Checking Accounts

Certificate of Deposit Rates

PRODUCT

MINIMUM OPENING DEPOSIT

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD

INTEREST COMPOUNDING

INTEREST RATE

*ANNUAL PERCENTAGE YIELD

PRODUCT: 3 Month CD (a)

MINIMUM OPENING DEPOSIT: $1,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $1,000.00 (c)

INTEREST COMPOUNDING: Monthly

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 6 Month CD (a)

MINIMUM OPENING DEPOSIT: $250.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $250.00 (c)

INTEREST COMPOUNDING: Monthly

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 9 Month Add-On CD (a)

MINIMUM OPENING DEPOSIT: $250.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $250.00 (c)

INTEREST COMPOUNDING: Monthly

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 12 Month CD (a)

MINIMUM OPENING DEPOSIT: $250.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $250.00 (c)

INTEREST COMPOUNDING: Monthly

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 18 Month CD (a)

MINIMUM OPENING DEPOSIT: $250.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $250.00 (c)

INTEREST COMPOUNDING: Daily

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 24 Month CD (a)

MINIMUM OPENING DEPOSIT: $250.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $250.00 (c)

INTEREST COMPOUNDING: Daily

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 30 Month CD (a)

MINIMUM OPENING DEPOSIT: $250.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $250.00 (c)

INTEREST COMPOUNDING: Daily

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yeild may change after account opening.
c) Daily balance. The amount of the principal in the account each day.
d) Average daily balance. The average daily balance is calcualted by adding the princiapl in the account for each day of the period and dividing that figure by the number of days in the period

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yeilds are current as of 1/19/2011.
For current rate information call (620) 872-2143.

CD Rates (Special)

PRODUCT

MINIMUM OPENING DEPOSIT

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD

INTEREST COMPOUNDING

INTEREST RATE

*ANNUAL PERCENTAGE YIELD

PRODUCT: 3 Month CD (a)

MINIMUM OPENING DEPOSIT: $20,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $20,000.00

INTEREST COMPOUNDING: *see below

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 6 Month CD (a)

MINIMUM OPENING DEPOSIT: $20,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $20,000.00

INTEREST COMPOUNDING: *see below

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 9 Month CD (a)

MINIMUM OPENING DEPOSIT: $20,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $20,000.00

INTEREST COMPOUNDING: *see below

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 12 Month CD (a)

MINIMUM OPENING DEPOSIT: $20,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $20,000.00

INTEREST COMPOUNDING: *see below

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: 18 Month CD (a)

MINIMUM OPENING DEPOSIT: $20,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $20,000.00

INTEREST COMPOUNDING: *see below

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

* The above rates and annual percentage yields apply to Certificates of Deposit in the accumulative amount of $20,000.00 or more assuming maximum compounding option.
Rates are effective as of 1/19/2011.
Rates are subject to change at any time without notice.
Penalties for early withdrawal.

Checking & Savings Rates

PRODUCT

MINIMUM OPENING DEPOSIT

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD

INTEREST RATE

*ANNUAL PERCENTAGE YIELD

PRODUCT: NOW Account (b)

MINIMUM OPENING DEPOSIT: $1,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $1,000.00 (d)

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: Money Market Deposit Account (b)

MINIMUM OPENING DEPOSIT: $1,000.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $1,000.00 (d)

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: Regular Savings (b)

MINIMUM OPENING DEPOSIT: $12.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $12.00 (c)

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

PRODUCT: Individual Retirement Account (b)

MINIMUM OPENING DEPOSIT: $5.00

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD: $5.00 (c)

INTEREST RATE: Please Call for Rates

*ANNUAL PERCENTAGE YIELD:

a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yeild may change after account opening.
c) Daily balance. The amount of the principal in the account each day.
d) Average daily balance. The average daily balance is calcualted by adding the princiapl in the account for each day of the period and dividing that figure by the number of days in the period

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yeilds are current as of 03/16/2010.
For current rate information call (620) 872-2143.