Now Available ! Internet Business Cash Management Learn More ...... APPLY NOW for an Internet Banking Account !     Internet Bill Payment free! Sign up today!       Annual Percentage Yield is accurate as of: 03/05/2010  NOW Accounts*   Current Interest Rate Current Annual Percentage Yield Minimum Daily Balance to Obtain A.P.Y. Select A Balance Range 1,500 - 24,999.99 25,000 - 49,999.99 50,000 - 99,999.99 100,000 & above     * Minimum balance to open NOW accounts $100.00. Rates may change after account is opened. Fees could reduce earnings.  Money Market Accounts ** Money Market Current Interest Rate Current Annual Percentage Yield Minimum Daily Balance to Obtain A.P.Y. Select A Balance Range 2,500 - 9,999.99 10,000 - 24,999.99 25,000 - 49,999.99 50,000 & above      Savings Accounts*** Commercial Savings Current Interest Rate Current Annual Percentage Yield Minimum Daily Balance to Obtain A.P.Y. Select A Balance Range up to 9,999.99 10,000 - 24,999.99 25,000 - 49,999.99 50,000 & above     Premium Savings Current Interest Rate Current Annual Percentage Yield Minimum Daily Balance to Obtain A.P.Y. Select A Balance Range up to 9,999.99 10,000 - 24,999.99 25,000 - 49,999.99 50,000 & above     *** Minimum balance to open Commercial and Premium Savings account $100.00. Rates may change after account is opened. Fees could reduce earnings.  Certificates of Deposit****   Current Interest Rate Current Annual Percentage Yield $1,000.00 Minimum Daily Balance to Obtain A.P.Y. Select A Term 1-2 Month CD 3-5 Month CD 6-11 Month CD 12-17 Month CD 18-23 Month CD 24-29 Month CD 30-35 Month CD 36-59 Month CD 60 Month CD     **** The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty imposed for early withdrawal. Minimum balance to open $1,000.00.  IRA****   Current Interest Rate Current Annual Percentage Yield Minimum Daily Balance to Obtain A.P.Y. Select A Balance Range 12 Month IRA 18 Month IRA 24 Month IRA 30 Month IRA 36 Month IRA 60 Month IRA     **** The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalty imposed for early withdrawal. Minimum balance to open $1,000.00.  Commerical Analysis Earnings Credit Rate Effective for: 02/2010 0.75

March 10, 2010

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