Projected Dividend Rates 2nd Quarter 2013

Share Account Type Minimum Opening Balance Minimum Earning Balance  Dividend Rate Annual Percentage Yield Tools Savings Accounts Regular Share Savings & Sub Savings ($500.00 and above) $25 $500 0.10% 0.10% Holiday Club (up to $2500.00 Maximum Deposit- Pays out Oct. 15th) $1 $1 0.30% 0.30%   Church Shares $100 $500 0.25% 0.25%   Emergency Fund Account $5 $200 0.25% 0.25%   Just for Kids- Ages 0-12  $5 $100 0.25% 0.25% Youth Plus - Ages 13-17 $5 $100 0.25% 0.25% Vantage Club - Ages 18-28 $5 $100 0.25% 0.25% Health Savings Accounts  (Minimum balance of $100.00) $100 $500 0.40% 0.40% Cumulative IRA Account (Traditional, Roth, Coverdell ESA) $25 $500 0.30% 0.30% Share Draft Accounts-Paid Monthly Classic Club Plus Share Draft (Balances $500.00 - greater)  $50 $500 0.07% 0.07% EZ Green Share Draft (requires Direct Deposit, Estatements, Visa Debit) $50 $500 0.40% 0.40%   Small Business Account $1000 $1000 0.10% 0.10% Classic Business Account $5000 $5000 0.10% 0.10%

*APY= Annual Percentage Yield. Annual Percentage Yield applies when dividend is reinvested in the account. Minimum balance requirements to earn dividends may apply. Dormant account or maintenance fees could reduce earnings on the above accounts. Rates are subject to change. NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCECOVERAGE FOR TRANSACTION ACCOUNTS...All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules. The term ‘‘noninterest-bearing transaction account’’ includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (‘‘NOW’’) account, moneymarket deposit account, and Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account. PLEASE CALL (865) 558-3117 TO OBTAIN THE MOST CURRENT RATE INFORMATION.

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