Effective  as of December 6,2011,  9:00 am

Fixed rate Programs

Variable Rate

Term

Interest rate %

Interest rate %

1 year

2.89

2 year

2.49

3 year

3.19

4 year

3.29

5 year

3.39

Prime – 0.2 %

5year (Quick Close -45 day hold)

3.29