Description	APY
Savings: Dividends paid quarterly
$5.00 - $4,999	0.10% APY 0.10%
$5,000 - $9,999	0.10% APY 0.10%
$10,000 - $24,999	0.10% APY 0.10%
$25,000 - $49,999	0.10% APY 0.10%
$50,000 & Over	0.10% APY 0.10%
Youth Savings	0.15% APY 0.15%
Holiday Club	0.10% APY 0.10%
Vacation Club	0.10% APY 0.10%
My Club	0.10% APY 0.10%
Checking: Dividends paid quarterly
$500 minimum	.0% APY .0%

Description	APY
Certificates
6-Month: Dividends paid at maturity
$500 Minimum	0.25% APY 0.25%
1-Year: Compounded monthly
$1000-$4,999	0.40% APY 0.40%
$5,000-$9,999	0.50% APY 0.50%
$10,000-$24,999	0.50% APY 0.50%
$25,000-$49,999	0.50% APY 0.50%
$50,000-$100,000+	0.50% APY 0.50%
2-Year: Compounded monthly
$1000-$4,999	0.70% APY 0.70%
$5,000-$9,999	0.80% APY 0.80%
$10,000-$24,999	0.80% APY 0.80%
$25,000-$49,999	0.80% APY 0.80%
$50,000-$100,000+	0.80% APY 0.80%
3-Year: Compounded monthly
$1000-$4,999	0.90% APY 0.90%
$5,000-$9,999	1.00% APY 1.01%
$10,000-$24,999	1.00% APY 1.01%
$25,000-$49,999	1.00% APY 1.01%
$50,000-$100,000+	1.00% APY 1.01%
4-Year: Compounded monthly
$1000-$4,999	1.40% APY 1.41%
$5,000-$9,999	1.50% APY 1.51%
$10,000-$24,999	1.50% APY 1.51%
$25,000-$49,999	1.50% APY 1.51%
$50,000-$100,000+	1.50% APY 1.51%
5-Year: Compounded monthly
$1000-$4,999	1.65% APY 1.66%
$5,000-$9,999	1.75% APY 1.76%
$10,000-$24,999	1.75% APY 1.76%
$25,000-$49,999	1.75% APY 1.76%
$50,000-$100,000+	1.75% APY 1.76%
Money Markets: Dividends paid monthly
$2,500 - $24,999	0.15% APY 0.15%
$25,000 - $49,999	0.15% APY 0.15%
$50,000 - $74,999	0.20% APY 0.20%
$75,000 - $99,999	0.20% APY 0.20%
$100,000 & Over	0.20% APY 0.20%
IRA's: Dividends paid quarterly
$5.00 - $4,999	0.20% APY 0.20%
$5,000 - $9,999	0.25% APY 0.25%
$10,000 - $24,999	0.50% APY 0.50%
$25,000 - $49,999	0.60% APY 0.60%
$50,000 - $100,000+	0.75% APY 0.75%

Description

APR

Effective 12/1/2011

Home Equity LOC	Based on Prime Rate
New Auto	3.74% - 9.00% APR
Used Auto	4.24% - 10.00% APR
Signature	8.99% - 18% APR
Line of Credit	14.5% APR
New Recreation Vehicles (RV,Boat ATV,Motorcycle)	7.0% - 10.5% APR
Used Recreation Vehicles (RV,Boat ATV,Motorcycle)	8.0% - 12.5% APR

Business Lending

Quick Credit $5,000-$50,000	LOC based on WSJ Prime as low as 5.25% APR
Quick Credit $5,000-$50,000	Term based on WSJ Prime as low as 5.25% APR
Business Revolving	LOC based on WSJ Prime as low as 5.25% APR
Business Non-Revolving	LOC based on WSJ Prime as low as 5.25% APR
Business Vehicle Loan - New	4.25% - 13.50% APR
Business Vehicle Loan - Used	5.00% - 14.25% APR
Business Term Loan	Non-Real Estate based on WSJ Prime as low as 5.25% APR

VISA

Visa Credit Card Tabular Disclosure
Annual Percentage Rate (APR) for Purchases	VISA Classic 12.9% VISA Platinum 9.9% VISA Business 9.9%
Other APRs	Cash Advance VISA Classic....12.9% VISA Platinum....9.9% VISA Business....9.9% Balance Transfer VISA Classic....12.9% VISA Platinum....9.9% VISA Business....9.9%
Grace Period for Purchases	25 Days
Method of Computing the Balances for Purchases	Average Daily Balance (Including New Purchases)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee...........................1% * Late Payment Fee..............................$25.00 ** Over-the-Credit-Limit Fee....................$25.00 Cash Advance Fee...............................None Return Check Fee..............................$30.00 * of transaction amount. ** if ten (10) or more days late.

Description	APY
Business Savings: Dividends paid quarterly
Business Savings	0.10% APY 0.10%
Business Checking: Dividends paid monthly
$2,500 - $24,999	0.25% APY 0.25%
$25,000 - $49,999	0.25% APY 0.25%
$50,000 - $74,999	0.25% APY 0.25%
$75,000 - $99,999	0.25% APY 0.25%
$100,000 & Over	0.25% APY 0.25%

APY = Annual Percentage Yield
APR = Annual Percentage Rate
DECLARATION OF DIVIDENDS AS OF 11/30/11
EFFECTIVE 12/1/11
Early withdrawal penalties will or may be imposed for early withdrawal
Fees could reduce earnings
Dividend rates, terms & conditions are subject to change without notice.
Contact a representative for additional information and disclosures

*APR = Annual percentage rate. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender.

**Ceiling 18% Equal Opportunity Lender.

Please contact a loan officer at (520)381-3100 or 1-800-221-4179 for additional information.