Rates Effective as of January 1, 2010

Certificates of Deposit *
Account Type	Rate	**APY
182 days	1.00%	1.00%
12 months	1.25%	1.26%
24 months	1.75%	1.76%
36 months	2.25%	2.27%

*Penalty for early withdrawal
Rates may change after account is opened.

Savings Accounts
Account Type	Rate	**APY
Passbook Savings	.40%	.40%
IRA Savings	2.25%	2.27%

*Penalty for early withdrawal.
Fees may reduce earnings on the account.
Rates may change after account is opened.

NOW Account
Account Type	Rate	**APY
$0.01 - $9,999.99	.15%	.15%
Over $10,000.00	.15%	.15%

Rates may change after account is opened.

Money Market
Account Type	Rate	**APY
$0.01 - $9,999.99	.15%	.15%
$10,000.00 - $49,999.99	.40%	.40%
$50,000.00 - $99,999.99	.50%	.50%
Over $100,000.00	.60%	.60%

*Penalty for early withdrawal.
Rates may change after account is opened.

PLEASE CONTACT ANY BANK EMPLOYEE FOR ADDITIONAL INFORMATION

*In the event that the depositor is allowed to withdraw all or part of his/her deposit before maturity, a substantial penalty will be imposed.
**APY = Annual Percentage Yield