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Rates
Deposit Interest Rates & Annual Percentage Yields (APYs)

The stated rates are effective as of July 1, 2013

Checking Deposit Accounts

Account Rate APY*
Sound Preferred Checking - - - - - - - - - (minimum opening deposit $100) ($100 minimum daily balance required to avoid minimum balance fee) .25% .25%
Sound Business Interest Checking .25% .25%
IOLTA / RETA Interest Checking .10% .10%
Business Earnings Credit Rate 1.05% N/A
Sound Premier Checking**** (minimum opening deposit $1,000)    
Account Tiers Rate APY*
$0 - $2,499 .25% .25%
$2,500 - $24,999 .25% .25%
$25,000 - $49,999 .25% .25%
$50,000 - $99,999 .25% .25%
$100,000 + .25% .25%

Money Market Savings

Sound Money Market ***    
Account Tiers Rate APY*
$0 - $24,999 .50% .50%
$25,000 - $49,999 .50% .50%
$50,000 - $999,999 .65% .65%
$1,000,000 + .85% .85%
Sound Client Trust Money Market****    
Account Tiers Rate APY*
$0 - $2,499 .10% .10%
$2,500 - $24,999 .25% .25%
$25,000 - $49,999 .50% .50%
$50,000 + .65% .65%

Certificate of Deposit Accounts (Under $100,000)**

CD Description Available Terms Rate APY*
1 Month 30 Days - 89 Days 0.30% 0.30%
3 Months 90 Days - 182 Days 0.35% 0.35%
6 Months 183 Days - 270 Days 0.40% 0.40%
9 Months 271 Days - 364 Days 0.45% 0.45%
12 Months (1 Year) 12 Months - 23 Months 0.50% 0.50%
2 Years 24 Months - 35 Months 0.55% 0.55%
3+ Years 36+ Months 0.60% 0.60%

Jumbo Certificate of Deposit Accounts ($100,000 and Greater)

CD Description Rate APY*
30 Days - 180 Days 0.40% 0.40%
181 Days - 365 Days 0.55% 0.55%
366+ Days 0.65% 0.65%

*APY (Annual Percentage Yield) assumes interest remains on deposit until maturity.
Account fees or withdrawal of interest prior to maturity may reduce earnings.
"Rate" refers to the stated Interest Rate for the Account Types listed.

**$1,000 minimum opening deposit required on Personal Certificates of Deposit
**$5,000 minimum opening deposit required on Business Certificates of Deposit
***$100 minimum opening deposit required on Personal and Business Money Market Accounts
***$250 minimum daily balance required on Personal Money Market Accounts to avoid minimum balance fee
***$1,000 minimum daily balance required on Business Money Market Accounts to avoid minimum balance fee
****$1,000 minimum daily balance required to avoid minimum balance fee
~Interest Rates on Checking and Money Market Deposit Accounts may change after account opening~

A penalty for early withdrawal may be imposed.
Additional information may be found in specific account disclosures.

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