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Certain offers may not be combined. All offers available only in-branch at the AmTrust Bank Naples and Bonita Springs branches (2315 Vanderbilt Rd and 23050 Via Villagio.), not available by phone, online or at any other AmTrust Bank branch location. Offers apply to new accounts only – new accounts do not include transfers from any existing AmTrust Bank account. To qualify for Money Market or CD offer, you must open a Titanium Checking Account. Bonus offers, Money Market and CD promotional rates expire on 4/5/08, and are subject to change without notice. Titanium Checking: Annual Percentage Yields (APYs) accurate as of 2/29/08. Minimum to open account, earn interest, and receive $100 bonus is $5,000. Titanium Checking tiered APY for balances are as follows: $1 - $4,999.99 is 0.00%; $5,000 and over is 2.00%. This is a 7-tiered account. At any time, interest rates and APYs offered within two or more consecutive tiers may be the same.  When this is the case, multiple tiers will be shown as a single tier. $100 bonus will be deposited to your account at time of opening and is subject to 1099 reporting. To receive $100 bonus, account must be opened with funds not currently on deposit. If your Titanium Checking account is closed within 12 months of opening, we reserve the right to charge back to your account the value of the bonus you received. $5,000 minimum daily collected balance required to avoid monthly Minimum Balance fee. Fees may reduce earnings. Rates may change after the account is opened. Interest not earned on any day where the daily collected balance is less than $5,000. Limit one $100 bonus per customer.  We reserve the right to change this offer at any time. ·          *Conditions for free gift: Minimum deposit to open a Titanium Checking Account and receive free gift is $5,000. Account must be opened with funds not currently on deposit with AmTrust Bank. Gift will be provided at the time of account opening. If your checking account is closed within the first twelve months of opening, we reserve the right to debit your account the amount of the gift you received. reserve the right to substitute a gift of similar value. Value of gift may be subject to 1099 reporting. Certain offers may not be combined.·          ** Up to $100 Additional Bonus: The applicable bonus deposit(s) will be credited to your Titanium Checking Account within 30 days of completing each requirement. Initiate any one of the qualifying activities and receive $25; any two and receive $50; all three and receive $100. Cash bonuses may be subject to 1099 reporting. All activities must be completed within 90 days of the account opening date. An activity is considered “complete” when: Debit Card – at least three purchases are made per month for two consecutive months with your AmTrust debit card and debited to your checking account; Direct Deposit – two direct deposits are posted to your checking account; Online Bill Pay – at least three different bills are paid online per month and debited to your checking account for two consecutive months. Money Market: Account requires $1,000 minimum deposit to open. To qualify for 4.50% APY Money Market, customer must open a Titanium Checking Account. 4.50% APY for the first 90 days on all balances up to $100,000 (balances $100,000 and over will earn the standard rate of 3.50%). After the first 90 days, 4.50% reverts to standard tiered rate for balance on deposit at that time. Standard Money Market tiered APYs accurate as of 2/29/08 and are as follows: $1 - $24,999 is .75%; $25,000 and over is 3.50%. This is a 7-tiered account. At any time, interest rates and APYs offered within two or more consecutive tiers may be the same. When this is the case, multiple tiers will be shown as a single tier. Account limited to six (6) withdrawals or transfers (including ACH and ATM transfers to third parties) per statement cycle, of which three (3) may be checks. Standard rates may change at any time after account is opened. Fees may reduce earnings. There will be a fee if your account is closed within 180 days of opening. Not available for business and non-profit accounts. 4.00% APY 4-Month CD: 4.00% APY accurate as of 2/29/08. To qualify for 4.00% APY promo CD, customer must open a Titanium Checking Account. Certificate of Deposit Accounts require a $1,000 minimum deposit to open. Maximum CD balance for 4.00% APY promo is $100,000. There will be a penalty for early withdrawal for CDs. ***ATM fee waiver: AmTrust Bank will not charge you to use your ATM card in any ATM, regardless of bank of location within the United States. This does not guarantee that the owner of that ATM, if it is a non-AmTrust ATM, will not charge you their usage fee.  Effective 2/29/08. International Transaction and business account ATM Fees still apply.