MONEY MARKET SAVINGS DISCLOSURE

Current Rates as of 3/01/12

Fee Schedule

* Monthly maintenance fee if balance is below $2500.00, $15.00 plus tax per month

* Each telephone transfer or pre-authorized payment to a third party over the six (6) monthly limit are $5.00 each

* Dormant accounts will have a $2.00 per month fee.

Rate Information

If you daily balance is more than $0.00, but less than $2,500.00, the interest rate paid on the entire balance in your account will be 0.10% with an Annual Percentage Yield (APY) of 0.11%.

If you daily balance is more than $2.500.00, but less than $10,000.00, the interest rate paid on the entire balance in your account will be 0.15% with an Annual Percentage Yield (APY) of 0.16%.

If you daily balance is more than $10,000.00, but less than $25,000.00, the interest rate paid on the entire balance in your account will be 0.20% with an Annual Percentage Yield (APY) of 0.21%.

If you daily balance is more than $25,000.00 or higher, the interest rate paid on the entire balance in your account will be 0.25% with an Annual Percentage Yield (APY) of 0.26%.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time.

Interest will be compounded and credited on a monthly basis. If you close the account before interest is credited, you will not receive accrued interest.

Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks).

Minimum Balance Requirement

You must deposit $100.00 to open an account.

Balance Computation Method

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Transaction Limitations

There is a limit of six (6) telephone transfers or pre-authorized payments to third parties.

You may make three (3) withdrawals from the account each month without fee.

You may make six (6) deposits into the account each month without fee.

Fees could reduce earnings for those accounts that apply.

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