
-Limit of six withdrawals or transfers per month
-Excessive withdrawal fee of $5.00 for each withdrawal in excess of six during the month
-Interest compounded and credited monthly

Business Savings Account	Minimum to open	Interest Rate	APY
Business Savings	$500	1.25%	1.26%

This disclosure contains information about interest rates for certificates of deposit, interest checking, savings and money market accounts. Fees could reduce the earnings on an account. All certificate of deposits are subject to an interest penalty for early withdrawal of principal. Interest rates and *annual percentage yields were last changed on June 9, 2008. Interest rates are subject to change without prior notice. For current rate information call 1-800-264-1112.