APY is accurate as of 06/27/2008 The rates quoted below are variable rates and are subject to change any time after the account is open without notice. Fees could reduce the earnings on accounts. For more information, please call 972-578-5000.

Absolute Checking +++++ Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid Up to $50,000 3.930% 4.00% Daily Balance Monthly $50,001 to $100,000 1.980% 2.00% Daily Balance Monthly Over $100,000 0.040% 0.04% Daily Balance Monthly +++++ APY tiered based on applicable account requirements. Non-qualifying accounts will earn the lowest APY quoted. See the Account Disclosure for terms and conditions. Money Market Checking Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $50,000 & Over 2.000% 2.02% Daily Balance Monthly $20,000 to $49,999 1.750% 1.76% Daily Balance Monthly $7,501 to $19,999 1.500% 1.51% Daily Balance Monthly Up to $7500 0.750% 0.75% Daily Balance Monthly Regular Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $250 & Over 0.500% 0.50% Daily Balance Monthly Kid's Club Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $100 & Over 0.500% 0.50% Daily Balance Monthly IRA Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $250 & Over 0.500% 0.50% Daily Balance Monthly Coverdell Education Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $25 & Over 0.500% 0.50% Daily Balance Monthly More Moolah Money Market Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $7,500 to $1,000,000 2.960% 3.00% Daily Balance Monthly Rates subject to change. APY = annual percentage yield. APY tiered based on account balance. $7,500 - $1,000,000 including interest = 3.00% APY. $1,000,001 - $2,499,999 including interest = 2.65% APY. $2,500,000 - $4,999,999 including interest = 2.75% APY. $5,000,000+ = 2.90% APY. $7,500 is the minimum deposit required to open this account. Should account fall below minimum opening deposit a monthly $15 fee will be assessed and rate reverts to current regular savings rate. Service charges and fees may reduce earnings in the account. No more than three of the six transfers may be made by draft or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the savings association. There is no limit on the number of transactions you may make in the following manner: (i) transfers to any loan account with us; or (ii) transfers to another account of yours with us or withdrawals when such transfer or withdrawal is initiated in person, by mail, or at an ATM. Money Market Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $10,000 & Over 1.490% 1.50% Daily Balance Monthly $2,500 - $9,999 1.000% 1.00% Daily Balance Monthly Ultimate Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $250,000 & Over 2.720% 2.75% Daily Balance Monthly $50,000 to $249,999 1.980% 2.00% Daily Balance Monthly $20,000 to $49,999 1.490% 1.50% Daily Balance Monthly $10,000 to $19,999 1.240% 1.25% Daily Balance Monthly $5,000 to $9,999 1.000% 1.00% Daily Balance Monthly This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank. IRA Ultimate Savings Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $1,000 & Over 1.240% 1.25% Daily Balance Monthly Premier Fund III Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $50,000 & Over 1.980% 2.00% Daily balance. Interest Rate will not have a floor. Monthly This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank. Platinum Premier Fund Minimum to earn APY Interest Rate Annual Percentage Yield (APY) Interest Calculation Method When Interest is Paid $100,000 & Over 2.470% 2.50% Daily Balance. See Account Disclosure for terms and conditions. Monthly This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank.