Personal Interest Checking Rates

Account		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain A.P.Y.
Sterling Interest Checking		0.10%		0.10%		$50		$0.01
Sterling Personal Money Market		0.30% 0.80% 1.19%		0.30% 0.80% 1.20%		$1,000 – $24,999 $25,000 – $49,999 $50, 000 – Up		$1,000 $25,000 $50,000
Sterling Select Personal Money Market		1.14%		1.15%		$10,000		$0.01
Sterling Silver 50 Club		0.10%		0.10%		$50		$0.01
Sterling Platinum NOW		2.47%		2.50%		$5,000		$5,000

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings.

Personal Savings Rates

Account		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain A.P.Y.
Sterling Statement Savings		0.10%		0.10%		$50		$0.01
Sterling Select Statement Savings		1.73%		1.75%		$1,000		$0.01
Sterling Premium Passbook Savings		0.10%		0.10%		$10		$0.01
Sterling Kids Club Passbook Savings		0.10%		0.10%		$0.25		$0.01
Sterling Platinum Savings		2.71%		2.75%		$5,000		$5,000

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings.

Club Account Rates

Account		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain A.P.Y.
Holiday/Vacation Club		0.10%		0.10%		None		$0.01

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings.

Business Interest Checking Rates

Account		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain Interest
Sterling Business Interest Checking		0.10%		0.10%		$50		$0.01
Sterling Business Money Market Account		0.10% 0.15% 0.20%		0.10% 0.15% 0.20%		$2,500-$99,999 $100,000-$499,999 $500,000-UP		$2,500 $100,000 $500,000
Sterling Select Business Money Market		0.25% 0.75% 0.90%		0.25% 0.75% 0.90%		$25,000-$199,999 $200,000-$749,999 $750,000-UP		$25,000 $200,000 $750,000

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings.

Business Savings Rates

Account		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain Interest
Sterling Business Statement Savings		0.10%		0.10%		$50		$0.01
Sterling Select Business Statement Savings		1.73%		1.75%		$1,000		$0.01

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings.

Certificates of Deposit

CD Term		Interest Rate		A.P.Y.*		Minimum Balance Required to Open Account		Minimum Balance Required to Obtain A.P.Y.
32 days		1.49%		1.50%		$500		$500
91 days		1.73%		1.75%		$500		$500
182 days		2.08%		2.10%		$500		$500
12 months		2.86%		2.90%		$500		$500
24 months		3.15%		3.20%		$500		$500
36 months		3.73%		3.80%		$500		$500
48 months		3.73%		3.80%		$500		$500
60 months		3.92%		4.00%		$500		$500

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. All rates and A.P.Y.'s are fixed unless otherwise indicated. Substantial penalty for early withdrawal.

*SPECIALS* Certificate of Deposit

CD Term		Interest Rate		A.P.Y.*		Minimum Balance Required to Open Account		Minimum Balance Required to Obtain A.P.Y
8 months		3.20%		3.25%		$500		$500
14 months		3.44%		3.50%		$500		$500
30 months		3.92%		4.00%		$500		$500

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings. Substantial penalty for early withdrawal.

Individual Retirement Accounts (IRAs)

IRA Savings		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain A.P.Y.
IRA Statement Savings		0.10%		0.10%		$100		$100

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings. Substantial penalty for early withdrawal.

Individual Retirement Accounts (IRAs)

IRA - CD Term		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain A.P.Y.
182 days		2.08%		2.10%		$500		$500
12 months		2.86%		2.90%		$500		$500
24 months		3.15%		3.20%		$500		$500
36 months		3.73%		3.80%		$500		$500
48 months		3.73%		3.80%		$500		$500
60 months		3.92%		4.00%		$500		$500

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. All rates and A.P.Y.'s are fixed unless otherwise indicated. Substantial penalty for early withdrawal.

*SPECIALS* Individual Retirement Accounts (IRAs)

CD Term		Interest Rate		A.P.Y.*		Minimum to Open Account		Minimum Balance Required to Obtain A.P.Y.
8 months		3.20%		3.25%		$500		$500
14 months		3.44%		3.50%		$500		$500
30 months		3.92%		4.00%		$500		$500

*Annual Percentage Yield - effective as of July 2, 2008. Rates subject to change without notice. Fees could reduce earnings. Substantial penalty for early withdrawal.

Home Equity Loans

Term		Amount Borrowed		Annual Percentage Rate (A.P.R.)*		Monthly Payments for Each $1,000 Borrowed
12 months		$5,000 and up		6.24%		$86.18(12 months)
24 months		$5,000 and up		6.24%		$44.43(24 months)
36 months		$5,000 and up		6.24%		$30.53(36 months)
48 months		$5,000 and up		6.24%		$23.60(48 months)
60 months		$5,000 and up		6.24%		$19.44(60 months)
72-120 months		$5,000 and up		6.49%		$11.35(120 months)
132-180 months		$5,000 and up		6.74%		$8.84(180 months)
192-240 months		$5,000 and up		6.94%		$7.72(240 months)

The above rates apply to new loans up to 80% loan-to-value and are effective July 2, 2008. Payment amounts may vary. Additional .50% discount for AUTOMATIC deduction from a Sterling Bank account. Rates are subject to change without notice. Customers must meet standard income and credit criteria. Title Insurance is required for loans of $250,000.00 or more.

Home Equity Lines of Credit

Line		Annual Percentage Rate (A.P.R.)		Required LTV Ratio
$5,000 and up		5.00% (Wall Street Journal Prime)		80%
$5,000 and up		5.50% (WSJP + 0.50%)		85%
$5,000 and up		6.00% (WSJP + 1%)		86-90%

Rates are effective July 2, 2008 and are subject to change without notice. Rate may vary after consummation. Customers must meet income and credit criteria. Title Insurance is required for lines of $250,000.00 or more. No Discount for auto deduction on Home Equity Lines of Credit.