As of January 18, 2012

SHARES NOMINAL RATE APY*

$5.00 - $1,499.99 0.10% 0.10%

$1,500.00 - $14,999.99 0.25% 0.25%

$15,000.00 - $34,999.99 0.25% 0.25%

$35,000.00 & Up 0.35% 0.35%

CHECKING NOMINAL RATE APY*

$500.00 & Up 0.00% 0.00%

CD's** NOMINAL RATE APY*

6 Month (Min $500) 0.35% 0.35%

12 Month (Min $500) 0.60% 0.60%

18 Month (Min $500) 0.85% 0.85%

24 Month (Min $1,000) 1.10% 1.11%

36 Month (Min $1,000) 1.35% 1.36%

48 Month (Min $1,000) 1.60% 1.61%

MONEY MARKET NOMINAL RATE APY*

$2,500.00 - $4,999.99 0.35% 0.35%

$5,000 - $24,999.99 0.45% 0.45%

$25,000.00 - $49,999.99 0.45% 0.45%

$50,000.00 & Up 0.60% 0.60%

IRA's NOMINAL RATE APY*

Up To $4,999.99 0.75% 0.75%

$5,000 - $24,999.99 0.75% 0.75%

$25,000.00 - $49,999.99 1.00% 1.00%

$50,000.00 & Up 1.25% 1.26%

CHRISTMAS CLUB NOMINAL RATE APY*

All 0.25% 0.25%

*APY = Annual Percentage Yield. Rates subject to change without notice.

**A penalty may be imposed for early withdrawal of certificates of deposit.

See your account disclosure.