Checking Account Rates

Checking Products	Description	Rate	APY	Effective Date
Greater Gold Interest Checking **	Minimum of 1,000 to earn interest**	0.05%	0.05%	09/14/10
Superior Checking*	$2500 Minimum daily balance required	0.05%	0.05%	04/01/11
Interest Checking*	Minimum Balance $500	0.05%	0.05%	09/17/10
Senior Checking	Eligible at age 55	0.05%	0.05%	09/17/10
	Minimum of $500.00 to earn interest

Notations:
1 All rates are subject to change without notice.
2 $25.00 minimum to open.
APY Annual Percentage Yield.
* Fees may reduce the earnings on the account.
** Greater Gold Checking powered by GenGold.  See www.gengold.com for complete program details. After 90 days, there is a $5/month fee. Fee is waived with a $250.00 average available monthly balance.