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Interest Rates effective for the week of February 4, 2012 through February 11, 2012

Rates are subject to change at any time.

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Checking Variable-Yield Accounts

Checking Variable-Yield Accounts Close Account Type Minimum Balance Required to Earn Interest Rate APY* Super Now Accounts $500.00 0.30% 0.30% Money Market Demand Accounts $2,500.00 0.50% 0.50% *APY = Annual Percentage Yield If you close your account before the interest is credited, you will not receive the accrued interest.

Prestige & Senior Prestige Accounts

Prestige & Senior Prestige Accounts Close Balance Tiers Minimum Balance Required to Earn Interest Rate APY* $4,000+ $4,000.00 0.50% 0.50% $1,500 - $3,999.99 $1,500.00 0.30% 0.30% *APY = Annual Percentage Yield If you close your account before the interest is credited, you will not receive the accrued interest.

Passbook Savings

Passbook Savings Close Balance Tiers Minimum Balance Required to Earn Interest Rate APY* $5,000+ $5,000.00 0.30% 0.30% $1,000 - $4,999.99 $1,000.00 0.30% 0.30% $0 - $999 No Minimum Balance 0.25% 0.25% *APY = Annual Percentage Yield If you close your account before the interest is credited, you will not receive the accrued interest.

Certificates of Deposit

Certificates of Deposit Close The 18 month CD may be switched to a higher rate once during its term. The 30 month CD may be switched to a higher rate twice during its term. Term Minimum Opening Balance APY* 15 Month CD Special $10,000.00 0.80% 91 Day $1,000.00 0.30% 6 Months $1,000.00 .55% 12 Months $1,000.00 .60% 18 Months $1,000.00 .65% 24 Months $1,000.00 .70% 30 Months $1,000.00 .80% 36 Months $1,000.00 .085% 48 Months $1,000.00 0.95% 60 Months $1,000.00 1.25% * APY=Annual Percentage Yield These rates may change at any time without prior notice. A penality is imposed for early withdrawal. Fees could reduce earnings on the account.

IRA

IRA Close Term Minimum Opening Balance Rate APY* 18 Month Variable Rate 100.00 .85%1.00% .85% *APY= Annual Percentage Yield The IRA annual percentage yield and the interest rate may change after the account is opened. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.

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