Certificate and IRA Rates | Variable Rate Savings Account

Variable Rate Savings Account
Interest Compounded Daily, Posted Monthly
See Account Disclosure for Complete Information
on Savings Accounts

Rates Effective October 3, 2011

$500.00 Minimum required to open a savings account and also
required to earn stated Annual Percentage Yield and Effective
Interest Rate. Balances less than $500.00 do not earn any
interest. Interest is calculated and earned until the day the
balance drops below $500.00.

Variable Rate Savings Account $500.00 Minimum
Balance	Interest Rate	Annual Percentage Yield
$500 Minimum	0.80%	0.80%

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

Total GAAP Net Worth at 12/31/11  -      $95,595,000

Total Risk-based Capital at 12/31/11  -           17.58%
Tier 1 Leverage Capital Ratio at 12/31/11  -   13.26%