Deposit Interest Rates

Time Deposit Interest Rate Schedule

Regular CDs
Savings Term	Interest Rate	Annual Percentage Yield	Minimum Deposit
6 Month^ab	3.27%	3.30%	$1,000
1 Year^ab	2.97%	3.00%	$1,000
15 Month^ab	2.72%	2.75%	$1,000
18 Month_ab	2.57%	2.60%	$1,000
2 Year^ab	2.53%	2.55%	$1,000
3 Year^ab	2.23%	2.25%	$1,000
5 Year^ab	2.13%	2.15%	$1,000

Jumbo CDs
Savings Term	Interest Rate	Annual Percentage Yield	Minimum Deposit
6 Month^ab	3.37%	3.45%	$100,000
1 Year^ab	3.17%	3.25%	$100,000
2 Year^ab	2.73%	2.80%	$100,000
3 Year^ab	2.49%	2.55%	$100,000
5 Year^ab	2.35%	2.40%	$100,000

Special CDs
Savings Term	Interest Rate	Annual Percentage Yield	Minimum Deposit
12 Month No Penalty	2.48%	2.50%	$5,000
18 Month Club Certificate^ab	2.67%	2.70%	$10,000

IRAs
Regular or Roth IRAs	Interest Rate	Annual Percentage Yield	Minimum Deposit
5 Year Fixed Rate CD^ab	2.13%	2.15%	$1,000
5 Year Jumbo IRA^ab	2.35%	2.40%	$100,000
Savings Variable Rate^abc	0.70%	0.70%	$100

_{(a) A penalty will be imposed for early withdrawal.}
_{(b) Annual Percentage Yield is accurate as of the date of this interest rate schedule}
_{(c) The interest rate and annual percentage yield may change after account opening.}
_{Note: Fees & services charges could reduce the earnings on the account}

DEPOSIT INTEREST RATE SCHEDULE

Personal Checking Accounts
Farmers Club Checking Accounts^bc - $100 Minimum Opening Deposit, minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield. Interest paid on three-tiered levels	Interest Rate	Annual Percentage Yield	Minimum Deposit
$500.00 - $9,999.99	0.05%	0.05%	$100
$10,000.00 - $49,999.99	0.10%	0.10%	$100
$50,000.00 & Up	0.15%	0.15%	$100

Century Checking^bc - $100 Minimum Opening Deposit, minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield. Interest paid on four-tiered levels	Interest Rate	Annual Percentage Yield	Minimum Deposit
$500.00 - $9,999.99	0.05%	0.05%	$100
$10,000.00 - $49,999.99	0.10%	0.10%	$100
$50,000.00 - $249,999.99	0.15%	0.15%	$100
$250,000 & Up	0.20%	0.20%	$100

NOW Sterling Checking^bc- $100 Minimum Opening Deposit, minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield.	Interest Rate	Annual Percentage Yield	Minimum Deposit
N/A	0.05%	0.05%	$100

Business Checking Accounts
Century Business Checking^bc - $100 Minimum Opening Deposit, minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. Interest paid on four tier levels	Interest Rate	Annual Percentage Yield	Minimum Deposit
$1,000.00 - $9,999.99	0.05%	0.05%	$100
$10,000.00 - $49,999.99	0.10%	0.10%	$100
$50,000.00 - $249,999.99	0.15%	0.15%	$100
$250,000.00 and UP	0.20%	0.20%	$100

NOW Sterling Business Checking^bc $100 Minimum Opening Deposit, minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield.	Interest Rate	Annual Percentage Yield	Minimum Deposit
N/A	0.05%	0.05%	$100

Personal/Business Savings Accounts
Statement Savings^bc	Interest Rate	Annual Percentage Yield	Minimum Deposit
A minimum average daily balance of $10.00 to obtain the disclosed annual percentage yield	0.10%	0.10%	$100

Money Market Account^bc - $100 Minimum Opening Deposit, minimum average daily balance of $1,00.00 to obtain the disclosed annual percentage yield. Interest paid on four tier levels	Interest Rate	Annual Percentage Yield	Minimum Deposit
$5,000.00 - $49,999.99	0.10%	0.10%	$100
$50,000.00 - $99,999.99	0.15%	0.15%	$100
$100,000.00 - $249,999.99	0.50%	0.50%	$100
250,000.00 & Up	1.25%	1.25%	$100

(a) A penalty will be imposed for early withdrawal.
(b) Annual Percentage Yield is accurate as of the date of this interest rate schedule
(c) The interest rate and annual percentage yield may change after account opening.
Note: Fees & services charges could reduce the earnings on the account

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Time Deposit Interest Rate Schedule

DEPOSIT INTEREST RATE SCHEDULE