Deposit Accounts Rates effective as of:  January 19, 2012
Account	Min. Opening Deposit	Interest Rate	APY *	Minimum to Obtain APY
Christmas Club	$10.00	0.10%	0.10%	$10.00
Passbook Savings	$100.00	0.10%	0.10%	$100.00
Passbook Savings	$100.00	0.15%	0.15%	$5,000.00
Passbook Savings	$100.00	0.40%	0.40%	$25,000.00
Summit/NOW Account	$500.00	0.10%	0.10%	$500.00
Summit/NOW Account	$500.00	0.25%	0.25%	$2,500.00
Gilbert Gold Plus Account	$500.00	0.10%	0.10%	$500.00
Gilbert Gold Plus Account	$500.00	0.25%	0.25%	$2,500.00
Passbook IRA Account	$50.00	1.00%	1.01%	$50.00
Buccaneer Savings	$10.00	0.10%	0.10%	$10.00
Buccaneer Savings	$10.00	0.15%	0.15%	$5,000.00
Buccaneer Savings	$10.00	0.40%	0.40%	$10,000.00
* APY = Annual Percentage Yield Fees may reduce earnings on accounts. Rates are subject to change after account is opened.

Certificates of Deposit Rates effective as of: January 19, 2012
Term	Min. Opening Deposit	Interest Rate	APY *	Minimum to Obtain APY
6 month	$2,500.00	0.55%	0.55%	$2,500.00
6 month	$10,000.00	0.60%	0.60%	$10,000.00
Jumbo 6 month	$100,000.00	0.65%	0.65%	$100,000.00
12 month	$500.00	0.45%	0.45%	$500.00
12 month	$2,500.00	0.80%	0.80%	$2,500.00
12 month	$10,000.00	0.85%	0.85%	$10,000.00
Jumbo 12 month	$100,000.00	1.00%	1.00%	$100,000.00
15 month	$1,000.00	0.65%	0.65%	$1,000.00
24 month	$10,000.00	1.05%	1.05%	$10,000.00
30 month	$1,000.00	1.15%	1.15%	$1,000.00
Special 7 month	$2,500.00	0.65%	0.65%	$2,500.00
* APY = Annual Percentage Yield Fees may reduce earnings on accounts. Penalty may be imposed for early withdrawal. CDs are auto-renewing at maturity.