Deposit Rates Effective June 25, 2009
Variable Rate Accounts	Annual Percentage Yield (APY)	Interest Rate	Minimum to Open	Minimum Balance to Earn Stated APY
Super Statement Savings	.75%	.75%	$500.00	$500.00
Statement Savings	.25%	.25%	$25.00	$25.00
Online Ultra Savings Account	.85%	.85%	$500.00*	$500.00
Passbook Savings	.25%	.25%	$25.00	$25.00
**Money Market with Checking	.85%	.85%	$2,500.00	$2,500.00
Elite Money Market	1.00%	1.00%	$40,000.00	$40,000.00
	.75	.75%		$2,500.00 to $39,999.99
MB NOW Checking	.25%	.25%	$100.00	$250.00
MB Ultimate NOW Checking	1.00%	1.00%	$25,000.00	$25,000.00
	.75%	.75%		$.01 - $24,999.99
"No Frills" NOW Checking	N/A	N/A	$100.00	N/A

Certificate of Deposit Rates Effective June 25, 2009
Certificate of Deposit	Annual Percentage Yield (APY)	Interest Rate	Minimum Balance to Open and Earn Stated APY
6 Month	1.25%	1.25%	$500.00
***12 Month	1.35%	1.35%	$500.00
14 Month	1.50%	1.50%	$500.00
18 Month	1.55%	1.54%	$500.00
***24 Month	1.60%	1.59%	$500.00
36 Month	1.70%	1.69%	$500.00
48 Month	2.00%	1.99%	$500.00
***60 Month Bump-Up	2.50%****	2.48%	$500.00
n *Maximum opening amount is $200,000.
n **No interest earned on balances below $2500.00
n*** Terms also offered for IRA certificates of deposit. IRA certificates of deposit only: For the 12 and 24 Month certificates the minimum balance to open and earn stated APY is $250.00. Minimum balance to open and earn stated APY for 60 Month Bump-Up IRA Certificate of Deposit is $500.00. Additional deposits are allowed with a minimum of $10.00.
n ****At the customers written request, the APY on the 60 month certificate may be increased once during the term, without extending the maturity date. The upgraded rate will be the current regular rate on the 60 Month Bump-Up Certificate.
n Savings products are offered at all of our branch locations for customers residing in Maryland and York County, PA. All applicants must physically come into the branch to open the account. The Online Ultra Savings Account is offered through our website for residents of the United States. Proper identification must be supplied at account opening.
n Rates are subject to change without notice.
n Deposits earn interest from the day of deposit to day of withdrawal. Fees may reduce earnings. We use the daily balance method to calculate the interest. This method applies a periodic rate to the principal in the account each day.
n No additional deposits for Certificates Accounts, with the exception of IRA accounts.
n A penalty will be imposed on Certificates of Deposits that is equal to 90 days of simple interest on the withdrawn amount on account terms of 12 months or less. On account terms exceeding 12 months the penalty imposed will be 180 days of simple interest. The penalty will invade the principal if the penalty amount is greater than the interest earned at the time of withdrawal.
n NOW checking accounts are available for consumers and non-profit corporations.
n Contact us at (410)420-9600 or (410)254-3737 for additional information.

Residential Purchase/Refinance Rates Effective June 12, 2009
Loan Program	Interest Rate	Points	Annual Percentage Rate (APR)	Rate/$1000
10 Year Fixed Rate	5.000%	0	5.140%	10.61
15 Year Fixed Rate	5.250%	0	5.349%	8.04
20 Year Fixed Rate	5.500%	0	5.579%	6.88
30 Year Fixed Rate	5.500%	0	5.559%	5.68
n Maximum LTV for Refinances -90%.
n Maximum LTV for Purchases - 90%.

Residential Home Equity Loans Effective June 12, 2009
Loan Program	Interest Rate	Points	Annual Percentage Rate (APR)	Rate/$1000	Maximum Loan to Value (LTV)
5 Year Fixed Rate	6.000%	0	6.039%	19.33	80%
10 Year Fixed Rate	7.500%	0	7.517%	11.87	80%
15 Year Fixed Rate	7.500%	0	7.512%	9.27	80%
20 Year Fixed Rate	7.750%	0	7.760%	8.21	80%

Residential Construction Permanent/Rehab Loans (The rate is the same for both the construction & permanent) Effective June 12, 2009
Loan Program	Interest Rate	Points	Annual Percentage Rate (APR)	Rate/$1000	Maximum Loan to Value (LTV)
10 Year Fixed Rate	6.500%	1	6.967%	11.35	90%
15 Year Fixed Rate	6.500%	1	6.837%	8.71	90%
20 Year Fixed Rate	6.500%	1	6.771%	7.46	90%
30 Year Fixed Rate	6.500%	1	6.708%	6.32	90%
n Maximum 80% of valuation released during construction.
n Interest only during construction (1 settlement).

Residential Lot Loans Effective June 12, 2009
Loan Program	Interest Rate	Points	Annual Percentage Rate (APR)	Rate/$1000	Maximum Loan to Value (LTV)
20 Year Fixed Rate	6.500%	1	6.708%	7.46	75%
n To estimate your monthly payment divide your loan amount by 1000 and multiply by the rate per thousand. The rate per thousand is only based on principal and interest. The terms of repayment can be estimated by multiplying your monthly payment by the number of months in the loan.
n Private Mortgage Insurance (PMI) is required on LTV's over 80%(1st lien only, 1-4 family owner occupied). LTV's are based on the lesser of sales price, acquisition costs or the real estate valuation.
n Our lending territory is the Baltimore Metropolitan area & York County, PA.
n Proper identification must be supplied by all applicants, in person, at or prior to loan settlement.
n The APR is based on a loan amount of $100,000.00 and typical fees.
n Interest Rates will be locked in for a period up to 60 days from the date of application, with the exception of Home Equity loans which are locked in for 45 days. All loans subject to credit approval.
n Rates subject to change daily. The stated rates are for loans up to $417,000.00 for 1-4 family owner occupied homes or residential lots. Contact the mortgage department for rates on loans over $417,000.00 and other non-owner occupied loans.
n Fees for appraisal, credit report and flood certification may be required at time of application. Fees may vary.
n Property and flood insurance may be required.
n Lot Loans will require a perk test and potability test prior to settlement if the site will be serviced by a well and/or septic.

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