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, 2013 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%