SAVINGS RATES

SAVINGS RATES Effective 5-1-2012 to 5-31-2012
Account Description	Dividend Balance Range	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)
Primary Saving Account	100.01 - 5,000.00 5,000.01 - 10,000.00 10,000.01 - and over	0.02% 0.04% 0.06%	0.02% 0.04% 0.06%
VIP Money Market Account	100.00 - 5,000.00 5,000.01 - 10,000.00 10,000.01 and over	0.02% 0.04% 0.06%	0.02% 0.04% 0.06%
Regular Checking	100.01 - 2,500.00 2,500.01 - and over	0.01% 0.02%	0.01% 0.02%
Premier Checking	100.01 - 2,500.00 2,500.01 - 5,000.00 5,000.01 - and over	0.01% 0.02% 0.03%	.01% .02% .03%
Traditional / Roth IRA Savings	.01 and Over	0.10%	0.10%
Vacation Club	.01 and Over	0.10%	0.10%
Christmas Club	.01 and Over	0.10%	0.10%

CERTIFICATE RATES Effective 5-1-2012 Certificate Application

Balance Range	6 Months		12 Months		18 Months		24 Months
	APR	APY	APR	APY	APR	APY	APR	APY
$2,500 to $4,999	0.05%	0.05%	0.05%	0.05%	0.075%	0.075%	0.10%	0.10%
$5,000 to $9,999	0.075%	0.075%	0.10%	0.10%	0.10%	0.10%	0.15%	0.15%
$10,000 and Over	0.10%	0.10%	0.15%	0.15%	0.15%	0.15%	0.20%	0.20%

IRA CERTIFICATE RATES Effective 5-1-2012 IRA Certificate Application

Balance Range	6 Months	12 Months		18 Months		24 Months
		APR	APY	APR	APY	APR	APY
$1,000 to $4,999	n/a	0.05%	0.05%	0.075%	0.075%	0.10%	0.10%
$5,000 to $9,999	n/a	0.10%	0.10%	0.10%	0.10%	0.15%	0.15%
$10,000 and Over	n/a	0.15%	0.15%	0.15%	0.15%	0.20%	0.20%

PAYROLL DEDUCTION CERTIFICATE RATES Effective 5-1-2012 Certificate Application
Balance Range	6 Months	12 Months		18 Months		24 Months
.		APR	APY	APR	APY	APR	APY
$ .00 to $250,000	n/a	0.10%	0.10%	0.125%	0.125%	0.15%	0.15%

IRA PAYROLL DEDUCTION CERTIFICATE RATES Effective 5-1-2012 Certificate Application
Balance Range	6 Months	12 Months		24 Months		36 Months
		APR	APY	APR	APY	APR	APY
$ .00 to $250,000	n/a	0.15%	0.15%	0.175%	0.175%	0.20%	0.20%

Call 847.670.0456 for full details

Dividends: The Annual Percentage Rate (APR) and the Annual Percentage Yield (APY) is subject to change. You must maintain the stated minimum balance to obtain the APY. Interest begins to accrue on the day of deposit for both cash and non-cash (checks) deposits. Dividends are paid monthly, on the last day of the month. Account withdrawals, penalties, or fees may reduce earnings and the stated APY.

Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded and posted monthly. Dividend penalties may apply for early withdrawals.