Interest rates are current as of September 1, 2010.
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)	0.2000%	0.20%
Pers MMDA Tier 2 ($2,500-$7,499)	0.3000%	0.30%
Pers MMDA Tier 3 ($7,500-$24,999)	0.5000%	0.50%
Pers MMDA Tier 4 ($25,000-$49,999)	0.6000%	0.60%
Pers MMDA Tier 5 ($50,000 or more)	0.8000%	0.80%

Lotus Premium Money Market

Balance Tiers	Interest Rate	Annual Percentage Yield
Prem MM Tier 1 ($0-$9,999)	0.3500%	0.35%
Prem MM Tier 2 ($10,000-$24,999)	1.0000%	1.00%
Prem MM Tier 3 ($25,000-$49,999)	1.2000%	1.21%
Prem MM Tier 4 ($50,000-$99,999)	1.3500%	1.36%
Prem MM Tier 5 ($100,000 or more)	1.5000%	1.51%

Business Money Market

Balance Tiers	Interest Rate	Annual Percentage Yield
Coml MMDA Tier 1 ($0-$9,999)	0.2000%	0.20%
Coml MMDA Tier 2 ($10,000-$24,999)	0.3000%	0.30%
Coml MMDA Tier 3 ($25,000-$49,999)	0.9500%	0.95%
Coml MMDA Tier 4 ($50,000-$99,999)	1.1500%	1.16%
Coml MMDA Tier 5 ($100,000 or more)	1.3000%	1.31%

Lotus Premium Checking *

Balance Tiers	Interest Rate	Annual Percentage Yield
Pers NOW Tier 1 ($0-$2,499)	0.1500%	0.15%
Pers NOW Tier 2 ($2,500-$9,999)	0.2000%	0.20%
Pers NOW Tier 3 ($10,000-$24,999)	0.3000%	0.30%
Pers NOW Tier 4 ($25,000-$49,999)	0.5000%	0.50%
Pers NOW Tier 5 ($50,000 or more)	0.6000%	0.60%

Lotus Emerald Checking

Balance Tiers	Interest Rate	Annual Percentage Yield
Emerald Tier 1 ($0-$2,499)	0.1500%	0.15%
Emerald Tier 2 ($2,500-$9,999)	0.2500%	0.25%
Emerald Tier 3 ($10,000-$24,999)	0.4000%	0.40%
Emerald Tier 4 ($25,000-$49,999)	0.5000%	0.50%
Emerald Tier 5 ($50,000 or more)	0.7000%	0.70%

Lotus Premium Plus Checking

Balance Tiers	Interest Rate	Annual Percentage Yield
Prem + Tier 1 ($0-$9,999)	0.2500%	0.25%
Prem + Tier 2 ($10,000-$24,999)	0.4000%	0.40%
Prem + Tier 3 ($25,000-$74,999)	0.5000%	0.50%
Prem + Tier 4 ($75,000 or more)	0.7000%	0.70%

Business NOW

Balance Tiers	Interest Rate	Annual Percentage Yield
Coml NOW Tier 1 ($0-$999)	0.1000%	0.10%
Coml NOW Tier 2 ($1,000-$3,499)	0.1500%	0.15%
Coml NOW Tier 3 ($3,500-$9,999)	0.2000%	0.20%
Coml NOW Tier 4 ($10,000-$24,999)	0.2500%	0.25%
Coml NOW Tier 5 ($25,000 or more)	0.3500%	0.35%

Certificates of Deposit

Personal	Interest Rate	Annual Percentage Yield
Personal 1 Mo CD	0.1500%	0.15%
Personal 3 Mo CD	0.2000%	0.20%
Personal 6 Mo CD	0.4500%	0.45%
Personal 1 Yr CD	1.0000%	1.00%
Personal 2 Yr CD	1.3000%	1.31%
Personal 3 Yr CD	1.6500%	1.66%
Personal 4 Yr CD	2.0500%	2.07%
Personal 5+ Yr CD	2.3000%	2.32%
Personal Variable Rate CD	0.2000%	0.20%
Business	Interest Rate	Annual Percentage Yield
Commercial 1 Mo CD	0.1500%	0.15%
Commercial 3 Mo CD	0.2000%	0.20%
Commercial 6 Mo CD	0.4500%	0.45%
Commercial 1 Yr CD	1.0000%	1.00%
Commercial 2 Yr CD	1.3000%	1.31%
Commercial 3 Yr CD	1.6500%	1.66%
Commercial 4 Yr CD	2.0500%	2.07%
Commercial 5+ Yr CD	2.3000%	2.32%
Commercial Variable Rate CD	0.2000%	0.20%

IRAs

	Interest Rate	Annual Percentage Yield
3 Mo IRA	0.2000%	0.20%
1 Yr IRA	1.0000%	1.00%
2 Yr IRA	1.3000%	1.31%
3 Yr IRA	1.6500%	1.66%
4 Yr IRA	2.0500%	2.07%
5+ Yr IRA	2.3000%	2.32%
Variable Rate IRA	0.2000%	0.20%

Personal Savings

Balance Tiers	Interest Rate	Annual Percentage Yield
Savings Tier 1 ($0-$999)	0.1500%	0.15%
Savings Tier 2 ($1,000-$2,499)	0.1500%	0.15%
Savings Tier 3 ($2,500-$7,499)	0.2000%	0.20%
Savings Tier 4 ($7,500-$24,999)	0.2500%	0.25%
Savings Tier 5 ($25,000 or more)	0.3000%	0.30%

Business Savings

Balance Tiers	Interest Rate	Annual Percentage Yield
Bus Sav Tier 1 ($0-$9,999)	0.1000%	0.10%
Bus Sav Tier 2 ($10,000-$24,999)	0.2000%	0.20%
Bus Sav Tier 3 ($25,000-$39,999)	0.2500%	0.25%
Bus Sav Tier 4 ($40,000-$74,999)	0.3000%	0.30%
Bus Sav Tier 5 ($75,000 or more)	0.3500%	0.35%

*These accounts are no longer offered