Rates
Dividends Paid 3rd Quarter 2014
Average Balance Rate APY*
Share Draft Account $0 and above 0.05% 0.05%
Share Account $0 and above 0.15% 0.15%
Holiday Club Account $0 and above 0.25% 0.25%
Special Savings Account $0 and above 0.15% 0.15%
*APY = annual percentage yield
RATE SCHEDULE
Share Account Christmas Club Account Share Draft Account Special Savings Account
DIVIDENDS
Dividend Rate / Annual Percentage Yield
Dividends Compounded Quarterly Quarterly Quarterly Quarterly
Dividends Credited Quarterly Quarterly Quarterly Quarterly
Dividend Period Calendar Quarter Calendar Quarter Calendar Quarter Calendar Quarter
BALANCE REQUIREMENTS
Minimum Opening Deposit $25.00
Minimum Balance to Avoid a Service Fee
Minimum Balance to Earn the Stated APY
Balance Method Average Daily Balance Average Daily Balance Average Daily Balance Average Daily Balance
ACCOUNT LIMITATIONS
Account transfer limitations apply.Account withdrawal limitations apply. Account transfer limitations apply.Account withdrawal limitations apply. Account transfer limitations apply.Account withdrawal limitations apply. Account transfer limitations apply.Account withdrawal limitations apply.
See Section 6 below.

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate & Fee Schedule are share accounts.