Rates

*rates subject to change
**Annual Percentage Yield

	Minimum Balance	Interest Rate*	APY**
Statement Savings	$50.00	.10%	.10%
Money Market Plus Account	$2500.00	.25%	.25%
Money Market Plus Account	$10,000.01	.50%	.50%
Money Market Plus Account	$25,000.01	.75%	.75%

Every effort is made to insure rates are up to date. However, because rates are subject to change at any time, please call bank for current rates.

CD Rates

*rates subject to change
**Annual Percentage Yield

CD Term	Minimum Deposit	Interest Rate*	APY**
91 day	$500	.35	.35
182 day	$500	.50	.50
9 month	$1000	.60	.60
12 month	$500	.75	.75
18 month	$500	.75	.75
24 month	$500	1.00	1.00
24 month (no penalty)	$500	1.00	1.00
30 month	$500	.75	.75
36 month	$500	.95	.95
48 month	$500	1.00	1.00
60 month	$500	1.34	1.35
14-89 days	$5000 or more	0.35	0.35

The above rates are the posted rates of Morgantown Bank & Trust. Rates may vary if amounts, terms or other conditions vary from those posted above.

A substantial interest penalty for early withdrawal

Every effort is made to insure rates are up to date. However, because rates are subject to change at any time, please call bank for current rates.

IRA Rates

*rates subject to change
**Annual Percentage Yield

IRA Term	Minimum Deposit	Interest Rate*	APY**
IRA Statement Savings	$50	.10	.10
6 months	$500	.50	.50
Passbook 18 mo. variable rate	$50	.75	.75
12 months	$500	.75	.75
48 months	$500	1.00	1.00
60 months	$500	1.34	1.35

The above rates are the posted rates of Morgantown Bank & Trust. Rates may vary if amounts, terms or other conditions vary from those posted above.

A substantial interest penalty for early withdrawal

Every effort is made to insure rates are up to date. However, because rates are subject to change at any time, please call bank for current rates.

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eStatements

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Temporary Liquidity Guarantee Program

Our institution has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through Dec 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.