Share Savings, IRA Savings, Coverdell and Ultimate Rewards

ACCOUNT TYPE MINIMUM BALANCE TO OBTAIN APY DIVIDEND RATE ANNUAL PERCENTAGE YIELD

Prime Share Account

Minimum Initial Deposit $5
  $99.99 or less 0.00% 0.00%
  $100.00 to $5,000.00 0.05% 0.05%
  $5,000.01 to $10,000.00 0.05% 0.05%
  $10,000.01 or more 0.05% 0.05%

Target Share Account

Minimum Initial Deposit $0
  $99.99 or less 0.00% 0.00%
  $100.00 to $5,000.00 0.05% 0.05%
  $5,000.01 to $10,000.00 0.05% 0.05%
  $10,000.01 or more 0.05% 0.05%

Individual Retirement Account

Minimum Initial Deposit $200
  $200.00 0.05% 0.05%

Coverdell Educational Savings Account (CESA)

Minimum Initial Deposit $200
  $200.00 0.05% 0.05%

Ultimate Rewards Package

Minimum Initial Deposit $5
  $500.00 or less 3.93% 4.00%
  $500.01 to $5,000.00 0.05% 0.05%
  $5,000.01 to $10,000.00 0.05% 0.05%
  $10,000.01 or more 0.05% 0.05%

Checking & Health Savings Account Rates

ACCOUNT TYPE MINIMUM BALANCE TO OBTAIN APY DIVIDEND RATE ANNUAL PERCENTAGE YIELD

Free Checking

Minimum Initial Deposit $50
  N/A 0.00% 0.00%

Dividend Checking

Minimum Initial Deposit $50
  $0 TO $499.99 0.00% 0.00%
  $500 OR MORE 0.05% 0.05%

Silver Wings Checking

Minimum Initial Deposit $50
  $0 TO $499.99 0.00% 0.00%
  $500 OR MORE 0.05% 0.05%

Investor Checking

Minimum Initial Deposit $50
  $0 TO $999.99 0.00% 0.00%
  $1,000 OR 4,999.99 0.15% 0.15%
  $5,000 TO $9,999.99 0.20% 0.20%
  $10,000 TO $24,999.99 0.25% 0.25%
  $25,000 TO $49,999.99 0.25% 0.25%
  $50,000 OR MORE 0.30% 0.30%

Health Savings

Minimum Initial Deposit $50
  $0 TO $99.99 0.00% 0.00%
  $100 OR MORE 0.25% 0.25%

Access Checking

Minimum Initial Deposit $50
  N/A 0.00% 0.00%

Certificate and IRA Certificates

ACCOUNT TYPE TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD

Standard Certificate Accounts

Minimum Initial Deposit $500
  6 months (182 to 364 days) 0.25% 0.25%
  12 months (365 to 729 days) 0.45% 0.45%
  24 months (730 to 1094 days) 0.70% 0.70%
  36 months (1095 to 1459 days) 1.05% 1.05%
  48 months (1460 to 1824 days) 1.34% 1.35%
  60 months (1825 or more days) 1.59% 1.60%

Laddering Certificate Accounts (Including IRA & CESA)

Minimum Initial Deposit $50000
  12 months (365 to 729 days) 0.55% 0.55%
  24 months (730 to 1094 days) 0.80% 0.80%
  36 months (1095 to 1459 days) 1.14% 1.15%
  48 months (1460 to 1824 days) 1.44% 1.45%
  60 months (1825 or more days) 1.69% 1.70%

IRA & Coverdell Educational Savings Account (CESA) Certificates

Minimum Initial Deposit $500
  12 months (365 to 729 days) 0.45% 0.45%
  24 months (730 to 1094 days) 0.70% 0.70%
  36 months (1095 to 1459 days) 1.05% 1.05%
  48 months (1460 to 1824 days) 1.34% 1.35%
  60 months (1825 or more days) 1.59% 1.60%

Money Market Accounts

ACCOUNT TYPE MINIMUM BALANCE TO OBTAIN APY DIVIDEND RATE ANNUAL PERCENTAGE YIELD

Flexible Money Market

Minimum Initial Deposit $1000
  $0 - $7,499.99 0.05% 0.05%
  $7,500 - $24,999.99 0.15% 0.15%
  $25,000 - $49,999.99 0.15% 0.15%
  $50,000 - $74,999.99 0.20% 0.20%
  $75,000 OR MORE 0.25% 0.25%

Sterling Money Market

Minimum Initial Deposit $25000
  $0 TO $24,999.99 0.05% 0.05%
  $25,000 OR MORE 0.15% 0.15%

Premiere Money Market

Minimum Initial Deposit $50000
  $0 TO $49,999.99 0.05% 0.05%
  $50,000 OR MORE 0.25% 0.25%

Premiere Plus Money Market

Minimum Initial Deposit $75000
  $0 TO $74,999.99 0.05% 0.05%
  $75,000 OR MORE 0.30% 0.30%

Jumbo Money Market

Minimum Initial Deposit $100000
  $0 TO $99,999.99 0.05% 0.05%
  $100,000 OR MORE 0.35% 0.35%

Dividends compound monthly.

Effective Date 10/13/2014