Rates effective as of 01/01/2012

Account Type	Minimum Deposit to Open Account	Minimum Balance* to Obtain Annual Percentage Yld.	Interest Rate	Annual Percentage Yield
Interest Checking	$1,000	$0	0.05	0.05
	$1,000	$2,500	0.10	0.10
Rewards Checking	$20,000	$20,000	0.25	0.25
Savings	$100	$100	0.10	0.10
Investors Money Market Savings	N/A	$0 - $9,999	0.10	0.10
	N/A	$10,000 - $24,999	0.25	0.25
	N/A	$25,000 - $49,999	0.35	0.35
	N/A	$50,000 - $99,999	0.40	0.40
	N/A	$100,000 or more	0.50	0.50

*Daily Balance (the amount of principal in the account each day)

Account Type	Minimum Deposit to Open Account	Minimum Balance* to Obtain Annual Percentage Yld.	Early Withdrawal Penalty	Interest Rate	Annual Percentage Yield
IRAs	$100	$100	3 mo.	1.25	1.26
3 Month CD	$1,000	$1,000	1 mo.	0.25	0.25
6 Month CD	$1,000	$1,000	3 mo.	0.35	0.35
6 Month CD	$10,000	$10,000	3 mo.	0.40	0.40
12 Month CD	$1,000	$1,000	3 mo.	0.60	0.60
24 Month CD	$500	$500	6 mo.	0.85	0.85
30 Month CD	$500	$500	6 mo.	0.95	00.95
36 Month CD	$500	$500	6 mo.	1.25	1.26
5 Year CD	$500	$500	6 mo.	1.60	1.61