interest rates

Rates are effective as of April 30, 2008. (rates subject to change)
Fees could reduce the earnings on the account. Please use the following details to wire funds into your Monument Bank Account:

Demand (b)
Account	MIN. OPENING DEPOSIT	MIN. DAILY BALANCE TO OBTAIN APY *	INTEREST RATE	ANNUAL PERCENTAGE RATE
Golden Checking
$1,000-$9,999.99	$0	$1,000	1.99%	2.00%
$10,000-$24,999.99	$0	$1,000	2.23%	2.25%
$25,000 +	$0	$1,000	2.42%	2.45%

1

Money Market (b)
Account	MIN. OPENING DEPOSIT	MIN. DAILY BALANCE TO OBTAIN APY *	INTEREST RATE	ANNUAL PERCENTAGE RATE
Money Market
$0-$4,999.99	$0	N/A	1.49%	1.50%
$5,000-$24,999.99	$0	$1,000	2.47%	2.50%
$25,000 - $49,999.99	$0	$1,000	2.47%	2.50%
$50,000 +	$0	$50,000	2.57%	2.60%

Repurchase (b)
Account	MIN. OPENING DEPOSIT	MIN. DAILY BALANCE TO OBTAIN APY *	INTEREST RATE	ANNUAL PERCENTAGE RATE
REPO
$0 +	$0	N/A	1.24%	1.25%

Savings (b)
Account	MIN. OPENING DEPOSIT	MIN. DAILY BALANCE TO OBTAIN APY *	INTEREST RATE	ANNUAL PERCENTAGE RATE
Savings
$0 +	$100.00	N/A	2.47%	2.50%
Student Savings
$0 +	$10.00	N/A	2.47%	2.50%

       (b) The interest rate and annual percentage yield may change after account opening

Rates are effective as of April 30, 2008. (rates subject to change)
Fees could reduce the earnings on the account.

Certificates of Deposit
Account	MIN. OPENING DEPOSIT	MIN. DAILY BALANCE TO OBTAIN APY *	INTEREST RATE	ANNUAL PERCENTAGE RATE
CD Terms:
3 months (a)	$500	$500	2.13%	2.15%
6 months (a)	$500	$500	2.27%	2.30%
9 months (a)	$500	$500	2.47%	2.50%
1 year (a)	$500	$500	2.96%	3.00%
18 months (a)	$500	$500	2.96%	3.00%
2 years (a)	$500	$500	3.05%	3.10%
3 years (a)	$500	$500	3.15%	3.20%
4 years (a)	$500	$500	3.25%	3.30%
5 years (a)	$500	$500	3.25%	3.40%
(a) A penalty will be imposed for early withdrawals
*Daily balance is the amount of the principal on the account each day