Rates

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Effective date February 7, 2013.

Personal Products

Account Name Interest Rate APY* Minimum Deposit to Open
Peoples Advantage 0.0% 0.0% $50.00
Peoples Transition 0.0% 0.0% $50.00
Peoples Choice 50** ($0.01ˆ) 0.01% 0.01% $50.00
Peoples Choice 50** ($25,000.00ˆ) 0.03% 0.03% $50.00
Peoples Choice 50** ($75,000.00ˆ) 0.05% 0.05% $50.00
Peoples Focus** ($0.01ˆ) 0.01% 0.01% $50.00
Peoples Focus** ($25,000.00ˆ) 0.03% 0.03% $50.00
Peoples Focus** ($75,000.00ˆ) 0.05% 0.05% $50.00
Peoples Money Market** (0.01^) 0.02% 0.02% $2,500.00
Peoples Money Market** ($25,000.00ˆ) 0.04% 0.04% $2,500.00
Peoples Money Market** ($75,000.00ˆ) 0.06% 0.06% $2,500.00
Statement Savings** ($100.00ˆ) 0.02% 0.02% $100.00

Business Products

Account Name Interest Rate APY* Minimum Deposit to Open
Business Super Now** ($5,000.00ˆ) 0.04% 0.04% $1,000.00
Business Money Market** ($0.01ˆ) 0.02% 0.02% $2,500.00
Business Money Market** ($25,000.00ˆ) 0.04% 0.04% $2,500.00
Business Money Market** ($75,000.00ˆ) 0.06% 0.06% $2,500.00

Certificates of Deposit CDs

Length Interest Rate APY* Minimum Balance to Open^
182 Days 0.10% 0.10% $500.00
12 Months 0.15% 0.15% $500.00
18 Months 0.20% 0.20% $500.00
24 Months 0.20% 0.20% $500.00
36 Months 0.25% 0.25% $500.00
48 Months 0.30% 0.30% $500.00
60 Months 0.35% 0.35% $500.00

Individual Retirement Accounts IRAs

Length Interest Rate APY* Minimum Balance to Open^
12 Months 0.15% 0.15% $500
6 Months 0.10% 0.10% $500
18 Months 0.20% 0.20% $500
24 Months 0.20% 0.20% $500
36 Months 0.25% 0.25% $500
48 Months 0.30% 0.30% $500
60 Months 0.35% 0.35% $500
IRA Savings 0.02% 0.02% $50

* APY - Annual Percentage Yield.
** Rate and APY may change after account opening.
^ Minimum balance to obtain the disclosed APY.
For all accounts listed above, fees paid may reduce the earnings on these accounts. Early withdrawal penalties may apply and reduce earnings on Certificate of Deposits and IRA products. APY on Certificate of Deposit and IRA products is based on quarterly compounding.