Soy Capital Bank and Trust Company: Personal Services

NEW ACCOUNTS	BALANCE REQUIREMENTS	MONTHLY FEES	INTEREST*	EXTRA FEATURES
CHECKING ACCOUNTS
SIMPLY SMART (Replaces - Regular Checking, Bonus and Bonus Plus, Timeless and Timeless Plus, Simply Good and Simply Great)	Minimum opening balance $100.00	$10.00 monthly (fee can be avoided if a daily balance of $1000.00 is maintained)	$1,000.00 daily minimum balance	Unlimited Check Writing On Line Banking On Line Bill Pay TeleBank Sweep From Linked accounts Unlimited ATM Transactions One Free Box of Select Style Checks per Year
SIMPLY SOY (Replaces - Simply Free, Economy, Senior Citizen Checking)	Minimum opening balance $25.00	$4.00 monthly (fee can be avoided by having a direct deposit or Sign upfor e-statements)	None	Unlimited Check Writing On Line Banking On Line Bill Pay TeleBank Sweep From Linked accounts Unlimited ATM Transactions
NEW PRODUCT
SOY FRESH START (Designed for the unbanked individual)	Minimum opening balance $50.00 (Soy Capital Bank reserves the right to close account at any time)	$12.00 monthly Fee (Can be reduced by $2.00 with a direct deposit)	None	No Minimum Balance No Per Item Fee On Line Banking TeleBank ATM/Debit Card (not available until 6 months of no overdrafts)
*interest rates are subject to change without notice

Account	Money Market Deposit Account	Certificates of Deposit	Passbook Savings
Recommended For	Customers who want to earn interest on their deposits and write a low number of checks.	Customers who want to maximize earnings on their deposits.	Customers who want to earn interest on their deposits and also want convenient access to their funds.
Minimum Initial Deposit	$2,500.00	$2,500.00 Under 12 Months $500.00 Over 12 Months	$100.00
Statement Cycle	Monthly	Term	Quarterly
Special Features	Unlimited deposits and 6 transactions per cycle Interest on account, 4 tiers available SoyBank Anywhere Online Banking TeleBank 24 Hour Account Information	Interest Compounded and Credited Semi-Annually or Credited to an Account of Your Choice Fixed Interest Rate and Annual Percentage Yield (APY) Terms Available Ranging From 7 Days to 60 Months Convenient Automatic Renewal	6 Preauthorized telephone or Automatic Transfers per month Interest Compounded and Credited Each Quarter Automatic Savings Plan Available ATM Card Available 24 Hour Account Information Through TeleBank
Service Charges & Other Fees	$10.00 Monthly Service Charge if Balance Falls Below $2,500.00 Any Day of Cycle $5.00 Fee for Each Debit Transaction in Excess of 6 During Monthly Statement Cycle	Substantial Penalty for Early Withdrawal	$5.00 Service Charge if Balance Falls Below $100.00 Any Day of the Month After 3 Withdrawals Per Month, $2.00 Per Withdrawal