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| Effective: March 9, 2010 |
| | Minimum Opening Deposit | | Interest Rate | | Annual Percentage Yield | | Savings | *Passbook/Statement Savings | $200 | | 0.25% | | 0.25% | *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 | | 0.50% | | 0.50% | 6 Month | $1,000 | | 0.75% | | 0.75% | 9 Month (Renewal Only) | $2,500 | | 1.00% | | 1.00% | 1 Year | $1,000 | | 1.14% | | 1.15% | 15 Month (Renewal Only) | $5,000 | | 1.29% | | 1.30% | 1 1/2 Year | $1,000 | | 1.34% | | 1.35% | 2 1/2 Year | $1,000 | | 1.49% | | 1.50% | 3 1/2 Year | $1,000 | | 1.98% | | 2.00% | 5 Year | $1,000 | | 2.47% | | 2.50% | | Individual Retirement Accounts | 1 1/2 Year Variable | $250 | | 0.71% | | 0.71% | 1 1/2 Year Fixed | $1,000 | | 1.34% | | 1.35% | 3 1/2 Year Fixed | $1,000 | | 1.98% | | 2.00% |
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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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