Effective as of 01/23/2012

Savings Rates
Product	Minimum Balance	Rate	APY*
Checking Accounts	$25.00	.100%	0.10%
Christmas Club	$5.00	.250%	0.25%
Passbook Savings	$25.00	.250%	0.25%
Money Market	$10,000	.250%	.25%
Money Market	$25,000	.250%	.25%
06-11 Month Certificate	$1,000.00	.200%	.20%
12-23 Month Certificate	$1,000.00	.300%	.30%
24-35 Month Certificate	$1,000.00	.598%	.60%
36-47 Month Certificate	$1,000.00	.995%	1.00%
48-59 Month Certificate	$1,000.00	1.391%	1.40%
60 Month Certificate	$1,000.00	1.588%	1.60%
8 Month Special	$5,000.00	.250%	.25%
16 Month Special	$5,000.00	.349%	.35%
*Annual Percentage Yield