PERSONAL CHECKING   APY* Interest Rate $100 - $2,499 0.01% 0.01% $2,500 - $4,999 0.05% 0.05% $5,000 - $24,999 0.05% 0.05% $25,000 - $49,999 0.10% 0.10% $50,000 + 0.10% 0.10% EASY ACCESS FREE CHECKING        APY* Interest Rate $.01 + 0.50% 0.50% Rates effective February 2, 2012 and subject to change without notice.                                       * 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 on Personal Checking Accounts.   Springfield, Ohio (937) 390-0470