Monthly Average Balance	Monthly ATM Rebate*
$0 - $999	None
$1,000 - $2,499	$2.50
$2,500 - $9,999	$5.00
$10,000 plus	$10.00
*Rebates apply only to fees assessed by non Hilltop ATM owners.

Platinum Checking

Daily Balance	Interest Rate	APY*
$0 - $4,999	.10 %	.10 %
$5,000 - $24,999	.10 %	.10 %
$25,000 plus	.10 %	.10 %
* Annual Percentage Yield (APY) is effective as of 1/20/12. The interest rate and APY on this variable rate tiered account is determined at the discretion of the bank, and can change at any time without prior notice. You must deposit $100 to open this account. Fees may reduce earnings. Monthly maintenance fee of $12.00 will be imposed if the balance in the account falls below $1,000 any day of the statement cycle.

PrimeTime Checking

Daily Balance	Interest Rate	APY*
$0 - $4,999	.10 %	.10 %
$5,000 - $24,999	.10 %	.10 %
$25,000 plus	.10 %	.10 %
* Annual Percentage Yield (APY) is effective as of 1/20/12. The interest rate and APY on this variable rate tiered account is determined at the discretion of the bank, and can change at any time without prior notice. You must deposit $100 to open this account. Fees may reduce earnings. This account is limited to individuals age 55 plus and requires no monthly minimum balance.

Statement Savings

Daily Balance	Interest Rate	APY*
$0 - $2,499	.10 %	.10 %
$2,500 plus	.50 %	.50 %
* Annual Percentage Yield (APY) is effective as of 1/20/12. The interest rate and APY on this variable rate tiered account is determined at the discretion of the bank, and can change at any time without prior notice. You must deposit $100 to open this account. Fees may reduce earnings. Quarterly maintenance fee of $6.00 will be imposed if the balance in the account falls below $250 any day of the quarterly statement cycle.

MoneyMax Account

Daily Balance	Interest Rate	APY*
$0 - $9,999	.20 %	.20 %
$10,000 - $24,999	.20 %	.20 %
$25,000 - $49,999	.59 %	.60 %
$50,000 plus	.84 %	.85 %
* Annual Percentage Yield (APY) is effective as of 1/20/12. The interest rate and APY on this variable rate tiered account is determined at the discretion of the bank, and can change at any time without prior notice. You must deposit $1,000 to open this account. Fees may reduce earnings. Monthly maintenance fee of $12.00 will be imposed if the balance in the account falls below $2,500 any day of the statement cycle.

Regular & IRA CDs

Term	Interest Rate	APY*
3 month	.49 %	.50 %
6 month	.54 %	.55 %
7 month	.54 %	.55 %
9 month	.54 %	.55 %
12 month	.84 %	.85 %
24 month	1.09 %	1.10 %
36 month	1.29 %	1.30 %
48 month	1.39 %	1.40 %
60 month	1.49 %	1.50 %
* Annual Percentage Yield (APY) is effective as of 1/20/12 and may be changed without prior notice. Minimum deposit to open certificate of deposit is $500. Minimum balance to earn APY is $500. Substantial penalty for early withdrawal.

Kidz Klub & Youth Savings Account

Daily Balance	Interest Rate	APY*
$0 - $2,499	.10 %	.10 %
$2,500 plus	.50 %	.50 %
* Annual Percentage Yield (APY) is effective as of 1/20/12. The interest rate and APY on this variable rate tiered account is determined at the discretion of the bank, and can change at any time without prior notice. Fees may reduce earnings. You must deposit $10 to open this account. There is no monthly minimum balance required for these accounts.

Safe Deposit Boxes

Size	Price
5 x 5	$65.00
3 x 10	$85.00
5 x 10	$110.00
10 x 10	$250.00

Loan Rates

Personal Unsecured	Term	APR
	1 to 3 years	10.75 %
*APR means Annual Percentage Rate. For every $1,000 borrowed the monthly payment on our personal unsecured loans will be: $88.26 on 12 month loans; $46.49 per month on 24 month loans; $32.62 on 36 month loans. Rates subject to change without notice and are accurate as of 1/1/12.
Fixed Rate Equity	Term	APR
	5 years	3.50 %
	10 years	4.75** %
	15 years	4.75** %
*APR means Annual Percentage Rate. Offer applies to single-family residences with up to 75% loan to value ratio. For every $1,000 borrowed the monthly payment on our equity loans will be: $18.20 on 60 month loans; $10.49 per month on 120 month loans; $7.78 on 180 month loans. Property insurance is required. Interest may be tax deductible, consult your tax advisor. **The 15 and 10 year term Fixed Rate Equity Loans are special promotional offers and are valid only for first lien home equity loans. Other rates and terms available. Offer may be withdrawn without prior notice. Rates subject to change without notice and are accurate as of 1/1/12.
Equity Line of Credit	Term	APR
	20 year term	(Prime minus 1/4%)
	Prime Rate	3.25 %
	Floor Rate	4.50 %
	Current Equity Line Rate	4.50 %
*APR means Annual Percentage Rate. The Equity Line of Credit APR is variable, can change each month and is based on the Wall Street Journal published Prime Rate in effect one day prior to the Change Date ("index") minus .25 percentage points (.25%). The Change Date will be the first day of the billing cycle following an Index change. The minimum APR for this loan is 4.50%. The maximum APR that can apply is 16.0%. Apart from this rate cap, there is no limit on the amount by which the rate can change in any one-year period. Offer applies to single-family owner occupied 1 to 4 family residences with up to 75% loan to value ratio. Property and flood insurance (if applicable) is required. Interest may be tax deductible, consult your tax advisor. There is a $300 cancellation fee effective during the first 12 months of the equity line of credit. Rates subject to change without notice and are accurate as of 1/20/12.

Type Loan	Term	APR
New	48 Months	6.50 %
	60 Months	6.50 %
Used	36 Months	7.25 %
	48 Months	7.25 %
*APR means Annual Percentage Rate. For every $1,000 borrowed the monthly payment on our new car loans will be: $23.72 on 48 month loans and $19.57 per month on 60 month loans. For every $1,000 borrowed the monthly payment on our used car loans will be: $30.99 on 36 month loans and $24.07 per month on 48 month loans. Rates subject to change without notice and are accurate as of 1/1/12.