Deposit RatesDeposit Rates as of: 01/31/2012

ACCOUNT	RATE	APY
HEALTH SAVINGS ACCOUNT	0.05%	0.05%
SAVINGS	0.10%	0.10%
IRA	1.00%	1.00%
MONEY MARKET ACCOUNT	0.10%	0.10%
NOW ACCOUNT	0.05%	0.05%
CERTIFICATES OF DEPOSIT < $100M
3-MONTHS	0.20%	0.20%
6-MONTHS	0.40%	0.40%
1-YEAR	0.50%	0 .50%
2-YEARS	0.80%	0 .80%
3-YEARS	1.00%	1.00%
CERTIFICATES OF DEPOSIT > $100M
1-MONTH	0.20%	0..20%
3-MONTHS	0.30%	0.30%
6-MONTHS	0.50%	0.50%
1-YEAR	0.70%	0.70%
2-YEARS	0.90%	0.90%
3-YEARS	1.10%	1.10%