Highland Commercial Bank is a privately held independent community bank staffed with your neighbors and friends, who are committed to providing you with quality, professional, hometown service. We are proud of the communities we serve and are committed to supporting and being involved with them. You can rely on the Highland Commercial Bank to handle your financial needs today and in the future.

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Marietta Office

3411 Ernest Barrett Parkway
Marietta, GA 30064
678-569-4250 PHONE
678-569-4275 FAX
8:30 to 5:00 Mon - Fri

Smyrna Office:

1298 Concord Road
Smyrna, GA 30080
770-333-0772 PHONE
678-564-0270 FAX
9:00 to 4:00 Mon - Thurs
9:00 to 6:00 Friday
9:00 to 12:00 Saturday

Rates

Effective: July 17, 2008

CD / IRA Rate Sheet(3)

Term	Minimum Balance	Interest Rate	APY(1)	Compounding Method
182 Day	$500.00	3.35%	3.40%	Monthly
12 Month	$500.00	3.93%	4.00%	Monthly
18 Month	$500.00	3.93%	4.00%	Monthly
24 Month	$500.00	4.12%	4.20%	Monthly
30 Month	$500.00	4.12%	4.20%	Monthly
36 Month	$500.00	4.27%	4.35%	Monthly
48 Month	$500.00	4.41%	4.50%	Monthly
60 Month	$500.00	4.66%	4.75%	Monthly

Personal Rate Sheet(1)(2)

Account	Daily Minimum	Rate	APY(1)	Compounding Method
Interest Checking	$5,000 or more $1,500 - $4,999 $0 to $1,4999	1.98% 1.00% 0.50%	2.00% 1.01% 0.50%	Monthly Monthly Monthly
Castle Platinum NOW Account	$50,000 or more $10,000 - $49,999 $0 - $9,999	2.96% 1.98% 0.50%	3.00% 2.00% 0.50%	Monthly Monthly Monthly
50 Plus Gold	$5,000 or more $1,500 - $4,999 $0 - $1,499	1.00% 0.50% 0.25%	1.01% 0.50% 0.25%	Monthly Monthly Monthly
Money Market Account	$100,000 or more $50,000 - $99,999$10,000 - $49,999 $0 - $9,999	3.20% 2.96% 2.48% 1.50%	3.25% 3.00% 2.50% 1.51%	Monthly Monthly Monthly Monthly
Wee Scot	$0 - more	1.98%	2.00%	Monthly
Regular Savings	$0 - more	1.98%	2.00%	Monthly

Business Rate Sheet(1)(2)

Account	Daily Minimum	Rate	APY(1)	Compounding Method
Business Checking with Interest	$5,000 or more $1,500—$4,999 $0 to $1,4999	1.98% 1.00% 0.50%	2.00% 1.01% 0.50%	Monthly Monthly Monthly
Money Market Account	$100,000 or more $50,000—$99,999 $10,000—$49,999 $0—$9,999	3.20% 2.96% 2.48% 1.50%	3.25% 3.00% 2.50% 1.51%	Monthly Monthly Monthly Monthly
Business Savings	$0—more	1.98%	2.00%	Monthly

(1) APY = Annual Percentage Yield and assumes minimum required balance maintained for a period of one year.
(2) Rates may change after account is opened.
(3) Annual Percentage Yield assumes minimum balance maintained for full Certificate of Deposit term, interest is capitalized (added back) and deposit is renewed at the existing rate for additional periods up to one year. A penalty may be imposed for early withdrawal.

*Annual Percentage Yields are accurate as of the effective date listed.
*Fees could reduce the earnings on the account.

***SUBJECT TO CHANGE WITHOUT NOTICE***

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