Share Savings

effective 4/21/2014 - RATES SUBJECT TO CHANGE

Your dividend rate and annual percentage yield may change. Applicable dividend rates will be applied to share accounts on the first day of each month. The Average Daily Balance Method is used to calculate dividends for the following accounts:

Share Savings Accounts S1 and S9

A dividend rate of:

will be paid for that portion of your Average Daily Balance between:

and the APY will range from:

.05%

$0.00 - $5,000.00

.05%

.10%

$5,000.01 - $10,000.00

.05% - .08%

.15%

$10,000.01 - over

.08% - .15%

An average daily balance of $200.00 must be maintained to earn a dividend. Your dividend rate and annual percentage yield may change. Applicable dividend rates will be applied to share accounts on the first day of each month.

Vacation Account S5 and Christmas Club S25

Dividend rate

And the APY

.05%

.05%

An average daily balance is not required to earn a dividend for this account.

Kirby Kangaroo Club Account S6

A dividend rate of:

will be paid for that portion of your Average Daily Balance between:

and the APY will range from:

.05%

$0.00 - $5,000.00

.05%

.10%

$5,000.01 - $10,000.00

.05% - .08%

.15%

$10,000.01 - over

.08% - .15%

An average daily balance is not required to earn a dividend for this account.

Money Market Account S2 (rate as of 4/21/14)

A dividend rate of:

Average Daily Balance between:

And the APY

.10%

$10,000.00 - $25,000.00

.10%

.15%

$25,000.01 - $50,000.00

.15%

.20%

$50,000.01 - $100,000.00

.20%

.30%

$100,000.01 - over

.30%

An average daily balance of $10,00.00 must be maintained to earn a dividend. Your dividend rate and annual percentage yield may change. If the account is closed before the end of any month, or the average daily balance for the month is less that $10,000 no dividends will be paid for that month.

IRA Accounts S80, S81, S82 and S84

Dividend rate

And the APY

.65%

.65%

An average daily balance is not required to earn a dividend for this account. There is a $25.00 minimum balance required required for these accounts.