Effective Date: March 9, 2010

Specials | Checking | Savings | Money Market | CD

*Annual Percentage Yield for certificates assumes principal & interest remain on deposit for the term at the same interest rate. If principal is withdrawn prior to maturity, a penalty may be imposed.

**Annual Percentage Yield (APY) accurate as of 8/31/09. Minimum to open account is $50. Rate tiers are as follows: 5.01% APY applies to balances of $.01 - $25,000 and 1.01%APY applies to the portion of balances over $25,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 5.01% APY to 1.01% APY as long as qualifications are met. ATM fee refunds up to $20 per cycle when qualifications are met. Rates may change after theaccount is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only.

*Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

*Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after the account is opened. Interest is earned on all balances.

*Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. Minimum of $1,000.00 required to earn interest.

*Annual Percentage Yield for certificates assumes principal & interest remain on deposit for the term at the same interest rate. If principal is withdrawn prior to maturity, a penalty may be imposed.