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Rates effective as of 02-06-12 and are subject to change.

ACCOUNT TYPES†	APR	APY	BALANCE REQUIREMENTS
Share Savings	0.15%	0.15%	$    25.00
Share Draft Checking	--	--	--
Money Market	0.100%	0.100%	$   1,000.00
Money Market	0.250%	0.250%	$ 10,000.00
Money Market	0.500%	0.501%	$ 25,000.00
KidShares	0.250%	0.250%	$     25.00
Club Accounts	0.250%	0.250%	$     25.00
Accumulator IRA	1.000%	1.004%	$     25.00
Traditional IRA	1.000%	1.004%	$1,000.00
KidShare Certificates	see term rates below		$   500.00
Share Certificates	see term rates below		$   500.00

 † Fees may reduce the earnings on the account. 

Share Certificates‡	Standard Share Certificates		Roth and Educational IRA Share Certificates		Standard IRA  Share Certificates
Term	APR	APY	APR	APY	APR	APY
3 Month	0.250%	0.250%	NA	NA	NA	NA
6 Month	0.500%	0.501%	NA	NA	NA	NA
12 Month	0.750%	0.752%	0.750%	0.752%	0.750%	0.752%
24 Month	1.500%	1.508%	1.500%	1.508%	1.500%	1.508%
36 Month	1.750%	1.762%	1.750%	1.762%	1.750%	1.762%

‡ A penalty may be imposed for early withdrawal.

APY - Annual Percentage Yield
IRA - Individual Retirement Account
NA - Not Available