Howard Bank - Howard Bank Deposit Rates as of July 2, 2011

Howard Bank Deposit Rates
as of May 15, 2012

Checking*

Product	Minimum Opening Deposit	Balance	Interest Rate	Annual Percentage Yield (APY)
Howard Maximum Checking	$100.00	$.01 - $9,999.99	0.20%	0.20%
		$10,000 or more	0.30%	0.30%
Howard Relationship Checking	$100.00	$.01 - $999.99	0.10%	0.10%
		$1,000 - $9,999.99	0.15%	0.15%
		$10,000 - $24,999.99	0.15%	0.15%
		$25,000 - $49,999.99	0.15%	0.15%
		$50,000 - $99,999.99	0.20%	0.20%
		$100,000 or more	0.25%	0.25%
Community Business Checking	$100.00	All	0.20%	0.20%

Savings*

Product	Minimum Opening Deposit	Balance	Interest Rate	Annual Percentage Yield (APY)
Junior Savings	$5.00	All	0.20%	0.20%
Personal Savings	$25.00	All	0.20%	0.20%
Business Savings	$25.00	All	0.20%	0.20%

Money Market*

Product	Minimum Opening Deposit	Balance	Interest Rate	Annual Percentage Yield (APY)
Anniversary Money Market	$250.00	$.01 - $999.99	0.10%	0.10%
		$1,000 - $9,999.99	0.25%	0.25%
		$10,000 - $24,999.99	0.35%	0.35%
		$25,000 - $49,999.99	0.35%	0.35%
		$50,000 - $99,999.99	0.35%	0.35%
		$100,000 or more	0.50%	0.50%
Business Anniversary Money Market	$250.00	$.01 - $999.99	0.10%	0.10%
		$1,000 - $9,999.99	0.25%	0.25%
		$10,000 - $24,999.99	0.35%	0.35%
		$25,000 - $49,999.99	0.35%	0.35%
		$50,000 - $99,999.99	0.35%	0.35%
		$100,000 or more	0.50%	0.50%

Certificate of Deposits (CDs)*

Product	Minimum Opening Deposit	Balance	Interest Rate	Annual Percentage Yield (APY)
3 to 5 Month	$500.00	All	0.25%	0.25%
6 to 11 Month	$500.00	All	0.35%	0.35%
12 to 23 Month	$500.00	All	0.50%	0.50%
24 to 35 Month	$500.00	All	0.75%	0.75%
36 to 47 Month	$500.00	All	0.75%	0.75%
48 to 59 Month	$500.00	All	0.995%	1.00%
60 Month	$500.00	All	1.49%	1.50%

*The Annual Percentage Yield (APY) for the above products are effective as of the date noted. Checking, Savings and Money Market rates are variable and are subject to change at any time without notice. Interest on these accounts is compounded daily based on collected balance. Fees may reduce the earnings on the account. CDs are subject to early withdrawal penalties.