As of May 22, 2013

SHARES NOMINAL RATE APY*

$5.00 - $1,499.99 0.10% 0.10%

$1,500.00 - $14,999.99 0.20% 0.20%

$15,000.00 - $34,999.99 0.20% 0.20%

$35,000.00 & Up 0.20% 0.20%

CHECKING NOMINAL RATE APY*

$500.00 & Up 0.00% 0.00%

CD's** NOMINAL RATE APY*

6 Month (Min $500) 0.25% 0.25%

12 Month (Min $500) 0.40% 0.40%

18 Month (Min $500) 0.55% 0.55%

24 Month (Min $1,000) 0.70% 0.70%

36 Month (Min $1,000) 0.95% 0.95%

48 Month (Min $1,000) 1.10% 1.11%

MONEY MARKET NOMINAL RATE APY*

$2,500.00 - $4,999.99 0.15% 0.15%

$5,000 - $24,999.99 0.25% 0.25%

$25,000.00 - $49,999.99 0.25% 0.25%

$50,000.00 & Up 0.40% 0.40%

IRA's NOMINAL RATE APY*

Up To $4,999.99 0.65% 0.65%

$5,000 - $24,999.99 0.65% 0.65%

$25,000.00 - $49,999.99 0.90% 0.90%

$50,000.00 & Up 1.15% 1.16%

CHRISTMAS CLUB NOMINAL RATE APY*

All 0.20% 0.20%

*APY = Annual Percentage Yield. Rates subject to change without notice.

**A penalty may be imposed for early withdrawal of certificates of deposit.

See your account disclosure.