Rates Effective as of February 7, 2012

Time Certificates of Deposit
TERM	MINIMUM DEPOSIT	INT COMPOUNDED	INTEREST RATE	ANNUAL PERCENTAGE YIELD
91 DAY	1,000	AT MATURITY	.20%	.20%
182 DAY	1,000	AT MATURITY	.30%	.30%
1 YEAR	500	SEMI-ANNUALLY	.60%	.60%
2 YEAR	1,000	SEMI-ANNUALLY	.90%	.90%
3 YEAR	1,000	SEMI-ANNUALLY	1.20%	1.20%
4 YEAR	1,000	SEMI-ANNUALLY	1.30%	1.30%
5 YEAR	1,000	SEMI-ANNUALLY	1.55%	1.56%

A penalty will be charged for early withdrawal.

Money Manager Certificates
TERM	MINIMUM DEPOSIT	INT COMPOUNDED	INTEREST RATE	ANNUAL PERCENTAGE YIELD
2 YEAR	2,500	SEMI-ANNUALLY	.80%	.80%
3 YEAR	2,500	SEMI-ANNUALLY	1.10%	1.10%
4 YEAR	2,500	SEMI-ANNUALLY	1.20%	1.20%
5 YEAR	2,500	SEMI-ANNUALLY	1.45%	1.46%

A penalty will be charged for early withdrawal.

Variable Rate Accounts
ACCOUNT	MINIMUM BALANCE	INT COMPOUNDED	INTEREST RATE	ANNUAL PERCENTAGE YIELD
SAVINGS	0 to 9,999.99	DAILY	.05%	.05%
	10,000 - 49,999.99	DAILY	.05%	.05%
	50,000 - 99,999.99	DAILY	.10%	.10%
	100,000 or more	DAILY	.15%	.15%
CHRISTMAS CLUB	0	DAILY	.15%	.15%
INSURED INVESTMENT	0 to 9,999.99	WEEKLY	.05%	.05%
	10,000 - 49,999.99	WEEKLY	.05%	.05%
	50,000 - 99,999.99	WEEKLY	.10%	.10%
	100,000 or more	WEEKLY	.15%	.15%
NOW	0	MONTHLY	.05%	.05%
PRESTIGE	900	MONTHLY	.05%	.05%
FREE CHECKING	100	MONTHLY	.05%	.05%
IRA	0	MONTHLY	1.00%	1.00%
HEALTH SAV ACCT	0	DAILY	.15%	.15%

APY subject to change
A penalty may be assessed for early withdrawal.
Rate is subject to change after the account is opened on variable rate accounts.
Fees may reduce earnings on the account.
Rates may change after the account is open.