Gulf State Community Bank

Interest Rates are current as of September 7, 2010

Rates are subject to change at any time.

To view rate information click on the links below.

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CDs

Term	Interest Rate	APY*	Minimum Opening Deposit
6 Month CD	1.09%	1.10%	$1,000.00
12 Month CD	1.29%	1.30%	$1,000.00
24 Month CD	1.74%	1.75%	$1,000.00
36 Month CD	2.03%	2.05%	$1,000.00

* APY = Annual Percentage Yield

A penalty may be imposed for early withdrawal of funds.

IRAs

Additional Fixed Rate Terms available upon request.

Account Type	Interest Rate	APY*	Minimum Opening Deposit
IRA - Variable Rate This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account	1.45%	1.46%	$100.00
IRA - 12 Month CD A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account	1.45%	1.46%	$500.00
IRA - 24 Month CD A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account	1.85%	1.87%	$500.00
IRA - 36 Month CD A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account	2.15%	2.17%	$500.00

* APY = Annual Percentage Yield

CDARs

Through CDARS, the Certificate of Deposit Account Registry Service, offered thru the Promontory Interfinancial Network, large deposits can now be placed by Gulf State Community Bank into smaller denomination CDs at multiple institutions, providing you the safety of FDIC insurance for your large deposits and the convenience of a single relationship. You earn one rate on the entire investment. The one statement you receive from Gulf State Community Bank lists all of the CD's, along with the issuing banks, maturity dates, interest earned, and other details. By providing you with access to up to $30 million in Federal deposit insurance coverage, CDARS can be an important and time saving investment tool. For more information about CDARs, please visit http://www.cdars.com.

* APY = Annual Percentage Yield

Money Market

Balance Required to Earn APY	Rate	APY*
$ 0.00 - $ 3,999.99	0.25%	0.25%
$ 4,000.00 - $ 19,999.99	0.25%	0.25%
$ 20,000.00 - $ 49,999.99	0.75%	0.75%
$ 50,000.00 - $ 99,999.99	0.75%	0.75%
$100,000.00 and over	1.00%	1.00%

* APY = Annual Percentage Yield

Checking

Account Type	Interest Rate	APY*	Minimum Opening Deposit
Community Premier			$100.00
$0.00 - $4,999.99	0.50%	0.50%
$5,000.00 and over	0.86%	0.86%
Community Fifty	0.86%	0.86%	$100.00
Community Plus	0.50%	0.50%	$100.00

* APY = Annual Percentage Yield

Member FDIC | Equal Housing Lender

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