Rate Sheet

Rates effective as of January 23, 2012.

Account Product Name	Minimum Opening Deposit	Minimum to Earn Stated APY	Interest Rate	Annual Percentage Yield
Foundations Plus Checking	$500.00	$1,500.00	.45%	.45%
Foundations Club Checking	$1,000.00	$2,500.00	.55%	.55%
Foundations HSA Checking	$100.00
		$0.00	.05%	.05%
		$400.00	.15%	.15%
		$1,000.00	.20%	.20%
		$2,000.00	.35%	.35%
		$7,500.00	.40%	.40%
		$10,000.00	.50%	.50%
Foundations Business NOW Account	$1,000.00		.45%	.45%
Sole proprietors, non-profit organizations and government agencies
Foundations Pennywise Passbook	$10.00		.60%	.60%
Foundations Statement Savings	$100.00		.60%	.60%
Foundations Rainy Day Passbook	$250.00		.60%	.60%
Foundations Money Market	$1,000.00
Foundations Money Market IRA	$1,000.00
		$750.00	.10%	.10%
		$2,500.00	.15%	.15%
		$10,000.00	.20%	.20%
		$25,000.00	.35%	.35%
		$50,000.00	.45%	.45%
		$100,000.00	.55%	.55%
		$250,000.00	.65%	.65%
		$500,000.00	.70%	.70%
Foundations Business Money Market	$1,000.00	$2,500.00	.15%	.15%
		$10,000.00	.20%	.20%
		$25,000.00	.35%	.35%
		$50,000.00	.45%	.45%
		$100,000.00	.55%	.55%
		$250,000.00	.65%	.65%
		$500,000.00	.70%	.70%
		$2,000,000.00	.70%	.70%
Personal Certificate Of Deposit/ IRA CD
3 Month CD / IRA CD	$1,000.00		0.25%	0.25%
6 Month CD / IRA CD			0.40%	0.40%
9 Month CD / IRA CD			0.55%	0.55%
12 Month CD / IRA CD	$1,500.00		0.60%	0.60%
18 Month CD / IRA CD			0.75%	0.75%
24 Month CD / IRA CD			0.90%	0.90%
36 Month CD / IRA CD			1.24%	1.25%
48 Month CD / IRA CD			1.34%	1.35%
60 Month CD / IRA CD			1.49%	1.50%

Fees could reduce earnings on the account
All interest rates and APY's are subject to change at any time except for certificates
A penalty will be imposed for early withdrawal on certificates