Savings Rates

Savings
Effective Date: 05/01/2011
Name	Rate	APY*	Amount
Regular Savings	0.10%	0.10%	$7 Minimum Balance
Secondary Savings	0.10%	0.10%	N/A
Holiday Club	0.10%	0.10%	N/A
Money Market Tier 1	0.15%	0.15%	Minimum $2500
Money Market Tier 2	0.25%	0.25%	$20,000-$74,999
Money Market Tier 3	0.25%	0.25%	$75,000+
IRA*	0.75%	0.75%	N/A
Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates.
APY* = Annual Percentage Yield
IRA* = Individual Retirement Account

Certificates
Effective Date: 09/14/2011
Name	Rate	APY*	Term	Amount
3 Month Tier 1	0.15%	0.15%	3 Months	$1,000-$24,999
3 Month Tier 2	0.20%	0.20%	3 Months	$25,000-$99,999
3 Month Tier 3	0.25%	0.25%	3 Months	$100,000+
6 Month Tier 1	0.20%	0.20%	6 Months	$1,000-$24,999
6 Month Tier 2	0.25%	0.25%	6 Months	$25,000-$99,999
6 Month Tier 3	0.30%	0.30%	6 Months	$100,000+
1 Year Tier 1	0.40%	0.40%	12 Months	$1,000-$24,999
1 Year Tier 2	0.45%	0.45%	12 Months	$25,000-$99,999
1 Year Tier 3	0.50%	0.50%	12 Months	$100,000+
2 Year Tier 1	0.60%	0.60%	24 Months	$1,000-$24,999
2 Year Tier 2	0.65%	0.65%	24 Months	$25,000-$99,999
2 Year Tier 3	0.70%	0.70%	24 Months	$100,000+
3 Year Tier 1	0.90%	0.90%	36 Months	$1,000-$24,999
3 Year Tier 2	0.95%	0.95%	36 Months	$25,000-$99,999
3 Year Tier 3	1.00%	1.00%	36 Months	$100,000+
4 Year Tier 1	1.25%	1.25%	48 Months	$1,000-$24,999
4 Year Tier 2	1.30%	1.30%	48 Months	$25,000-$99,999
4 Year Tier 3	1.35%	1.35%	48 Months	$100,000+
5 Year Tier 1	1.40%	1.40%	60 Months	$1,000-$24,999
5 Year Tier 2	1.45%	1.45%	60 Months	$25,000-$99,999
5 Year Tier 3	1.50%	1.50%	60 Months	$100,000+
APY * = Annual Percentage Yield
Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates.
Share Certificates receive dividends at maturity. Early Withdrawl Penalty for Certificates will result in the forfeiture of all dividends earned since last maturity date.