Effective 01/31/12

Account Type	Interest Rate	APY*
Hometown Checking *Minimum of $100.00 to open	-	-
Regular Checking *Minimum of $100.00 to open	0.05%	0.05%
Platinum 50 Checking *Minimum of $100.00 to open	0.05%	0.05%
Premier Checking *Minimum of $100.00 to open
$0-2,499.99	0.05%	0.05%
$2,500-4,999.99	0.05%	0.05%
$5,000-9,999.99	0.05%	0.05%
$10,000 - 499,999.99	0.10%	0.10%
$500,000 or higher	0.15%	0.15%
Premium Money Market *Minimum of $2,500.00 to open
$2,500-9,999.99	0.05%	0.05%
$10,000 - 24,999.99	0.10%	0.10%
$25,000.00 or higher	0.15%	0.15%
$15.00 Service Charge if Balance falls below $2,500.00 any day.
Transfers to another account or third parties are limited to six (6) per statement cycle with no more than three (3) by check $8.00 fee for each withdrawal over six (6)
Business Money Market *Minimum of $100.00 to open
$5,000-9,999.99	0.05%	0.05%
$10,000-14,999.99	0.05%	0.05%
$15,000 - 249,999.99	0.10%	0.10%
$250,000 or higher	0.15%	0.15%
Personal Savings *Minimum of $100.00 to open
Interest paid monthly for balances of 0-4,999.99	0.05%	0.05%
Interest paid monthly for balances of $5,000-9,999.99	0.05%	0.05%
Interest paid monthly for balances of $10,000 - 499,999.99	0.10%	0.10%
Interest paid monthly for balances of $500,000 or higher	0.15%	0.15%
Business Savings *Minimum of $100.00 to open	0.05%	0.05%
Certificates of Deposit (Minimum deposit of $5000 required on all Certificates of Deposit. Certificates of Deposit Subject to Early Withdrawal Penalty.)
6 months	0.20%	0.20%
12 months	0.50%	0.50%
18 months	0.60%	0.60%
24 months	0.75%	0.75%
36 months	0.99%	1.00%
60 months	1.24%	1.25%
Minimum deposit of $1000 required on all consumer Certificates of Deposit
Minimum deposit of $5000 required on all commercial Certificates of Deposit
Rates are subject to change after account opening
*Annual Percentage Yield
Fees may reduce earnings