2010 ELITE.CHECKING Qualification Cycle Calendar

Brookhaven Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. The maximum rate of interest for non-interest bearing accounts will be 0.25% effective July 1, 2010. Non-interest bearing accounts are defined as accounts earning less than 0.25% and Lawyers Trust Accounts. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.