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| Effective: August 31, 2010 |
| | Minimum Opening Deposit | | Interest Rate | | Annual Percentage Yield | | Savings | *Passbook/Statement Savings | $200 | | 0.30% | | 0.30% | *Money Market | $2,500 | | 0.35% | | 0.35% | | Checking | *NOW | $500 | | 0.10% | | 0.10% | Regular Checking | $200 | | No Interest | | Certificates of Deposit | 3 Month | $1,000 | | 0.30% | | 0.30% | 6 Month | $1,000 | | 0.65% | | 0.65% | 9 Month (Renewal Only) | $2,500 | | 0.80% | | 0.80% | 1 Year | $1,000 | | 1.00% | | 1.00% | 15 Month (Renewal Only) | $5,000 | | 1.09% | | 1.09% | 1 1/2 Year | $1,000 | | 1.19% | | 1.20% | 2 1/2 Year | $1,000 | | 1.34% | | 1.35% | 3 1/2 Year | $1,000 | | 1.69% | | 1.70% | 5 Year | $1,000 | | 2.47% | | 2.50% | | Individual Retirement Accounts | 1 1/2 Year Variable | $250 | | 0.69% | | 0.69% | 1 1/2 Year Fixed | $1,000 | | 1.19% | | 1.20% | 3 1/2 Year Fixed | $1,000 | | 1.69% | | 1.70% |
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| * Variable rate and fees may reduce earnings. |
| A penalty will be imposed for early withdrawal on any Certificate of Deposit or IRA account. |
| All rates are accurate as of the above date and are subject to change at any time without notice. |
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