NOVA


	Interest Rate	APY*
Statement Savings Account¹

Money Market Savings Accounts - PA & NJ¹	Interest Rate	APY*
Under $10,000
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 and over

Money Market Savings Accounts - Outside PA & NJ¹	Interest Rate	APY*
under $10,000
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 and over

Reserve Checking¹	Interest Rate	APY*
Under $10,000
Over $10,000

Interest Checking (Personal)¹	Interest Rate	APY*
under $10,000
$10,000 - $24,999
$25,000 - $49,999
$50,000 and over

Interest Checking (Business)¹	Interest Rate	APY*
under $10,000
$10,000 - $24,999
$25,000 - $49,999
$50,000 and over

Certificates of Deposit (Fixed Interest Rates) for Term Indicated²	Interest Rate	APY*
3 months
6 months
12 months
18 months
24 months
36 months
48 months
60 months
*ANNUAL PERCENTAGE YIELD (Applies to ALL Products) ¹ Rates are subject to change at any time. APY accurate as of Wednesday, November 19, 2008. Minimum opening deposit is $1.00. Fees could reduce earnings. For all Money Market Savings Accounts, Interest Checking Accounts, and Reserve Checking Accounts: You must maintain the minimum collected balance of your applicable rate tier each day to obtain the disclosed annual percentage yield. For all Statement Savings Accounts: If your collected balance falls below $500 on any day during the statement period, a monthly fee equal to that which is disclosed in the Fee Schedule will be assessed. ² Rates are subject to change at any time. APY accurate as of Wednesday, November 19, 2008. Minimum balance to open and obtain the stated APY is $500.00. Fees could reduce earnings. There is a substantial penalty for early withdrawal.

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