Rates for Michigan branches.

All rates effective 08-14-2008

CERTIFICATES OF DEPOSIT
Term	Interest Rate	Annual Percentage Yield	Interest Compounded	Interest Credited	Minimum Required to Open and Earn APY
6 Month (18)	2.68%	2.70%	None	At Maturity	$1,000
1 Year (28)	2.86%	2.89%	Quarterly	Quarterly	$1,000
Savings for the Future 1 Year w/ additions (42)	1.99%	2.00%	Quarterly	Quarterly	$25
2 Year (27)	3.35%	3.39%	Quarterly	Quarterly	$1,000
3 Year (05)	3.69%	3.74%	Quarterly	Quarterly	$1,000
5 Year (09)	4.18%	4.25%	Quarterly	Quarterly	$1,000

An early withdrawal penalty is imposed on withdrawals of principal prior to maturity.
FDIC Insured

PREFERRED CERTIFICATES OF DEPOSIT (with Gold Checking)*
Term	Interest Rate	Annual Percentage Yield	Interest Compounded	Interest Credited	Minimum Required to Open and Earn APY
6 Month (18)	2.93%	2.95%	None	At Maturity	$1,000
1 Year (28)	3.11%	3.15%	Quarterly	Quarterly	$1,000
Savings for the Future 1 Year w/ additions (42)	2.24%	2.26%	Quarterly	Quarterly	$25
2 Year (27)	3.60%	3.65%	Quarterly	Quarterly	$1,000
3 Year (05)	3.94%	4.00%	Quarterly	Quarterly	$1,000
5 Year (09)	4.43%	4.50%	Quarterly	Quarterly	$1,000

An early withdrawal penalty is imposed on withdrawals of principal prior to maturity.
***See full disclosures at bottom of page
FDIC Insured

SAVINGS AND MONEY MARKET ACCOUNTS

Account

Interest Rate

Annual Percentage Yield

Daily Minimum Required To Earn APY

Interest Compounded/ Credited

Minimum Required to Open/ Avoid Fees

Regular Savings (01)

0.50%

$25

Quarterly

$25/ $25

Free & Easy Kids Club Savings (02)

0.50%

$10

Quarterly

$10/ $0

IRA Savings (37)

2.62%
0.20%

2.65%
0.20%

$1,000
$250

Monthly

$1,000/ $0

Ultimate Money Market* (49)

2.13%
1.74%
0.50%

2.15%
1.75%
0.50%

$10,000
$2,400
$0

Monthly

$2,400/ $500

The interest rate and APY are subject to change after the account is opened. Fees could reduce earnings.
*The minimum to avoid fees is $500 average balance. If the average balance falls below $500 there will be a monthly fee of $10.
The Free & Easy Kids Club Savings is available for minors under 21 years of age. After minor turns 21, account will automatically convert to a Regular Savings account.
FDIC Insured

CHECKING ACCOUNTS

Account

Interest Rate

Annual
Percentage Yield

Daily Minimum Required to Earn APY

Interest Compounded/ Credited

Features

Free & Easy Checking (05)

N/A

Minimum to open is $25. No minimum balance to maintain the account. No monthly service charge, no per check charge, free checks (wallet blue specialties). Personal accounts only.

50+ (11)

0.20%

Monthly

Minimum to open is $25. No minimum balance to maintain the account. No monthly service charge. No per check charge, Free checks (wallet blue specialties).
Must be 50 or older.

Health Savings Account (44)

0.20%

Monthly

Minimum Balance to open is $100. No minimum balance to maintain the account. No monthly service charge, no per check charge, first set of checks free (50 special H S A checks). The Health Savings Account (H S A) is designated for covering medical expenses. See branch for details.

Gold Checking*** (60)

0.25%

0.50%

1.00%

$0

$2,400

$10,000

Monthly

Monthly

Monthly

Minimum balance to open is $100. Unlimited service charge free ATM transactions (ATM owner usage fee may apply). Free money orders, travelers checks, and overdraft transfers (system generated). Free checks (wallet blue specialties) or 50% off any other check style. Monthly service fee of $18 if average monthly combined balance in checking, savings, CD, money market or IRA accounts falls below $10,000. Personal accounts only.

