Bank of Luxemburg offers a personal checking account to fit your checking needs.


Personal Checking • Personal Savings • Personal Loans • Personal Deposit Rates
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DEPOSIT RATES

DEPOSIT RATES

Annual Percentage Yield effective March 14, 2012. Rates are subject to change without notice.

Account Type	Minimum Opening Deposit	Minimum Balance to Obtain APY	Interest Rate	Annual Percentage Yield
Star Savings	$10.00	$0.01	0.098%	0.10%
Holiday Club	$10.00	$0.01	0.098%	0.10%
Investor's Savings	$100.00	$0.01	0.098%	0.10%
Investor's Money Market	$1,000.00	$0.01	0.148%	0.15%
Money Market Plus	$3,000.00	$0.01	0.248%	0.25%
Investor's Choice
$0.01-$9,999.99	$10,000.00	$0.01	0.098%	0.10%
$10,000+	$10,000.00	$10,000.00	0.398%	0.40%

Golden Delux Plus Checking	$100.00	$1,000.00	0.098%	0.10%

Classic Plus Checking	$100.00	$1,000.00	0.098%	0.10%

Investor's Checking
$0.01 - $4,999	$5,000	$0.01	0.098%	0.10%
$5,000 - $14,999			0.197%	0.20%
$15,000 - $24,999			0.347%	0.35%
$25,000 - $49,999			0.398%	0.40%
$50,000 +			0.495%	0.50%

Health Savings Account
$0.01 - $4,999	$25.00	$0.01	0.098%	0.10%
$5,000 - $9,999			0.197%	0.20%
$10,000 - $14,999			0.297%	0.30%
$15,000 +			0.397%	0.40%

Employee Savings Plan
$0.01 - $19,999	$100.00	$0.01	0.148%	0.15%
$20,000 - $49,999			0.247%	0.25%
$50,000 - $99,999			0.347%	0.35%
$100,000 +			0.448%	0.45%

Cash Sweep Account
$0.01 - $4,999	NA	$0.01	0.196%	0.20%
$5,000 - $14,999			0.295%	0.30%
$15,000 - $24,999			0.347%	0.35%
$25,000 - $49,999			0.397%	0.40%
$50,000 +			0.448%	0.45%

Municipal Checking	$100.00	$0.01	0.328%	0.33%

CERTIFICATE OF DEPOSIT

Product Name	Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
91 Day CD	$1,000.00	$1,000.00	0.147%	0.15%
182 Day CD	$1,000.00	$1,000.00	0.197%	0.20%
9 Months CD	$1,000.00	$1,000.00	0.248%	0.25%
12 Month CD	$1,000.00	$1,000.00	0.397%	0.40%
15 Month CD	$1,000.00	$1,000.00	0.547%	0.55%
18 Month CD	$1,000.00	$1,000.00	0.547%	0.55%
24 Month CD	$1,000.00	$1,000.00	0.745%	0.75%
26 Month CD Special	$1,000.00	$1,000.00	0.745%	0.75%
36 Month CD	$1,000.00	$1,000.00	0.993%	1.00%
41 Month CD Special	$1,000.00	$1,000.00	1.142%	1.15%
48 Month CD	$1,000.00	$1,000.00	1.260%	1.27%
60 Month CD	$1,000.00	$1,000.00	1.485%	1.50%

* Annual Percentage Yield based on interest compounding at the end of 1 month term.
# Annual Percentage Yield based on principal plus interest reinvested at the same rate with    interest credited at maturity.
   Substantial withdrawal penalty may be imposed for the early withdrawal of any Certificate of    Deposit.
   We use the daily balance method to calculate the interest on your account. This method    applies a daily periodic rate to the principal balance of the account each day.
   Account disclosures containing additional terms and conditions are available at account    opening or upon request.
   Account fees may reduce the Annual Percentage Yield.
   Interest rates are subject to change without notice.

CD / IRA

Product Name	Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
182 Day CD/IRA	$1,000.00	$1,000.00	0.197%	0.20%
9 Months CD/IRA	$1,000.00	$1,000.00	0.248%	0.25%
11 Months CD/IRA	$1,000.00	$1,000.00	0.397%	0.40%
12 Months CD/IRA	$1,000.00	$1,000.00	0.397%	0.40%
15 Months CD/IRA	$1,000.00	$1,000.00	0.547%	0.55%
18 Months CD/IRA	$1,000.00	$1,000.00	0.547%	0.55%
24 Months CD/IRA	$1,000.00	$1,000.00	0.745%	0.75%
30 Months CD/IRA	$1,000.00	$1,000.00	0.785%	0.79%
36 Months CD/IRA	$1,000.00	$1,000.00	0.993%	1.00%
48 Months CD/IRA	$1,000.00	$1,000.00	1.260%	1.27%
60 Months CD/IRA	$1,000.00	$1,000.00	1.485%	1.50%

Statement IRA	$25.00	$25.00	0.397%	0.40%

*Annual Percentage yield based on interest compounding at the end of 1 month term.
# Annual percentage yield based on principal plus interest reinvested at the same rate with interest credited at maturity.
  Substantial withdrawal penalty may be imposed for the early withdrawal of any Certificate of   Deposit.
  We use the daily balance method to calculate the interest on your account. This method   applies a daily periodic rate to the principal balance of the account each day.
  Account disclosures containing additional terms and conditions are available at account   opening or upon request.
  Account fees may reduce the Annual Percentage Yield.
  Interest rates are subject to change without notice.

For more information regarding any of our banking services, stop by or call any one of our eight offices:

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money market deposit accounts.

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