All rates are intended for the local COMMUNITIES that we serve and not for entities outside of our communities.

Rates Effective As Of March 11, 2010

DEPOSIT ACCOUNTS

Account Name	Interest Rate	APY*
Heritage Checking Account	0.100%	0.10%
BSB Free Checking Account	0.100%	0.10%
BSB Prestige Checking Account:
$0.00 - 9,999.99	0.100%	0.10%
$10,000.00 - 19,999.99	0.200%	0.20%
$20,000.00 - 49,999.99	0.200%	0.20%
$50,000.00 - 74,999.99	0.499%	0.50%
$75,000.00 - 99,999.99	0.499%	0.50%
$100,000.00 - 249,999.99	0.747%	0.75%
$250,000.00 and above	0.747%	0.75%
Savings Account	0.200%	0.20%
BSB Prestige Savings Account:
$0.00 - 49,999.99	0.200%	0.20%
$50,000.00 - 99,999.99	0.499%	0.50%
$100,000.00 and above	0.748%	0.75%
Money Market Account:
$10,000.00 - 24,999.99	0.499%	0.50%
$25,000.00 - 49,999.99	0.598%	0.60%
$50,000.00 - 74,999.99	0.698%	0.70%
$75,000.00 - 99,999.99	0.797%	0.80%
$100,000.00 - 249,999.99	0.896%	0.90%
$250,000.00 - and above	0.995%	1.00%
Health Savings Account (HSA)	0.747%	0.75%

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CERTIFICATES OF DEPOSIT

Term	$1,000.00 to $4,999.99		$5,000.00 to $9,999.99
	Interest Rate	APY*	Interest Rate	APY*
91 Day	0.495%	0.50%	0.495%	0.50%
182 Day	0.695%	0.70%	0.695%	0.70%
12 Month	0.995%	1.00%	0.995%	1.00%
18 Month	1.340%	1.35%	1.340%	1.35%
24 Month	1.740%	1.75%	1.740%	1.75%
36 Month	2.325%	2.35%	2.325%	2.35%
48 Month CD Special	2.475%	2.50%	2.475%	2.50%
60 Month	2.960%	2.99%	2.960%	3.00%
Prime Time CD-Variable Rate - 21 Months
Monthly Interest	N/A	N/A	1.950%	1.97%
Quarterly Interest	1.950%	1.96%	N/A	N/A

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INDIVIDUAL RETIREMENT ACCOUNTS

Type	Interest Rate	APY*
IRA 18 Months / Quarterly Interest	1.250%	1.26%
IRA 24 Months / Quarterly Interest	1.650%	1.66%
IRA 36 Months / Quarterly Interest	2.235%	2.25%
IRA 48 Months / Quarterly Interest	2.385%	2.41%
IRA 60 Months / Quarterly Interest	2.870%	2.90%

*APY = Annual Percentage Yield
Rates are subject to change without notice. A penalty may be imposed for early withdrawal.