Rates

Rates effective as of 3/19/2013
APY = Annual Percentage Yield
Fees may reduce earnings

Checking Rates

Product	Minimum Required Opening Deposit		APY*
Reward Checking¹	$25.00	On balances up to $25,000	2.50%
		On amount of balance over $25,000	0.50%
		If qualifications are not met	0.05%
Basic Checking	$10.00		N/A

Reward Checking Qualifications
Be enrolled and receive eStatement notices
Be enrolled and log into online banking
Have at least 10 debit card transactions post and settle

Savings Rates

Product	Minimum Required Opening Deposit		APY*
Real Saver²	$25.00	On balances up to $50,000	1.00%
		On amount of balance over $50,000.01	0.50%
		If qualifications are not met	0.05%
Basic Savings	$10.00		0.20%
Personal Money Market Account	$25.00	$10.00-$2,499.99	0.15%
		$2,500-$24,999.99	0.20%
		$25,000-$49,999.99	0.25%
		$50,000 or more	0.30%
Business Money Market Account	$25.00	$10.00-$9,999.99***	0.15%
		$10,000-$49,999.99	0.25%
		$50,000-$99,999.99	0.30%
		$100,000.00 to $998,000 $999,000 or more (See Branch Personnel)	0.35%

Reward Checking Qualifications For Real Saver
Be enrolled and receive eStatement notices
Be enrolled and log into online banking
Have at least 10 debit card transactions post and settle

Certificates of Deposit Rates

Product	Minimum Required Opening Deposit	APY*
6 Month	$1,000	0.25%
8 Month	$1,000	0.25%
12 Month	$1,000	0.35%
15 Month	$1,000	0.35%
24 Month	$1,000	0.55%
30 Month	$1,000	0.65%
36 Month	$1,000	0.75%
48 Month	$1,000	1.05%
60 Month	$1,000	1.45%

Home Equity Loan Rates

Home Equity	APR**	Maximum Amount	Maximum Term	Maximum L-T-V	Payment per $1,000
Line of Credit³	3.25%	N/A	20 yrs.⁴	80%	$2.71
Loan	4.750%	N/A	5 yrs.	80%	$18.76
	4.990%		10 yrs.		$10.61
	5.125%		15 yrs.		$7.98

Auto Loan Rates

Loan	Term	APR**	Down Payment	Payment per $1,000
New Car or Truck
2011-2012	60 mo.	5.750%	10%	$19.22
	48 mo.	5.490%	10%	$23.25
Used Car or Truck
2007-2010	60 mo.	5.990%	10%	$19.33
2007-2010	48 mo.	5.750%	10%	$23.38

*APY = Annual Percentage Yield

** APR = Annual Percentage Rate

1. Minimum to open account is $25. Annual Percentage Yield (APY) accurate as of 3/20/12. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.50% interest rate on portion of balance over $25,000, resulting in 0.50% -2.50% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Rates may change after the account is opened. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

2. Minimum to open Real Saver account is $25 and $25 for Reward Checking. Annual Percentage Yield (APY) accurate as of 3/20/12. For Kasasa Cash, if qualifications are met each monthly qualification cycle, domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.50% interest rate on portion of balance over $10,000, resulting in 0.50% - 1.00% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Rates may change after the account is opened. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

3. For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18%. Property insurance is required for all home equity products.

4. Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.

Interest is compounded daily for Certificates 12 months or longer and monthly on maturities less than 12 months: Real Saver,Basic Saving; Rewards Checking and Personal MMA / Business Money Market accounts. The Annual Percentage Yield (APY) is accurate as of the date shown above.

Fees could reduce earnings on the account. Please refer to our Fee Schedule. Rates of Savings and checking accounts may change after the account is opened. A penalty may be imposed for early withdrawal from Certificates of Deposit funds equaling 6 months interest on original maturities of 12 months or longer, and 3 months interest on original maturities of less than 12 months.

*** $10 monthly fee if balance is less than $10,000

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

PLEASE SEE A COMMUNITY BANKER FOR FURTHER DETAILS

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