The following rates were declared and posted for Quarter Ending March 31, 2012.

Regular Savings Accounts

Account Type Nominal Rate APY*

Under $49.99 0.00% 0.000% $50.00 to $9,999.99 0.05% 0.05% $10,000.00 to $24,999.99 0.075% 0.075% $25,000.00 & Up 0.075% 0.075%

Christmas Club 0.05% 0.05%

Individual Retirement Accounts 0.10% 0.10%

Vacation Club Accounts 0.05% 0.05%

All rates subject to change without notice. *APY is the Annual Percentage Yield.