Deposit Rates and Disclosures

Please see below for a list of current rates. You may also contact the MBT Customer Service Center at 734-241-3431 or 800-321-0032 for more detailed information.

All deposit account rates below are accurate as of May 14, 2013 at 9:00 AM EST and are subject to change without prior notice. APYs shown apply to only individual and joint consumer accounts. Member FDIC.

Current Rates

Vintage 50 Checking with Interest

Compounding Frequency	Balance to Avoid Fee	Rate	APY
Daily	$1,000	0.05%	0.05%

APY = Annual Percentage Yield. Rates current as of May 14, 2013. Rates displayed above may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval. A maintenance charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00 any day of the statement cycle.

MBT Performance Checking

Term	Rate	APY	Compounding Frequency
Qualified balances up to $50,000	0.10%	0.10%	Monthly
Qualified balances over $50,000.01	0.05%	0.05%	Monthly
Non-qualified balances	0.00%	0.00%	Monthly

APY = Annual Percentage Yield. Rates current as of May 14, 2013. Rates displayed above may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval. .20% APY is paid on balances up to $50,000, and .10 % APY is paid on additional amounts above $50,000 when requirements are met. Interest is compounded monthly. If requirements are not met, ATM fees will not be refunded and an interest rate of 0.00% APY will apply to the entire account balance for that statement cycle. Fees may reduce earnings. $150 penalty if account is closed within 180 days from opening. Account is available for personal accounts only - no business or corporate accounts. Bank rules and regulations apply. Minimum opening deposit is $50.00. Debit card transactions must post to the account by the end of the statement cycle to meet criteria. **Up to $10.00 of ATM fees will be refunded each month when requirements are met. Certain restrictions apply. Call for details.

NOW Account

Compounded	Bal. to Avoid Fees	Rate	APY
Monthly	$1,500	0.05%	0.05%

APY = Annual Percentage Yield. Rates current as of May 14, 2013. Rates displayed above may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval.

Free Checking Plus Interest

Compounded	Min. Bal.	Rate	APY
Monthly	$50.00	0.05%	0.05%

APY = Annual Percentage Yield. Rates current as off May 14, 2013. Rates displayed above may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval.

Certificate of Deposit

Type	Min. to Open	Rate	APY
7-31 Day	$2,500	0.05%	0.05%
32 - 89 Day	$1,000	0.05%	0.05%
3 month	$1,000	0.10%	0.10%
6 month	$1,000	0.15%	0.15%
1 Year	$1,000	0.20%	0.20%
1.5 Year	$1,000	0.20%	0.20%
2, 2.5 Year	$1,000	0.25%	0.25%
3, 3.5 Year	$1,000	0.30%	0.30%
4 Year	$1,000	0.40%	0.40%
5 Year	$1,000	0.90%	0.90%
3, 3.5 Year Vintage	$1,000	0.40%	0.40%
4 Year Vintage	$1,000	0.50%	0.50%
5 Year Vintage	$1,000	1.00%	1.00%
25 Month Rate Hike	$1,000	0.20%	0.20%

APY = Annual Percentage Yield. Rates current as of May 14, 2013. The above are interest-bearing accounts. The interest rate and APY is subject to change without prior notice until account opening. APY at account opening will not change and will be in effect until this account matures. Interest begins to accrue on the business day of your deposit for either cash or non-cash items. Your account will mature in the length of time selected at account opening. Withdrawals before maturity date are subject to penalty. A $25.00 Early Redemption Fee will also apply. Withdrawals will reduce earnings. Consult your MBT Banker regarding penalty amounts based upon length of maturity. Deposits at or over $100,000 may qualify for a jumbo rate. It is the reader's responsibility to confirm or verify any rates, fees or penalties with the Bank by visiting any branch, contacting the Customer Service Center at 800-321-0032, or by completing and submitting the Contact Us form, which may be accessed from any website page.

Money Market Plus

Type	Rate	APY	Interest Compounded
Balance Less than $10,000	0.02%	0.02%	Daily
Balance $10,000 to $24,999.99	0.05%	0.05%	Daily
Balance $25,000 to $49,999.99	0.08%	0.08%	Daily
Balance $50,000 to $99,999.99	0.10%	0.10%	Daily
Balance $100,000 to $499,999.99	0.12%	0.12%	Daily
Balance $500,000 or more	0.15%	0.15%	Daily

APY = Annual Percentage Yield. Rates current as of May 14, 2013. The above is an interest bearing account. The minimum deposit to open an account is $100. Interest is compounded daily. The APY and Interest Rates may change at any time and without prior notice, including after account opening. APYs shown apply to only individual and joint consumer accounts. A maintenance fee of $10 will be charged for every statement cycle the account falls below $2000. Fees may reduce earnings. While every effort is made to publish current rates and fees, it is the reader's responsibility to confirm or verify any rates or fees with the Bank by visiting any branch, contacting the Customer Service Center at 800-321-0032, or by completing and submitting the Contact Us form, which may be accessed from any website page.

Savings Accounts

Type	Minimum Deposit to Open	Rate	APY	Interest Compounded
Passbook Savings	$100	0.05%	0.05%	Quarterly
Statement Savings	$100	0.05%	0.05%	Daily

APY = Annual Percentage Yield. Rates current as of May 14, 2013. Rates displayed above may change at any time and without advance notice. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval. Fees could reduce the earnings on the account.

IRA

Type	Min. to Open	Rate	APY
18 Month Fixed	$0.00	0.20%	0.20%
18 Month Variable	$0.00	0.10%	0.10%
36 Month Fixed	$0.00	0.30%	0.30%
36 Month Variable	$0.00	0.15%	0.15%
48 Month Fixed	$0.00	0.40%	0.40%
60 Month Fixed	$0.00	0.90%	0.90%
30 Month Roth Fixed	$0.00	0.25%	0.25%
30 Month Roth Variable	$0.00	0.10%	0.10%
48 Month Roth Fixed	$0.00	0.40%	0.40%
60 Month Roth Fixed	$0.00	0.90%	0.90%
18 Month Education Fixed	$0.00	0.20%	0.20%
18 Month Education Variable	$0.00	0.10%	0.10%
36 Month Education Fixed	$0.00	0.30%	0.30%
36 Month Educational Variable	$0.00	0.15%	0.15%
48 Month Education Fixed	$0.00	0.40%	0.40%
9 Month Fixed	$0.00	0.15%	0.15%
9 Month Roth Fixed	$0.00	0.15%	0.15%

APY = Annual Percentage Yield. Rates current as of May 14, 2013. Rates displayed above may change at any time and without advance notice. A penalty will be imposed for early withdrawal. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval. There may be additional IRS penalties for early withdrawal from an IRA account. Consult your tax advisor.