Deposit Account Rates

(Rates Subject to Change Daily)

Rates Current as of: November 18, 2008
Last Rate Change: October 31, 2008

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
CHECKING ACCOUNTS

Simply Free Checking	No Interest		$50.00	N/A
Regular Checking	No Interest		$100.00	N/A
Interest Checking	0.20%	0.20%	$100.00	$500.00
Investor's Money Market Checking	2.08%	2.10%	$5,000	$100,000 or more
	1.98%	2.00%		$50,000-99,999
	1.74%	1.75%		$25,000-49,999
	1.49%	1.50%		$15,000-24,999
	1.29%	1.30%		$5,000-14,999
	0.00%	0.00%		$1-4,999
Business Checking	No Interest		$100	N/A
Business Interest Checking	.20%	.20%	$100	$2,500

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
SAVINGS ACCOUNTS

Regular Savings	0.42%	0.42%	$100	$300
Gold Money Market Savings	2.18%	2.20%	$5,000	$100,000 or more
	2.03%	2.05%		$50,000-99,999
	1.79%	1.80%		$25,000-49,999
	1.59%	1.60%		$15,000-24,999
	1.39%	1.40%		$5,000-14,999
	0.00%	0.00%		$1-4,999
Business Money Market Savings	2.08%	2.10%	$5,000	$100,000 or more
	1.88%	1.90%		$50,000-99,999
	1.69%	1.70%		$25,000-49,999
	1.59%	1.60%		$15,000-24,999
	1.39%	1.40%		$5,000-14,999
	0.00%	0.00%		$1-4,999

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
CERTIFICATES OF DEPOSIT

1 Month CD	2.23%	2.25%	$10,000	$10,000
2 Month CD	2.33%	2.36%	$10,000	$10,000
3 Month CD	2.47%	2.50%	$500	$500
3 Month CD	2.81%	2.85%	$10,000	$10,000
4 Month CD	2.81%	2.85%	$10,000	$10,000
5 Month CD	2.72%	2.75%	$10,000	$10,000
6 Month CD	2.72%	2.75%	$500	$500
7 Month CD	2.72%	2.75%	$10,000	$10,000
8 Month CD	2.72%	2.75%	$10,000	$10,000
9 Month CD	2.72%	2.75%	$10,000	$10,000
10 Month CD	2.72%	2.75%	$10,000	$10,000
12 Month CD	2.67%	2.70%	$500	$500
14 Month CD	2.72%	2.75%	$10,000	$10,000
15 Month CD	2.72%	2.75%	$10,000	$10,000
18 Month CD	2.67%	2.70%	$500	$500
24 Month CD	2.67%	2.70%	$500	$500
25 Month CD	2.67%	2.70%	$1,000	$1,000
30 Month CD	2.67%	2.70%	$500	$500
36 Month CD	2.96%	3.00%	$500	$500
60 Month CD	3.35%	3.40%	$500	$500
18 Month Retirement Plan	2.85%	2.85%	$250	$250

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
JUMBO CERTIFICATES OF DEPOSIT

30 to 59 Day	2.28%	2.30%	$99,000	$99,000
60 to 89 Day	2.37%	2.40%	$99,000	$99,000
90 to 119 Day	2.86%	2.90%	$99,000	$99,000
120 to 149 Day	2.86%	2.90%	$99,000	$99,000
150 to 179 Day	2.91%	2.95%	$99,000	$99,000
180 to 239 Day	2.76%	2.80%	$99,000	$99,000
240 to 269 Day	2.76%	2.80%	$99,000	$99,000
270 to 365 Day	2.76%	2.80%	$99,000	$99,000
2 Year	2.72%	2.75%	$99,000	$99,000
3 Year	3.06%	3.10%	$99,000	$99,000
5 Year	3.35%	3.40%	$99,000	$99,000

*Minimum Balance (the amount of principal in the account each day)
A penalty may be imposed for withdrawals before maturity from term accounts.
Fees imposed on your account may affect the Annual Percentage Yield.
Contact Customer Service at 1-800-874-9779 for further information about applicable fees and terms.
Offices Throughout Northern California
For the office nearest you call 1-800-874-9779
Deposits Federally Insured to $100,000 and Backed by the Full Faith Credit of the U.S. Government.

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