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Benefit 55 Benefit 55
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Benefit 55 0.25% 0.25% $0.00 $300.00 Yes
Minimum Balance is the Minimum Balance to Obtain APY
Fees could reduce earnings on accounts
Rates are subject to change at the discretion of the bank on all variable rate (Variable) account

Certificate of Deposit Certificate of Deposit
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
30 Day CD 0.40% 0.40% $1,000.00 $1,000.00
91 Day CD 0.60% 0.60% $1,000.00 $1,000.00
6 Month CD 1.25% 1.25% $1,000.00 $1,000.00
12 Month CD 1.50% 1.49% $1,000.00 $1,000.00
18 Month CD 1.60% 1.59% $1,000.00 $1,000.00
CD Special 9 Month 1.60% 1.59% $5,000.00 $5,000.00
24 Month CD 1.70% 1.69% $1,000.00 $1,000.00
CD Special 19 Month 1.80% 1.79% $5,000.00 $5,000.00
30 Month CD 1.90% 1.89% $1,000.00 $1,000.00
36 Month CD 2.10% 2.09% $1,000.00 $1,000.00
48 Month CD 2.50% 2.49% $1,000.00 $1,000.00
60 Month CD 2.80% 2.78% $1,000.00 $1,000.00
Fees could reduce earnings
A penalty could be imposed for early withdrawal

Citizens Choice Citizens Choice
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Citizens Choice 0.25% 0.25% $0.00 $1,000.00 Yes
Fees could reduce earnings on accounts
Minimum Balance is the Minimum Balance ot Obtain APY
Rates are subject to change at the discretion of the bank on all variable rate (Variable) account

NOW Account Direct Banking Now Account
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
NOW Account 0.25% 0.25% $0.00 $0.00 Yes
Minimum Balance is the Minimum Balance to Obtain APY
Fees could reduce earnings on accounts
Rates are subject to change at the discretion of the bank on all variable rate (Variable) account

Passbook Savings Passbook Savings
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Savings Account 0.50% 0.50% $50.00 $10.00 Yes
Fees could reduce earnings on accounts
Minimum Balance is the Minimum Balance to Obtain APY
Rates are subject to change at the discretion of the bank on all variable rate (Variable) account

Premium Investment Money Market Account Premium Investment Money Market Account
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Premium Investment Money Market - Tier #5 0.40% 0.40% $1,000.00 $1,000.00 Yes
If your average daily collected balance is more than $999, but less than $10,000, the interest rate and annual percentage yield paid will be based upon the entire balance in your account.
Premium Investment Money Market - Tier #4 0.50% 0.50% $1,000.00 $10,000.00 Yes
If your average daily collected balance is more than $9,999, but less than $50,000, the interest rate and annual percentage yield paid will be based upon the entire balance in your account.
Premium Investment Money Market - Tier #3 0.80% 0.80% $1,000.00 $50,000.00 Yes
If your average daily collected balance is more than $49,999, but less than $100,000, the interest rate and annual percentage yield paid will be based upon the entire balance in your account.
Premium Investment Money Market - Tier #2 0.90% 0.90% $1,000.00 $100,000.00 Yes
If your average daily collected balance is more than $99,999, but less than $500,000, the interest rate and annual percentage yield paid will be based upon the entire balance in your account.
Premium Investment Money Market - Tier #1 1.00% 1.00% $1,000.00 $500,000.00 Yes
If your average daily collected balance is $500,000 or more, the interest rate and annual percentage yield paid will be based upon the entire balance in your account.
Minimum Balance is the Minimum Balance to Obtain APY
Fees could reduce earnings on accounts
Rates are subject to change at the discretion of the bank on all variable rate (Variable) account

Interest rates and annual percentage yields (APY) effective as of 3/10/2010
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