Interest Rates are current as of August 12, 2008.
Actual rates may vary. Please call your Lotus Banker at
(248) 735-1000 for additional information.

Lotus Money Market

Balance Tiers	Interest Rate	Annual Percentage Yield
Pers MMDA Tier 1 ($0-$2,499)	0.7500%	0.75%
Pers MMDA Tier 2 ($2,500-$7,499)	1.1000%	1.11%
Pers MMDA Tier 3 ($7,500-$24,999)	1.3000%	1.31%
Pers MMDA Tier 4 ($25,000-$49,999)	1.5000%	1.51%
Pers MMDA Tier 5 ($50,000 or more)	2.0000%	2.02%

Lotus Premium Money Market

Balance Tiers	Interest Rate	Annual Percentage Yield
Prem MM Tier 1 ($0-$9,999)	2.1000%	2.12%
Prem MM Tier 2 ($10,000-$24,999)	2.3500%	2.38%
Prem MM Tier 3 ($25,000-$49,999)	2.8500%	2.89%
Prem MM Tier 4 ($50,000-$99,999)	3.1000%	3.14%
Prem MM Tier 5 ($100,000 or more)	3.3500%	3.40%

Business Money Market

Balance Tiers	Interest Rate	Annual Percentage Yield
Coml MMDA Tier 1 ($0-$9,999)	1.5000%	1.51%
Coml MMDA Tier 2 ($10,000-$24,999)	1.8500%	1.87%
Coml MMDA Tier 3 ($25,000-$49,999)	2.2500%	2.27%
Coml MMDA Tier 4 ($50,000-$99,999)	2.8500%	2.89%
Coml MMDA Tier 5 ($100,000 or more)	3.3000%	3.35%

Lotus Premium Checking

Balance Tiers	Interest Rate	Annual Percentage Yield
Pers NOW Tier 1 ($0-$2,499)	0.5000%	0.50%
Pers NOW Tier 2 ($2,500-$9,999)	0.6500%	0.65%
Pers NOW Tier 3 ($10,000-$24,999)	0.9500%	0.95%
Pers NOW Tier 4 ($25,000-$49,999)	1.2500%	1.26%
Pers NOW Tier 5 ($50,000 or more)	1.3500%	1.36%

Lotus Emerald Checking

Balance Tiers	Interest Rate	Annual Percentage Yield
Emerald Tier 1 ($0-$2,499)	0.5500%	0.55%
Emerald Tier 2 ($2,500-$9,999)	0.7000%	0.70%
Emerald Tier 3 ($10,000-$24,999)	1.0000%	1.00%
Emerald Tier 4 ($25,000-$49,999)	1.3000%	1.31%
Emerald Tier 5 ($50,000 or more)	1.4000%	1.41%

Lotus Premium Plus Checking

Balance Tiers	Interest Rate	Annual Percentage Yield
Prem + Tier 1 ($0-$9,999)	1.0000%	1.00%
Prem + Tier 2 ($10,000-$24,999)	1.2500%	1.26%
Prem + Tier 3 ($25,000-$74,999)	1.6000%	1.61%
Prem + Tier 4 ($75,000 or more)	1.7500%	1.76%

Business NOW

Balance Tiers	Interest Rate	Annual Percentage Yield
Coml NOW Tier 1 ($0-$999)	0.2500%	0.25%
Coml NOW Tier 2 ($1,000-$3,499)	0.3500%	0.35%
Coml NOW Tier 3 ($3,500-$9,999)	0.4000%	0.40%
Coml NOW Tier 4 ($10,000-$24,999)	0.5500%	0.55%
Coml NOW Tier 5 ($25,000 or more)	0.7000%	0.70%

Certificates of Deposit

Personal	Interest Rate	Annual Percentage Yield
Personal 1 Mo CD	1.5000%	1.51%
Personal 3 Mo CD	2.0000%	2.02%
Personal 6 Mo CD	2.7300%	2.75%
Personal 1 Yr CD	3.2500%	3.30%
Personal 2 Yr CD	3.5000%	3.56%
Personal 3 Yr CD	3.7500%	3.82%
Personal 4 Yr CD	4.0000%	4.07%
Personal 5+ Yr CD	4.2500%	4.33%
Personal Variable Rate CD	1.5000%	1.50%
Business	Interest Rate	Annual Percentage Yield
Commercial 1 Mo CD	1.7500%	1.76%
Commercial 3 Mo CD	2.1000%	2.12%
Commercial 6 Mo CD	2.7300%	2.75%
Commercial 1 Yr CD	3.2500%	3.30%
Commercial 2 Yr CD	3.5000%	3.56%
Commercial 3 Yr CD	3.7500%	3.82%
Commercial 4 Yr CD	4.0000%	4.07%
Commercial 5+ Yr CD	4.2500%	4.33%
Commercial Variable Rate CD	1.5000%	1.50%

IRAs

	Interest Rate	Annual Percentage Yield
3 Mo IRA	2.0000%	2.02%
1 Yr IRA	3.2500%	3.30%
2 Yr IRA	3.5000%	3.56%
3 Yr IRA	3.7500%	3.82%
4 Yr IRA	4.0000%	4.07%
5+ Yr IRA	4.2500%	4.33%
Variable Rate IRA	1.5000%	1.50%

Personal Savings

Balance Tiers	Interest Rate	Annual Percentage Yield
Savings Tier 1 ($0-$999)	0.3500%	0.35%
Savings Tier 2 ($1,000-$2,499)	0.4000%	0.40%
Savings Tier 3 ($2,500-$7,499)	0.4500%	0.45%
Savings Tier 4 ($7,500-$24,999)	0.5000%	0.50%
Savings Tier 5 ($25,000 or more)	0.6000%	0.60%

Business Savings

Balance Tiers	Interest Rate	Annual Percentage Yield
Bus Sav Tier 1 ($0-$9,999)	0.5000%	0.50%
Bus Sav Tier 2 ($10,000-$24,999)	0.6000%	0.60%
Bus Sav Tier 3 ($25,000-$39,999)	0.7500%	0.75%
Bus Sav Tier 4 ($40,000-$74,999)	0.9000%	0.90%
Bus Sav Tier 5 ($75,000 or more)	1.0000%	1.00%