CERTIFICATE OF DEPOSIT RATES (CD RATES ARE COMPOUNDED DAILY) Rates effective as of June 7, 2012 and subject to change without notice. TERMS MINIMUM BALANCE INTEREST RATE   ANNUAL   PERCENTAGE YIELD (APY) 91 Days $1,000.00 0.100% 0.100% 182 Days $1,000.00 0.150% 0.150% 12 Months $500.00 0.250% 0.250% 18 Months $500.00 0.300% 0.300% 24 Months $500.00 0.400% 0.400% 30 Months $500.00 0.400% 0.400% 36 Months $500.00 0.500% 0.500% 48 Months $500.00 0.750% 0.750% 60 Months $500.00 .995% 1.000%   IRA Current Rates  ($500.00 MINIMUM BALANCE REQUIRED)   Rates effective as of June 7, 2012 and subject to change without notice. TERMS INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) 18 Months 0.300% 0.300% 30 Months 0.400% 0.400% 60 Months .995% 1.000% 84 Months .995% 1.000% 120 Months .995% 1.000%    PRESTIGE MONEY MARKET CHECKING ACCOUNT & PRESTIGE SAVINGS ACCOUNT   Rates effective as of June 7, 2012 and subject to change without notice. BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)           Under $10,000.00 0.050% 0.050%          $10,000.01 - $25,000.00 0.100% 0.100%          $25,000.01 and over 0.150% 0.150% Prestige Savings:                         $3.00 Per Month Service Charge if Balance is Below $300.00. Prestige Money Market Checking: $10.00 Per Month Service Charge if Balance is Below $1,000.00.   PEOPLES PRESTIGE CHECKING ACCOUNT   Rates effective as of June 7, 2012 and subject to change without notice. BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)        $1,000.00 -  $7,500.00 0.010% 0.010%        $7,500.01 - $15,000.00 0.050% 0.050%       $15,000.01 - $25,000.00 0.080% 0.080%       $25,000.01 and Up 0.100% 0.100% $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle      INDEX MONEY MARKET SAVINGS ACCOUNT  (Savings rates are compounded daily)  Rates effective as of June 7, 2012 and subject to change without notice. BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) $0 - $14,999.99 0.050% 0.050% $15,000.00 and Over 0.200% 0.200%   BUSINESS SAVINGS ($5,000.00)   Rates effective as of October 17, 2011 and subject to change without notice. BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) )                Under $5,000.00 0.010% 0.010%             $5,000.01 - $15,000.00 0.050% 0.050%            $15.000.01 - $30,000.00 0.100% 0.100%            $30,000.01 - $100,000.00 0.150% 0.150% $100,000.01 - $250,000.00 0.200% 0.200%                Over $250,000.00 0.250% 0.250% $5.00 per Month Fee; $10.00 Per Month Fee if Notices are Requested       REGULAR SAVINGS ACCOUNT   Rates effective as of June 7, 2012 and subject to change without notice. BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) Over $.00 0.050% 0.050% Savings rates are compounded daily