Effective 02/10/10

Account Type	Interest Rate	APY*
Hometown Checking *Minimum of $100.00 to open	-	-
Regular Checking *Minimum of $100.00 to open	0.10%	0.10%
Platinum 50 Checking *Minimum of $100.00 to open	0.10%	0.10%
Premier Checking *Minimum of $100.00 to open
$0-2,499.99	0.10%	0.10%
$2,500-4,999.99	0.10%	0.10%
$5,000-9,999.99	0.10%	0.10%
$10,000 - 499,999.99	0.10%	0.10%
$500,000 or higher	0.25%	0.25%
Premium Money Market *Minimum of $2,500.00 to open
$2,500-9,999.99	0.10%	0.10%
$10,000 - 24,999.99	0.75%	0.75%
$25,000.00 - higher	1.64%	1.65%
$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	0.10%	0.10%
$10,000-14,999.99	0.10%	0.10%
$15,000 - 249,999.99	0.25%	0.25%
$250,000 or higher	1.00%	1.01%
Personal Savings *Minimum of $100.00 to open
Interest paid monthly if balance falls below $2,500	0.10%	0.10%
Interest paid monthly for balances of $2,500-4,999.99	0.10%	0.10%
Interest paid monthly for balances of $5,000-9,999.99	0.10%	0.10%
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	0.25%	0.25%
Business Savings *Minimum of $100.00 to open	0.10%	0.10%
Certificates of Deposit (Minimum deposit of $5000 required on all Certificates of Deposit. Certificates of Deposit Subject to Early Withdrawal Penalty.)
6 months	1.49%	1.50%
12 months	1.74%	1.75%
18 months	1.83%	1.85%
24 months	2.08%	2.10%
36 months	2.23%	2.25%
60 months	2.23%	2.25%
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
A - Checking or Savings Account required with minimum $500 opening deposit