Interest Bearing Accounts Interest Rates & Annual Percentage Yield's (APY's) are current as of Tuesday, September 7, 2010

Certificate Rates

Description    Interest Rate Annual Percentage Yield 3 Month 1.10% 1.11% 6 Month 1.34% 1.35% 12 Month 1.56% 1.57% 15 Month 1.59% 1.60% 18 Month 1.62% 1.63% 24 Month 1.89% 1.90% 30 Month 1.98% 1.99% 36 Month 2.28% 2.30% 48 Month 2.57% 2.59% 5 Year 2.82% 2.85% **$500.00 minimum deposit to open these certificates of deposit. **There may be a penalty for early withdrawal.

Equity Growth Saving Account

Description    Interest Rate Annual Percentage Yield Average Daily Balance of $0.00-$4,999. 0.35% 0.35% Average Daily Balance of $5,000 - $24,999 0.50% 0.50% Average Daily Balance of $25,000 - $49,999 0.75% 0.75% Average Daily Balance of $50,000 + 1.01% 1.01% **$5,000.00 minimum deposit to open the account. **Interest rate is calculated on the prior month's average of the 91-day T-bill rate. **The interest rate is variable and changes on the first business day of each month.

Premium Checking

Description    Interest Rate Annual Percentage Yield Average Daily Balance of $0.00-$9,999. 0.00% 0.00% Average Daily Balance of $10,000 - $24,999 0.25% 0.25% Average Daily Balance of $25,000 - $49,999 0.25% 0.25% Average Daily Balance of $50,000 + 0.25% 0.25% **$10,000.00 minumum to open the account. **The interest rate on the account is variable and changes on the first business day of each month. **$10,000. minumum average daily balance required to earn interest.