Rate Sheet Effective 9/3/2010

Time Deposits are an easy way to save money and earn a premium interest rate. You decide the best rate and term for you, then you agree to not touch the money until that term ends. All Time Deposits are FDIC insured, and there is a penalty upon early withdrawal. On IRA time deposits, fees may reduce earnings on the account.

Term	Minimum deposit of...	$5,0002	$1,000
3 Month Term	Interest Rate APY*	0.30% 0.30%	0.30% 0.30%
6 Month Term	Interest Rate APY*	0.79% 0.80%	0.79% 0.80%
7 Month Term	Interest Rate APY*	0.79% 0.80%	0.79% 0.80%
8 Month Term	Interest Rate APY*	0.79% 0.80%	0.79% 0.80%
9 Month Term	Interest Rate APY*	0.79% 0.80%	0.79% 0.80%
11 Month Term	Interest Rate APY*	0.79% 0.80%	0.79% 0.80%
12 Month Term	Interest Rate APY*	1.08% 1.10%	1.08% 1.10%
13 Month Term	Interest Rate APY*	1.08% 1.10%	1.08% 1.10%
14 Month Term	Interest Rate APY*	1.08% 1.10%	1.08% 1.10%
15 Month Term	Interest Rate APY*	1.08% 1.10%	1.08% 1.10%
18 Month Term	Interest Rate APY*	1.23% 1.25%	1.23% 1.25%
2 Year Term	Interest Rate APY*	1.57% 1.60%	1.57% 1.60%
30 Month Term	Interest Rate APY*	1.57% 1.60%	1.57% 1.60%
3 Year Term	Interest Rate APY*	2.05% 2.10%	2.05% 2.10%
4 Year Term	Interest Rate APY*	2.44% 2.50%	2.44% 2.50%
5-10 Year Term	Interest Rate APY*	2.92% 3.00%	2.92% 3.00%

Term	Minimum deposit of...	$5,000
15 Month Step-up/Bump Account1,2	Interest Rate APY*	0.00% 0.00%

^* Annual Percentage yield (APY). A penalty will be imposed for early withdrawal on all Time Deposit Accounts.

¹ Depositor may change the Annual Interest Rate (and thus the Annual Percentage Yield) of this TDA 1 time, any time, during this term only, to the posted rate available at First Mutual Bank at that time for Step-up/Bump TDAs of like term and deposit amount. The new rate is paid starting on the date First Mutual receives written notice to change the rate.
² Requires interest-bearing checking account. Business and standard rate is .25% APY lower.