As of February 3, 2010...

* Please Note: These rates are available only when reserving your account through La Jolla Bank's Web site. To complete the on-line new account application, please click the "Join Us" icon.

Savings Account Rates

Savings Account	Minimum Deposit	Interest Rate	APY*
Internet Savings	$1,000	1.24%	1.25%
Kid's Club	$1	1.24%	1.25%

Checking Account Rates

Checking Account *	Minimum Deposit	Interest Rate	APY**
Non-Interest Personal Checking	$100	0.00%	0.00%
Senior "Select" Checking	$100	0.00%	0.00%
Classic Checking	$100	0.50%	0.50%
Business Checking	$1,000	0.00%	0.00%
Premiere Checking	$1,000	1.04%	1.05%
Balances above	$20,000	1.24%	1.25%***

* Checking accounts must be opened at a La Jolla Bank branch office.

** APY is Annual Percentage Yield

*** The APY for this tier will range from 1.05% to 1.21% depending on the balance of the account (1.21% is based on $100,000)
Above variable rate accounts are subject to rate changes after the account has been opened, unless otherwise guaranteed.

Personal Certificates of Deposit

Term	Interest Rate	APY
6 Months	1.34%	1.35%
12 Months	1.64%	1.65%
24 Months	2.13%	2.15%
36 Months	2.28%	2.30%
60 Months	2.96%	3.00%
You choose the term.

$10,000 minimum balance required to open CD and earn Annual Percentage Yield. CD's require a substantial penalty for early withdrawal. APY effective as of date of publication, subject to change. Personal funds only.

Other Rate Information

• All rates are subject to change without notice.
  
  
• Certificates require a substantial penalty for early withdrawal.
  
  
• Annual Percentage Yield assumes principal and interest remain on deposit at the same rate for one year.
  
  
• All rates are simple interest calculated on a 365 day basis. Interest will credit to all accounts monthly.
  
  
• Please refer to the account agreement and disclosure booklet available at each office of La Jolla Bank, or for further details, please call 800-333-1909.