Rates Effective as of February 1, 2012

Certificates of Deposit *
Account Type	Rate	**APY
182 days	.50%	.50%
12 months	.75%	.75%
24 months	1.00%	1.00%
36 months	1.50%	1.51%

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

Savings Accounts
Account Type	Rate	**APY
Passbook Savings	.20%	.20%
IRA Savings	1.50%	1.51%

*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	.05%	.05%
Over $10,000.00	.05%	.05%

Rates may change after account is opened.

Money Market
Account Type	Rate	**APY
$0.01 - $9,999.99	.05%	.05%
$10,000.00 - $49,999.99	.15%	.15%
$50,000.00 - $99,999.99	.15%	.15%
Over $100,000.00	.25%	.25%

*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