Welcome to Kent Bank

Kent Bank - Rates of Return EFFECTIVE May 6, 2013
	Minimum Deposit	Interest Rate	Annual Percentage Yield
LIFESTYLE Checking
NOW Checking	$ 1,000	0.10%	0.10%
Homeowner Checking	$ 100	0.15%	0.15%
ADVANTAGE Checking	$ 5,000	0.20%	0.20%
Business ADVANTAGE Checking		0.10%	0.10%

SAVING & INVESTING
Money Market Savings	$2,500
$25,000+		0.20%	0.20%
$10,000 - $24,999		0.15%	0.15%
$2,500 - $9,999		0.10%	0.10%
$.01 - $2,499		0.05%	0.05%

Emergency Bucket Savings	$100	0.20%	0.20%
Custodial Savings*	$25 *	0.48%	0.48%
Regular Savings	$50	0.10%	0.10%
Health Savings		0.20%	0.20%
Business Savings	$100	0.10%	0.10%
Christmas Club Savings		0.10%	0.10%
Marquis Money Market
	$50,000+	0.35%	0.35%


IRA Certificates of Deposit
12-60 Fixed	$500	0.45%	0.45%
12-60 Variable	$500	0.50%	0.50%


Certificates of Deposit
30-89 Days	$1,000+	0.10%	0.10%
90 Days	$1,000+	0.10%	0.10%
6 Months	$1,000+	0.20%	0.20%
9 Months	$1,000+	0.20%	0.20%
12 Months	$1,000+	0.30%	0.30%
24 Months	$1,000+	0.40%	0.40%
36 Months	$1,000+	0.60%	0.60%
48 Months	$1,000+	0.60%	0.60%
60 Months	$1,000+	0.75%	0.75%
Bump Up 24 Months	$10,000+	0.40%	0.40%
Minimum Deposit $25 w/Kent Bank Checking or $100 w/o Kent Bank Checking Certificates of Deposit are automatically renewable unless you instruct. CDs do not earn interest after the maturity date. There is a penalty for early withdrawal Variable Interest Rates...* The interest rate and APY (Annual Percentage Yield) for any variable interest rate account is subject to change and may change any time after the account is opened. Variable IRA, Advantage, NOW, Homeowner, Money Market and all Savings are all variable rates accounts. What is APY? (Annual Percentage Yield)... As the name suggests, APY is the yield you earn on a deposit over a year. APY refers to your earnings - how much money you're making. APY is worth knowing about because it takes compounding into account. In very simple terms, compounding means making earnings, on your earnings. Cd's, IRA's and Savings are compounded quarterly. Money Market, Advantage, Homeowner and NOW accounts are compounded monthly. The Effect of Fees... Fees charged because minimum balance requirements were not met could reduce interest earnings. Early Withdrawal Penalties... Original Maturity Term.........Penalty 89 days or less....................7 days interest 90 days to 180 days.............30 days interest 181 days to 364 days...........90 days interest 365 days or longer...............180 days interest All Kent Bank Checking, Savings Accounts and Certificates of Deposit are FDIC Insured to the maximum allowed by law.