Current Rates

Rates effective from 9/01/10-9/07/10.

CD Rates (Subject to Change)

Term	Rate	APY	Minimum Daily Balance to Obtain APY
8 Month	.70%	.70%	$10,000.00
14 Month	1.00%	1.00%	$5,000.00
29 Month	1.44%	1.45%	$5,000.00
**91 Day	0.40%	0.40%	$2,500.00
**182 Day	0.60%	0.60%	$2,500.00
**1 Year	.90%	.90%	$500.00
**18 Month	1.00%	1.00%	$500.00
**2 Year	1.19%	1.20%	$500.00
2 Year Add 2	1.24%	1.25%	$500.00
**30 Month	1.44%	1.45%	$500.00
**3 Year	1.69%	1.70%	$500.00
**4 Year	2.18%	2.20%	$500.00
**5 Year	2.43%	2.45%	$500.00
** Automatically renewable

	Rate	APY	Minimum Daily Balance to Obtain APY
Rewards Tier One	0.05%	0.05%	$800.00
Rewards Tier Two	0.25%	0.25%	$2,500.01
Prime Adventure	0.05%	0.05%	$500.00
Super Money Market	0.10%	0.10%	$2,500.00
Smart Investor MM - Tier 1	0.05%	0.05%	$2,500.00
Smart Investor MM - Tier 2	0.15%	0.15%	$10,000.00
Smart Investor MM - Tier 3	0.20%	0.20%	$25,000.00
Smart Investor MM - Tier 4	0.30%	0.30%	$50,000.00
Smart Investor MM - Tier 5	0.40%	0.40%	$100,000.00

	Rate	APY	Minimum Daily Balance to Obtain APY
Savings	0.10%	0.10%	$5.00
Savings Growth	1.29%	1.30%	$100.00
IRAs	Same terms and conditions as automatically renewable CDs.

FEES MAY REDUCE EARNINGS.
APY REPRESENTS ANNUAL PERCENTAGE YIELD.

A PENALTY WILL BE IMPOSED FOR FUNDS WITHDRAWN
PRIOR TO MATURITY FOR ALL TIME DEPOSITS.

REQUEST FURTHER INFORMATION FROM AN EMPLOYEE
CONCERNING THE FEES AND TERMS APPLICABLE TO
THE ADVERTISED AMOUNT.

Repurchase
Agreement

0.10%

N/A

$5,000.00

Repurchase Agreement NOT FDIC Insured