Cloud Capital

Current Deposit Rates

Rates effective as of Tuesday, July 27, 2010

Certificates of Deposit Updated Tuesday, July 27, 2010

30-90 Day...........0.10% APY*

91-181 Day.........0.16% APY*

182-365 Day.......0.21% APY*

12-17 Month.......0.36% APY*

18-23 Month.......0.66% APY*

24-35 Month...........1.02% APY*

36-47 Month...........1.43% APY*

48-59 Month...........1.93% APY*

60+ Month.............2.34% APY*

*Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum Balance to obtain APY is $10,000.00.

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Individual Retirement Rates Updated Tuesday, July 27, 2010

Fixed Rate

12 Month..............0.45% APY*

18 Month...0.75% APY*

12 Month SPECIAL...0.87% APY*

24 Month..............1.10% APY*

48 Month..............2.02% APY*

42 mos SPECIAL2.02% APY*

60 Month..............2.40% APY*

Variable Rate

18 Month Variable...0.66% APY**

*Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum Balance to obtain APY is $100.00.

**Annual Percentage Yields (APYs) are subject to change without notice. APYs are based on Monthly Compounding. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum Balance to obtain APY is $100.00.

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Savings (Variable Rate Product) Updated Tuesday, July 27, 2010

Regular Savings..............0.31% APY*

Little Peoples Savings.....0.31% APY**

Christmas Savers............0.31% APY***

*Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $100.00. Earn interest on all balances.

**Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $1.00. Earn interest on all balances.

***Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $5.00. Earn interest on all balances.

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Preferred Money Market (Variable Rate Product) Updated Tuesday, July 27, 2010

$1,000-$9,999.99...........0.20% APY*

$10,000-$24,999.99.......0.35% APY*

$25,000 & Over..........0.61% APY*

*Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $1,000.00.

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Peoples Plus Checking (Variable Rate Product) Updated Tuesday, July 27, 2010

$1,000-$9,999.99............0.10% APY

$10,000-$24,999.99........0.20% APY

$25,000-$49,999.99........0.30% APY

$50,000 & Over..........0.40% APY

*Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $500.00.

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Peoples Prime 50 (Variable Rate Product) Updated Tuesday, July 27, 2010

Daily Balance

$500-$9,999..............0.17% APY*

$10,000 & Over.........0.42% APY*

*Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $500.00.

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Peoples Choice (Variable Rate Product) Updated Tuesday, July 27, 2010

Daily Balance

$5,000 and over............0.01% APY*

*Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $100.00. To earn stated APY, a $5,000.00 balance is required.

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Peoples Health Savings Account (Variable Rate Product) Updated Tuesday, July 20, 2010

Daily Balance

$100 and over. . . .0.50% APY*

*Annual Percentage Yields (APYs) are subject to change without notice. APYs based on Monthly Compounding. Fees may reduce earnings. Minimum Opening Balance is $100.00.

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