SAVINGS ACCOUNTS   APY* Interest Rate Statement Savings 0.05% 0.05% IRA Statement Savings 0.50% 0.50% ATM Statement Savings 0.05% 0.05%       Rates effective February 2, 2012 and subject to change without notice.   Minimum balance in the account each day to obtain the disclosed annual percentage rate is $100.00                                  * Annual Percentage Yield

Your interest rate and annual percentage yield may change. At our discretion we may change the interest rate at any time. A minimum balance must be maintained to avoid maintenance fees which could reduce earnings. Springfield, Ohio (937) 390-0470