CERTIFICATE OF DEPOSITS TERM MINIMUM BALANCE ANNUAL INTEREST ANNUAL YIELD RATE (APY) 3 MONTH $500 0.10% 0.10% 6 MONTH $500 0.20% 0.20% 12 MONTH $500         0.40% 0.40% 18 MONTH $500         0.40% 0.40% 24 MONTH $500 0.50% 0.50% 30 MONTH $500 0.60% 0.60% 36 MONTH $500 0.70% 0.70% 48 MONTH $500 0.80% 0.80% 60 MONTH $500 1.00% 1.00%

INDIVIDUAL RETIREMENT ACCOUNT TERM MINIMUM BALANCE ANNUAL INTEREST ANNUAL YIELD RATE (APY) 12 MONTH $500         0.40%        0.40% 18 MONTH $500 0.40% 0.40% 24 MONTH $500 0.50% 0.50% 30 MONTH $500 0.60% 0.60% 36 MONTH $500 0.70% 0.70% 48 MONTH $500 0.80% 0.80% 60 MONTH $500 1.00% 1.00% VARIABLE RATE IRA 12 MONTH $100 0.40% 0.40% THE VARIABLE RATE ACCOUNT, RATE(S) AND APY(S) MAY CHANGE AFTER THE ACCOUNT IS OPENED. A PENALTY MAY BE IMPOSED FOR EARLY WITHDRAWAL ON THE CERTIFICATE OF DEPOSITS AND INDIVIDUAL RETIREMENT ACCOUNTS.

CHECKING AND SAVINGS ACCOUNT TYPE MINIMUM BALANCE INTEREST     ANNUAL  TO OPEN ACCOUNT RATE YIELD (APY) NOW ACCOUNT $1,000 0.03% 0.03% SUPER NOW $0.01 TO $2,499.99 0.03% 0.03% $2,500 AND ABOVE 0.03% 0.03% MONEY MARKET  $0.01 TO $4,999.99 0.03% 0.03% $5,000 TO $9,999.99 0.05% 0.05% $10,000 TO $24,999.99 0.10% 0.10%    $25,000 TO $49,999.99 0.10% 0.10% $50,000 TO $99,999.99  0.15%  0.15% $100,000 AND ABOVE 0.20% 0.20% STATEMENT SAVINGS $100.00 0.10% 0.10% CHRISTMAS CLUB NONE 0.10% 0.10%

**ANNUAL YIELD---ANNUAL PERCENTAGE YIELD (APY).  RATES ARE ACCURATE AS OF  May 3, 2013