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ACCOUNT DISCLOSURE

ACCOUNT DISCLOSURE  -  IRA's

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Certificate and IRA Rates | Variable Rate Savings Account

Variable Rate Savings Account
Interest Compounded Daily, Posted Monthly
Rates Effective March 1, 2010

Variable Rate Savings Account
$500.00 Minimum

Balance

Interest
Rate
Annual
Percentage
Yield
$500 Minimum
 
0.95% 0.95%

Limit of (4) Withdrawals per Month
Rates subject to change without notice.

Each depositor insured to at least $250,000
through December 31, 20
13 by FDIC.

Total GAAP Net Worth at 12/31/09 - $81,203,000

Total Risk-based Capital at 12/31/09 -         12.11%
Tier 1 Leverage Capital Ratio at 12/31/09 -   9.79%