Deposit Rates

New branch in Warwick, new Bump-Up CDs everywhere.

• CDs
• Freedom Plus CD
• Jumbo CD
• Promotional CD
• Money Markets, Checking & Savings
• Prime Rate

Certificates of Deposit

Product*	Interest Rate	APY**
91 Days	0.55	0.55
6 Months	0.75	0.75
12 Months	1.00	1.00
18 Months	1.24	1.25
24 Months	1.44	1.45
36 Months	1.64	1.65
48 Months	2.13	2.15
60 Months	2.38	2.40

All rates effective as of November 20, 2009
*Minimum Deposit Amount $500.00


**Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Freedom Plus Certificates of Deposit*****

Product Term	Interest Rate	APY**
91 Days	0.80	0.80
6 Months	1.00	1.00
12 Months	1.24	1.25
18 Months	1.44	1.45
24 Months	1.64	1.65
36 Months	1.89	1.90
48 Months	2.38	2.40
60 Months	2.62	2.65

All rates effective as of November 20, 2009
*****Minimum Deposit Amount $500


**Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Jumbo Certificates of Deposit***

Product Term	Interest Rate	APY**
1 Month	0.55	0.55
2 Months	0.70	0.70
3 Months	0.90	0.90
6 Months	1.10	1.10
12 Months	1.34	1.35

All rates effective as of November 20, 2009
***Minimum deposit amount $100,000
***Maximum deposit amount $500,000


**Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Promotional Certificates of Deposit

Product Term	Interest Rate	APY**	Min. Deposit
3 Years	1.99	2.00	$ 500.00
5 Years	2.97	3.00	$ 500.00

All rates effective as of November 20, 2009

New branch in Warwick, new Bump-Up CDs everywhere.

**Annual Percentage Yield
For new accounts opened with funds from sources other than The Washington Trust Company
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Money Markets, Checking & Savings Accounts

Product	Interest Rate	APY**
Personal Money Market Account
Under $1,000	0.00	0.00
$1,000-$2,499.99	0.10	0.10
$2,500 and over	0.10	0.10
Freedom Plus Money Market
Under $1,000	0.00	0.00
$1,000-$2,499.99	0.10	0.10
$2,500 and over	0.10	0.10
Personal Ultra Money Fund
Under $25,000	0.10	0.10
$25,000-$49,999	0.10	0.10
$50,000 and over	0.10	0.10
Freedom Plus Checking
Under $1,500	0.00	0.00
$1,500 and over	0.10	0.10
Freedom One Account Checking
Under $1,500	0.00	0.00
$1,500 and over	0.10	0.10
Freedom Statement Savings
Under $50	0.10	0.10
$50-$1,999.99	0.10	0.10
$2,000 and over	0.10	0.10
Freedom Platinum Savings
Under $1,000	0.00	0.00
$1,000-$9,999.99	0.10	0.10
$10,000-$24,999.99	0.10	0.10
$25,000-$49,999.99	0.10	0.10
$50,000 and over	0.10	0.10
Freedom Savings Club Account
Under $50	0.10	0.10
$50 and over	0.10	0.10

All rates effective as of November 20, 2009

**Annual Percentage Yield
Rates subject to change
Fees may reduce earnings
Rate may change after the account is opened.

Prime Rate

Wall Street Prime Rate

3.25

All rates effective as of December 17, 2008.