FIXED RATE ACCOUNTS:       Rate:      *APY:
** CERTIFICATES OF DEPOSIT/IRA
30-90 Days 0.25% 0.25%
3-5 Months 0.50% 0.50%
6-11 Months 0.75% 0.75%
12-17 Months 1.00% 1.00%
18-23 Months 1.24% 1.25%
24-35 Months 1.49% 1.50%
36-47 Months 1.64% 1.65%
48-59 Months 1.74% 1.75%
60+ Months 1.74% 1.75%
***VARIABLE RATE ACCOUNTS:
CONSUMER ACCOUNTS:       Rate:       *APY:
Money Market Checking:
$0-$4,999 0.25% 0.25%
$5,000 + 0.50% 0.50%
55 + Money Market Checking:
$0-$4,999 0.25% 0.25%
$5,000 + 0.50% 0.50%
Statement Savings:
$0-$4,999 1.00% 1.00%
$5,000 + 1.14% 1.15%
Money Market Savings:
$0-$5000 0.25% 0.25%
$5,001- $50,000 0.50% 0.50%
$50,001 + 0.75% 0.75%
BUSINESS ACCOUNTS:      Rate:       *APY:
Small Business Checking: 0.50% 0.50%
Commercial Money Market:
$0-$10,000 0.25% 0.25%
$10,001- $100,000 0.50% 0.50%
$100,001 + 0.75% 0.75%
         
*APY is Annual Percentage Yield
** Penalty may be imposed for early withdrawal on Certificates of Deposit
*** Rates may change after the account is opened.  Fees may reduce earnings
****Rates effective as of 5/13/2010