IRA / HSA DEPOSIT PRODUCTS

                     Effective Date: January 19, 2010

INDIVIDUAL RETIREMENT ACOUNTS:

Products:

• Traditional IRA or Roth IRA Available
• One Year CD IRA: 2.00%                                  APY: 2.02%
• Two Year CD IRA: 2.25%                                  APY: 2.27%
• Three Year CD IRA: 2.75%                                APY: 2.78%

Features:

• Monthly compounded interest
• Monthly interest crediting
• $500.00 minimum deposit to open CD IRA
• $500.00 minimum balance for CD IRA to obtain APY
• $100.00 minimum deposit to open Savings IRA, $25.00 minimum contributions
• $100.00 minimum balance for Savings IRA to obtain APY
• $50.00 minimum withdrawal
• $25.00 annual custodial fee
• $25.00 closing fee
• No interest penalties on withdrawals for clients age 59.5 and older

HEALTH SAVINGS ACOUNTS:

Products:

• HSA Checking: 3.00% interest rate APY: 3.04%

Features:

• Check writing privileges
• Debit cards available
• Monthly compounded interest
• Monthly interest crediting
• $100.00 minimum deposit to open
• $100.00 minimum balance to obtain APY
• $25.00 minimum ongoing contributions
• $25.00 annual custodial fee
• $25.00 closing fee
• No fees for distributions