Rates

Savings

Account Type	Dividend Period	Declared Date	Dividend Rate (%) /APY (%)
Savings	Monthly	02/28/2013	0.698 / 0.70 1
IRA Traditional, Roth, SEP	Monthly	02/28/2013	0.698 / 0.70 1
Coverdell ESA	Monthly	02/28/2013	0.698 / 0.70 1
Basic Checking	Monthly	02/28/2013	0.00 / 0.00 2
High Rate Checking	Monthly	02/28/2013	0.648 / 0.65 2
Mortgage Share	Monthly	02/28/2013	.25 / .25 3

Health Savings (HSA)

Account Type	Dividend Period	Declared Date	Dividend Rate (%) /APY (%)
Health Savings	Monthly	02/28/2013	0.698 / 0.70 4

Certificates ⁵

As of

Certificate Type	Term	Balance	Dividend Rate (%) /APY (%)
Share (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	0.747 / 0.75 0.747 / 0.75
Share (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	0.896 / 0.90 0.896 / 0.90
Share (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.045 / 1.05 1.045 / 1.05
Share (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	1.243 / 1.25 1.243 / 1.25
Share (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	1.539 / 1.55 1.539 / 1.55
Traditional IRA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	0.747 / 0.75 0.747 / 0.75
Traditional IRA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	0.896 / 0.90 0.896 / 0.90
Traditional IRA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.045 / 1.05 1.045 / 1.05
Traditional IRA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	1.243 / 1.25 1.243 / 1.25
Traditional IRA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	1.539 / 1.55 1.539 / 1.55
Roth IRA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	0.747 / 0.75 0.747 / 0.75
Roth IRA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	0.896 / 0.90 0.896 / 0.90
Roth IRA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.045 / 1.05 1.045 / 1.05
Roth IRA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	1.243 / 1.25 1.243 / 1.25
Roth IRA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	1.539 / 1.55 1.539 / 1.55
SEP IRA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	0.747 / 0.75 0.747 / 0.75
SEP IRA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	0.896 / 0.90 0.896 / 0.90
SEP IRA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.045 / 1.05 1.045 / 1.05
SEP IRA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	1.243 / 1.25 1.243 / 1.25
SEP IRA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	1.539 / 1.55 1.539 / 1.55
Coverdell ESA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	0.747 / 0.75 0.747 / 0.75
Coverdell ESA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	0.896 / 0.90 0.896 / 0.90
Coverdell ESA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.045 / 1.05 1.045 / 1.05
Coverdell ESA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	1.243 / 1.25 1.243 / 1.25
Coverdell ESA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	1.539 / 1.55 1.539 / 1.55

APY = Annual Percentage Yield.
1 Savings, IRA, ESA & mortgage share disclosure
2 Checking disclosure
3 Mortgage Share disclosure
4 HSA disclosure
5 Certificate disclosure

Mortgages ¹

Mortgage Rates as of 06-18-2013

Product Type	Rate(%)	APR(%)	Points(%)
First Mortgages
1/1 ARM	2.250	3.131	0
3/1 ARM	2.250	3.007	0
5/1 ARM	2.250	2.898	0
5/1 ARM (Interest-only)	3.000	3.148	0
7/1 ARM	2.500	2.912	0
7/1 ARM (Interest-only)	3.250	3.239	0
10/1 ARM	3.000	3.122	0
15-Yr. Fixed	3.375	3.509	0
30-Yr. Fixed	4.250	4.328	0
Vacation homes
1/1 ARM	2.500	3.611	0
3/1 ARM	2.500	3.450	0
5/1 ARM	2.500	3.307	0
7/1 ARM	2.750	3.295	0
10/1 ARM	3.250	3.470	0
15-Yr. Fixed	3.375	3.509	0
30-Yr. Fixed	4.250	4.328	0

ARM = Adjustable Rate Mortgage (variable rate). This rate may change after account is open.
For more information, please call our Mortgage Hotline 800-365-7003. Loan approval based on creditworthiness and ability to repay.

First Mortgages available in all 50 states. The Annual Percentage Rate (APR) assumes a 20% downpayment on a loan amount of $250,000 with a 30-year term, an origination fee of $1,350, $180 in additional prepaid finance charges plus 15 days of prepaid interest.

1 Mortgage disclosure.

Home Equity

Product Type	Max Term (months)	APR(%) (as low as)
Home Equity Line of Credit 1	180	4.000
Home Equity Line of Credit (Interest-only) 1	84 (Balloon)	4.000
Home Equity Loans 1	60 to 180	5.500 to 6.500

Example Home Equity Loans Monthly Repayment Terms

Loan Type	APR(%)	Payment Per $1,000
5-Yr. Fixed (60 months)	5.500	19.11
10-Yr. Fixed (120 months)	6.000	11.11
15-Yr. Fixed (180 months)	6.500	8.72

1 Home Equity Disclosure
APR = Annual Percentage Rate.

Consumer Loans

Product Type	Max Term (months)	APR(%) (as low as)	Approximate Payment (Per $1,000)
New Vehicle 1	up to 72 *	1.49	$ 14.53
Used Vehicle 1	up to 72	1.74	$ 14.64
Recreational Vehicles 1	up to 240	3.99	$ 6.06
Motorcycle 1 (over 10K)	up to 60 **	7.25	$ 19.93
Boat 1 (over 50k)	up to 180	6.25	$ 8.58
Boat 1 (under 50K)	up to 120	6.50	$ 11.36
Aircraft 1	up to 180	6.75	$ 8.86
Unsecured 1	up to 48	11.90	$ 26.23
Savings Secured 1	1 to 48	2.70	$ 22.21
Savings Secured 1	49 to 60	3.70	$ 18.49
Savings Secured Term1	up to 12	2.70

Student Loans

Product Type	Max Term (months)	APR(%) (as low as)
Student Loan K-12/College 2	144	4.50
Student Loan Consolidation 2	300	6.00
Student Loan Traditional 2	144	4.25

* An 84-month term is also available, but only on new (never titled) vehicles for balances $25,000 and over. APR is 1% higher for loans with an 84 month term.
** A 72-month term is also available, but only on motorcycles for balances $20,000 and over. APR is 1% higher for loans with an 72 month term.
1 Consumer loan disclosure
2 Student loan disclosure.

VISA Credit Card

Product Type	Max Term (months)	APR(%)
Platinum 1	revolving	Variable - 9.24 to 21.24
Platinum Rewards 1	revolving	Variable - 11.24 to 23.24

1 VISA^® disclosure. APR = Annual Percentage Rate.