The interest rate and APY are subject to change after the account is opened.
Fees could reduce earnings.
FDIC Insured

BUSINESS ACCOUNTS
Account	Interest Rate	Annual Percentage Yield	Daily Minimum Required to Earn APY	Interest Compounded/ Credited	Minimum Required to Open
Regular Business Savings (12)	0.50%	0.50%	$250	Quarterly	$100
Business Ultimate Money Market (16)	1.74% 0.20%	1.75% 0.20%	$2,400 $500	Monthly	$2,400
Business Ultimate Plus Money Market (28)*	1.98% 1.74%	2.00% 1.75%	$25,000 $2,400	Monthly	$2,400
Attorney IOLTA Checking (12)	0.20%	0.20%	$0	Monthly	$50

* Active business checking account required.
The interest rate and APY are subject to change after the account is opened. Fees could reduce earnings. FDIC Insured.

ACCOUNT	FEATURES
Totally Free* Business Checking (39)	Minimum Balance to open account is $100. No minimum balance requirement. No monthly maintenance fee. No transaction fees per statement.**
Basic Business Checking (32)	Minimum Balance to open account is $100. No minimum balance requirement. No monthly maintenance fee. 50 FREE transactions per statement. Over 50 transactions $.20 each per statement.
Premier Business Checking (33)	Minimum Balance to open account is $100. Average available balance requirement $1,500. Monthly maintenance fee(if average available balance falls below $1,500) is $8.25. FREE 200 transactions per statement . Over 200 transactions $.20 each per statement.
Commercial Checking (34)	Minimum Balance to open account is $100. Average available balance requirement is $10,000. Monthly maintenance fee (if average available balance falls below $10,000) is $8.25. Per transaction ** fee $.12 each. Earnings Credit can offset fees charged.
Attorney IOLTA Checking (12)	No minimum balance, monthly service charge or per check charge. All interest paid on this account, less any service charges or fees imposed on the account if any, will be submitted annually to the appropriate agency. Statement copies are mailed monthly to the appropriate agency with each interest remittance. The original statement is mailed to the attorney/law firm establishing the account.

* For each Totally Free Business Checking account opened, one of the following BestBank products must be open and active to qualify: Personal Checking, Personal or Business Money Market, Certificate of Deposit, Credit Card or Auto Loan, Mortgage Loan, Equity Loan/Line of Credit, Business Loan or Line of Credit. If the additional account is closed, your checking will be transferred to another BestBank Business Checking product where balance and transaction fees may apply. Customer purchases checks. Fees for services, such as cash/coin orders still apply, refer to fee listing. BestBank reserves the right to transfer the account to our Commercial Checking if the account has excessive transactions in relation to balances.

**A transaction is defined as: check written, transfer, deposit ticket processed, deposit item, ACH or other account debits or credits. For checks presented to the bank on the same day, the bank reserves the right to debit customer's account in any order. A monthly statement is produced at the end of each month for each account reconciliation. Must provide a copy of corporate Resolution at time of opening account. For any other terms and conditions of your account refer to our Deposit Disclosure.

***The Interest Rate on certificates for Gold Checking customers will be a variable rate. Account owner(s) who have a Gold checking account with an average monthly balance of $2400.00 or greater will receive a Preferred Certificate of Deposit Interest Rate on certificates opened on or after February 1, 2008 that is 0.25% higher than the Certificate of Deposit Interest Rate in effect on the day the certificate is opened. If the Gold checking was opened prior to the certificate opening date the Preferred Certificate of Deposit Interest Rate will be effective on the certificate opening date. If the Gold checking is opened on or after the opening date of the certificate, the Preferred Certificate of Deposit Interest Rate will be effective the next business day after the Gold Checking opening date. If the Gold Checking account is closed, the Interest Rate will revert to the Certificate of Deposit Interest Rate that was in effect on the date the certificate was opened. For any month that the Gold checking account average monthly balance, calculated at month end, falls below $2400.00 the Interest Rate will revert to the Certificate of Deposit Interest Rate that was in effect on the date the certificate was opened, for the following month.

The rates advertised on this page are for the Michigan offices of BestBank.

Call or Visit your Local BestBank office, as specials vary by branch.

For more detailed information on any of BestBank's accounts or for information on opening an account, please contact our Customer Service Center at:

1-800-235-4636 or
E-mail us at customer.service@gbmail.com

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorist and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Have any questions?

	Call Us 1-800-235-INFO (4636)
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Rates for Michigan branches.

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