^* The Annual Percentage Yield (APY) is accurate as of the effective date listed above. Rates may change at any time without notice. Interest is earned on the daily collected balance for all checking, savings and money market accounts. For checking and money market accounts, interest is compounded and credited monthly. For all savings accounts, interest is compounded and credited quarterly. The daily collected balance is the current daily ledger balance less any amounts in the process of collection. Fees could reduce earnings.

¹ The Symphony Account is available to individuals that maintain a daily balance of $10,000 in any combination of personal checking, interest checking , savings, money market account, CDs or IRAs. The Symphony Account is not available to business entities except sole proprietors, non-profit organizations or government agencies.

² Business Interest Checking is available to sole proprietors, non-profit organizations and government agencies only.

³ Not-For-Profit Interest Checking is available for qualified Not-For-Profit Organizations with the IRS and registered with the State of Georgia as a Not-For-Profit Organization.

⁴ Federal regulations allow no more than six (6) withdrawals or transfers in a monthly statement cycle for savings accounts. Transactions by telephone, wire, online banking or bill payment transfers, ACH, pre-authorized transfer, or automatic transfer are counted in the six-transaction limit. And, if the account permits transfers by check, draft, debit card or point of sale transactions to a third party, no more than three (3) of the six can be made. An excessive withdrawal fee of $5 is assessed per item, regardless of the balance, if more than three checks are paid or if the combined total of checks, debits and transfers exceed six (6) transactions during the statement period. If you routinely exceed these withdrawal limitations, the bank may transfer the balance to another type of account or close the account.

⁵ CDs and IRAs earn interest at a fixed rate until maturity. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. Interest will be compounded and credited quarterly unless another interest payment option is chosen.

⁶ One Commercial Checking's earnings credit is equal to the average one month LIBOR rate from the previous month minus 50 basis points. The earnings credit is effective on the first day of the month and remains fixed for the full month.

⁷ SPECIAL SAVINGS ACCOUNT Offer: This 5% APY is available to new or existing customers depositing up to $10,000 in new money to a One Georgia Bank personal savings account and having a One Georgia Bank personal checking account with either direct deposit or online bill payment.  Savings accounts with balances over $10,000 will earn 2% APY.  New money is defined as funds not currently on deposit at One Georgia Bank.

⁸ SPECIAL CD Offer: Four (4) months and seven (7) months CD are available to qualifying personal checking account customers only.  Must be signed up for either direct deposit or electronic bill pay services.  Offer does not apply to existing balances on deposit.  Offer not available for savings, commercial or non-profit accounts.