1 APY (Annual Percentage Yield) is accurate as of 11/03/08 and is guaranteed until 01/15/09, after which time it is variable and subject to change without notice to the customer. Minimum opening deposit of $25,000 is required. Fees could reduce earnings. Premium Money Market promotional rates are available for new money only. Limited time offer that may be withdrawn or changed at any time without notice. Other restrictions and fees may apply. Account openings are subject to Bank approval.

2 Federal regulations restrict preauthorized fund transfers on money market investment accounts and savings accounts. You are not permitted to make more than six (6) preauthorized transfers per statement period. Preauthorized transfers include transfers to third parties by preauthorized means, automated transfers or telephonic transfers between your IronStone Bank accounts (unless the transfer is for the purpose of repaying a loan). No more than three (3) of the six (6) preauthorized transfers may be made by check, draft, debit card, or similar order payable to a third party. There is an additional charge for excessive transfers or withdrawals. You may make unlimited withdrawals or transfers in person, by mail, and through an ATM. Continued excessive preauthorized transactions will result in the money market investment account or savings account being closed or converted to a checking account.