Rates as of October 1, 2012

Savings
Type Rate APY*
Savings 0.12% 0.12%
Young Explorers 0.12% 0.12%
SOCAL 0.12% 0.12%
Holiday Club 0.12% 0.12%
Money Market
Balance Rate APY*
$2,500 - $4,999 0.12% 0.12%
$5,000 - $14,999 0.12% 0.12%
$15,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.20% 0.20%
$50,000 + 0.25% 0.25%
Checking
Type Rate APY*
Advantage Checking* 0.05% 0.05%
Big Easy Checking 0.05% 0.05%
SOCAL Checking2 0.05% 0.05%
* Daily Balance over $10,000.
Share and IRA Certificates
  $2,000 - $9,999 $10,000 - $49,999 $50,000 +
Term Rate APY* Rate APY* Rate APY*
3-5 months 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
6-11 months 0.15% 0.15% 0.25% 0.25% 0.25% 0.25%
12-17 months 0.20% 0.20% 0.35% 0.35% 0.35% 0.35%
18-23 months 0.20% 0.20% 0.40% 0.40% 0.40% 0.40%
24-35 months 0.30% 0.30% 0.50% 0.50% 0.50% 0.50%
36-47 months 0.30% 0.30% 1.00% 1.00% 1.00% 1.00%
48-59 months 0.30% 0.30% 1.30% 1.31% 1.30% 1.31%
60 months 0.30% 0.30% 1.40% 1.41% 1.40% 1.41%
Expedition Certificate**
  $1,000 +
Term Rate APY*
Minimum 6 months 0.15% 0.15%
** Minimum additional $100 deposits may be made to Expedition Certificate.
Not available for IRAs
Bump Rate Certificate***
  $10,000 +
Term Rate APY*
Minimum 18 months 0.35% 0.35%
*** Rate may be increased once during term if 12 month $10,000 rate increases.
Not available for IRAs
SOCAL Certificate****
  $500 +
Term Rate APY*
Minimum 12 months 0.15% 0.15%
**** SOCAL account holders only. Minimum $25 additional deposits may be made.
Not available for IRAs

* APY is an abbreviation for Annual Percentage Yield.

Share Certificates Dividends are Paid Monthly and at Maturity.

Penalties for early Withdrawal are as stated in the Account and Disclosure Agreement. The APY disclosed assumes dividends will remain on deposit until maturity. Withdrawals will reduce earnings. Rates subject to change daily.

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