SAVINGS RATES - LOCAL

      Effective  August 23, 2010

NCB REGULAR SAVE $0 - $9,999 0.00% $10,000 - $99,999 0.75% $100,000 - $249,999 1.35% $250,000 - $499,999 1.90% $500,000 - 1,999,999 2.65% $2,000,000 - $4,999,999 2.80% $5,000,000 & Over 2.90%  NCB GOLD CLUB $0 - $9,999 0.00% $10,000 - $99,999 1.80% $100,000 - $249,999 2.50% $250,000 - $499,999 3.00% $500,000 - 1,999,999 3.75% $2,000,000 - $4,999,999 3.90% $5,000,000 & Over 4.00%

NCB SUNSHINE SAVERS $0 - $9,999 0.00% $10,000 - $99,999 0.75% $100,000 - $249,999 1.35% $250,000 - $499,999 1.90% $500,000 - 1,999,999 2.65% $2,000,000 - $4,999,999 2.80% $5,000,000 & Over 2.90%  NCB S.T.A.R.T. $0 - $1,999 0.00% $2,000 - $9,999 0.50% $10,000 - $99,999 0.70% $100,000 - $249,999 1.30% $250,000 - $499,999 1.85% $500,000 - $1,999,999 2.60% $2,000,000 - $4,999,999 2.75% $5,000,000 & Over 2.85%

SUNSHINE SAVERS BONUS (Additional 1% if account balance increases by at least $15,000 per 3 month interest period. The three (3) month interest periods are December – February, March – May, June – August, September – November.)

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