INTERNET CERTIFICATES OF DEPOSIT Term Annual Percentage Yield Interest Rate Minimum Amount Maximum Amount 3 months .35% .35% $ 2,500 $ 100,000 13 months .75% .75% $ 2,500 $ 100,000 14 months** .75% .75% $ 10,000 $ 100,000 22 months** .85% .85% $ 10,000 $ 100,000 24 months 1.00% 1.00% $ 2,500 $ 100,000 60 months 1.00% 1.00% $ 2,500 $ 100,000 Other terms available - Call your local branch for additional terms and rates. ** Smart Option CD - Allows you to increase the rate one time during the term of the CD. Please talk to a customer service representative for details. Signing up for a Sterling National Bank CD is easy. Personal Certificate of Deposit Business Certificate of Deposit Apply Online Apply Online Print and Mail Print and Mail * If you select "Print and Mail" you will need Adobe Acrobat Reader to open the application. If you do not have Adobe Acrobat Reader, you can download it by clicking on the "Get Adobe Acrobat Reader" icon above. This offer is restricted to residents of New York, New Jersey or Connecticut. Annual Percentage Yield (APY) quoted is effective as of June 5, 2007. Applicable fees could reduce the earnings on the accounts. MEMBER FDIC