CERTIFICATE OF DEPOSIT SPECIALS

- 9 Month Term - .85% APY
- $5,000 Minimum Deposit

- 30 Month Term- 1.46% APY
- $5,000 Minimum Deposit

Annual percentage yield (APY) is effective as of 1/11/12 and is subject to change at any time. Early withdrawal penalties may be imposed on certificates of deposit. The certificate of deposit APY assumes that interest will remain on deposit until maturity.