Wilber National Bank

Wilber National Bank Checking and Savings Rate Sheet

(Effective 12-24-2008 through 01-06-2009)

Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield (APY)
*Checking Accounts:*
Super Checking	No minimum	0	0.25%	0.25%
	No minimum	10,000	0.25%	0.25%
	No minimum	50,000	0.25%	0.25%
Super Checking Gold	No minimum	0	0.40%	0.40%
	No minimum	10,000	0.40%	0.40%
	No minimum	50,000	0.50%	0.50%
Electronic Money Management	5,000	1,500	0.25%	0.25%
	5,000	15,000	0.25%	0.25%
	5,000	25,000	0.25%	0.25%
	5,000	50,000	0.50%	0.50%
	5,000	125,000	0.75%	0.75%
Money Market Account	No minimum	0	0.25%	0.25%
	No minimum	10,000	0.25%	0.25%
	No minimum	50,000	0.50%	0.50%
	No minimum	100,000	0.50%	0.50%
	No minimum	500,000	1.25%	1.26%
	No minimum	1,000,000	1.25%	1.26%
Wealth Management Account	10,000	0	1.35%	1.36%
	10,000	50,000	1.50%	1.51%
	10,000	500,000	1.75%	1.76%
*SOLE PROP., NONPROFIT & MUNI:*
N.O.W. Checking	No minimum	No minimum	0.50%	0.50%
Super N.O.W., Municipal Super N.O.W, Municipal MM Checking	No minimum	0	0.25%	0.25%
	No minimum	10,000	0.25%	0.25%
	No minimum	50,000	0.50%	0.50%
	No minimum	100,000	0.50%	0.50%
	No minimum	500,000	0.75%	0.75%
	No minimum	1,000,000	1.00%	1.00%
Liberty CMS	No minimum	0	0.15%	0.15%
	No minimum	10,000	0.15%	0.15%
	No minimum	50,000	0.50%	0.50%
	No minimum	100,000	0.50%	0.50%
	No minimum	500,000	0.75%	0.75%
	No minimum	1,000,000	1.00%	1.01%


*Savings Accounts:*
Passbook Savings	No minimum	50	0.25%	0.25%
Statement Savings	No minimum	50	0.40%	0.40%
	No minimum	1,500	0.40%	0.40%
	No minimum	10,000	0.40%	0.40%
	No minimum	50,000	0.60%	0.60%
	No minimum	100,000	0.75%	0.75%


*Christmas Clubs*
Automatic Savings	5	5	1.00%	1.00%

The rate(s) may change after the account is opened. Fees could reduce the earnings on the account.

Additional Account Disclosure Information and Fee Schedule for Personal Accounts and Services.