CERTIFICATE RATES EFFECTIVE AS OF APRIL 30, 2013
  
    RATE APY RATE APY RATE APY  
  TERM $500 TO $4,999 $5,000 TO $14,999 OVER $15,000  
            IRA RATES  
  IRA - 30 DAY IRA         0.17% 0.17%  
  IRA - 18 MO. VARIBLE         0.50% 0.50%  
  32 THRU 90 DAYS 0.07% 0.07% 0.12% 0.12% 0.17% 0.17%  
  91 DAYS THRU 5 MO. 0.15% 0.15% 0.20% 0.20% 0.25% 0.25%  
  6 MO. THRU 11 MO. 0.20% 0.20% 0.25% 0.25% 0.30% 0.30%  
  12 MO. THRU 17 MO. 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%  
  18 MO. THRU 23 MO. 0.40% 0.40% 0.45% 0.45% 0.50% 0.50%  
  24 MO. THRU 29 MO. 0.50% 0.50% 0.55% 0.55% 0.60% 0.60%  
  30 MO. THRU 35 MO. 0.60% 0.60% 0.65% 0.65% 0.70% 0.70%  
  36 MO. THRU 47 MO. 0.80% 0.80% 0.85% 0.85% 0.90% 0.90%  
  48 MO. THRU 59 MO. 1.05% 1.05% 1.10% 1.10% 1.15% 1.15%  
  60 MONTHS 1.29% 1.30% 1.34% 1.35% 1.39% 1.40%  
    1 MONTH SPECIAL 0.15% 0.15% 0.20% 0.20% 0.25% 0.25%  
  8 MONTH SPECIAL 0.30% 0.30% 0.35% 0.35% 0.40% 0.40%  
  15 MONTH SPECIAL 0.70% 0.70% 0.75% 0.75% 0.80% 0.80%  
  22 MONTH SPECIAL 0.90% 0.90% 0.95% 0.95% 1.00% 1.00%  
  39 MONTH SPECIAL 1.05% 1.05% 1.10% 1.10% 1.15% 1.15%  
  69 MONTH SPECIAL 1.44% 1.45% 1.49% 1.50% 1.54% 1.55%  
               
  CHECKING & SAVINGS RATES              
  ADVANTAGE ACCT 0.12% 0.12%          
  SUPER ADVANTAGE 0.10% 0.10%          
  REWARD CHECKING 0.06% 0.06%          
  PRESTIGE 50 0.06% 0.06%          
  BASIC CHECKING NON-INTEREST BEARING  
  FREEDOM CHECKING NON-INTEREST BEARING  
  EXPRESS CHECKING NON-INTEREST BEARING  
  FAMILY CLUB ACCT NON-INTEREST BEARING  
  PRESTIGE STUDENT NON-INTEREST BEARING  
                 
  PASSBOOK SAVINGS 0.10% 0.10%          
  *** RATES SUBJECT TO CHANGE WITHOUT NOTICE, CALL OR E-MAIL FOR A CURRENT RATE QUOTE.  
  **** Substantial Penalty For Early Withdrawl   
  **** APY -- ANNUAL PERCENTAGE YIELD  
  ***** CD's & Savings Compounded Qtrly, Advantage, Super Advantage,  
  Reward and Prestige 50 Checking Accounts Are Compounded On A Monthly Basis