Rates

Savings

Account Type	Dividend Period	Declared Date	Rate(%)/APY(%)
Savings	Monthly	02/18/2010	1.982 / 2.00 1
IRA Traditional, Roth, SEP	Monthly	02/18/2010	1.982 / 2.00 1
Coverdell ESA	Monthly	02/18/2010	1.982 / 2.00 1
Basic Checking	Monthly	02/18/2010	0.00 / 0.00 2
High Rate Checking	Monthly	02/18/2010	1.736 / 1.75 2
Mortgage Share	Monthly	02/18/2010	.25 / .25 3

Health Savings (HSA)

Account Type	Dividend Period	Declared Date	Rate(%)/APY(%)
Health Savings	Monthly	02/18/2010	2.472 / 2.500 4

Regular & Jumbo Certificates ⁵

As of 12/04/09

Certificate Type	Term	Balance	Rate(%)/APY(%)
Share (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Share (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Share (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Share (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	2.472 / 2.50 2.570 / 2.60
Share (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	2.960 / 3.00 3.057 / 3.10
Traditional IRA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Traditional IRA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Traditional IRA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Traditional IRA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	2.472 / 2.50 2.570 / 2.60
Traditional IRA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	2.960 / 3.00 3.057 / 3.10
Roth IRA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Roth IRA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Roth IRA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Roth IRA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	2.472 / 2.50 2.570 / 2.60
Roth IRA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	2.960 / 3.00 3.057 / 3.10
SEP IRA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
SEP IRA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
SEP IRA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
SEP IRA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	2.472 / 2.50 2.570 / 2.60
SEP IRA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	2.960 / 3.00 3.057 / 3.10
Coverdell ESA (min balance $1000.00)	12-17m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Coverdell ESA (min balance $1000.00)	18-23m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Coverdell ESA (min balance $1000.00)	24-35m	up to 24,999.99 25,000 and up	1.982 / 2.00 2.080 / 2.10
Coverdell ESA (min balance $1000.00)	36-47m	up to 24,999.99 25,000 and up	2.472 / 2.50 2.570 / 2.60
Coverdell ESA (min balance $1000.00)	48-60m	up to 24,999.99 25,000 and up	2.960 / 3.00 3.057 / 3.10

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

Product Type	Rate(%)	APR(%)	Points(%)
First Mortgages
1/1 ARM	3.750	3.452	0
3/1 ARM	3.750	3.506	0
5/1 ARM	3.750	3.555	0
5/1 ARM (Interest-only)	4.250	3.693	0
7/1 ARM	4.250	3.837	0
7/1 ARM (Interest-only)	4.750	4.018	0
10/1 ARM	4.750	4.288	0
15-Yr. Fixed	Check Rates	-	0
30-Yr. Fixed	Check Rates	-	0
30-Yr. Fixed (Interest-only)	Check Rates	-	0
Vacation homes
1/1 ARM	4.000	3.703	0
3/1 ARM	4.000	3.758	0
5/1 ARM	4.000	3.807	0
7/1 ARM	4.500	4.091	0
10/1 ARM	5.000	4.545	0
15-Yr. Fixed	Check Rates	-	0
30-Yr. Fixed	Check Rates	-	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 $950, $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 *	3.85	$ 15.54
Used Vehicle 1	up to 72	4.10	$ 15.65
Recreational Vehicles 1 (over 50K)	up to 240	6.99	$ 7.76
Recreational Vehicles 1 (under 50K)	up to 120	7.25	$ 11.75
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
Line of Credit 1	Revolving	11.90	$ 26.23
Savings Secured 1	up to 60	as low as 2% above current dividend rate
Savings Secured Term1	up to 12	as low as 2% above current dividend rate

Student Loans

Product Type	Max Term (months)	APR(%) (as low as)
Student Loans 2	144	3.75

* 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.