Deposit Rates                              CD/IRA Rates | Fee Schedule

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August 25, 2010 OTHER ACCOUNTS     (The interest rate and annual percentage yield may change after account opening) Minimum Balance to Open Interest Rate Annual Percentage Yield  Statement Savings, Premier Savings $100 0.15% 0.15%  Holiday Club Savings $10 0.15% 0.15%  Money Market Account - Personal Daily Balances of: Minimum Balance to Open Interest Rate Annual Percentage Yield  Up to $ 2,499.99 $100 0.10% 0.10%  $ 2,500 - $ 9,999.99 0.15% 0.15%  $10,000 - $24,999.99 0.20% 0.20%  $25,000 - $49,999.99 0.25% 0.25%  $50,000 - $74,999.99 0.30% 0.30%  $75,000 or more 0.40% 0.40%  Money Market Account - Business Daily Balances of: Minimum Balance to Open Interest Rate Annual Percentage Yield  Up to $ 2,499.99 $100 0.10% 0.10%  $ 2,500 - $ 9,999.99 0.15% 0.15%  $10,000 - $24,999.99 0.20% 0.20%  $25,000 - $49,999.99 0.25% 0.25%  $50,000 - $74,999.99 0.30% 0.30%  $75,000 or more 0.40% 0.40%  Smart Choice Money Market Account - Personal Daily Balances of: Minimum Balance to Open Interest Rate Annual Percentage Yield  Up to $ 9,999.99 $25,000 0.15% 0.15%  $10,000 - $24,999.99 0.20% 0.20%  $25,000 - $49,999.99 0.25% 0.25%  $50,000 - $99,999.99 0.35% 0.35%  $100,000 - $249,999.99 0.40% 0.40%  $250,000 or more 0.45% 0.45%  Smart Choice Money Market Account - Business Daily Balances of: Minimum Balance to Open Interest Rate Percentage Yield  Up to $ 9,999.99 $25,000 0.15% 0.15%  $10,000 - $24,999.99 0.20% 0.20%  $25,000 - $49,999.99 0.25% 0.25%  $50,000 - $99,999.99 0.35% 0.35%  $100,000 - $249,999.99 0.40% 0.40%  $250,000 or more 0.45% 0.45%  NOW Checking , Celebration 50 and Premier Checking Daily Balances of: Minimum Balance to Open Interest Rate Annual Percentage Yield  Up to $ 4,999.99 $ 100 0.10% 0.10%  $5,000 and up 0.10% 0.10%

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields (APY’s) are current as of the effective date. See Deposit Agreement. Interest Rate and APY’s may change after account opening. For current rate information call (253) 848-2316.