RATES

  Certificates of Deposit****

Interest Rates effective January 4, 2012

Term Minimum to Open* Interest Rate Annual Percentage Yield (APY) Interest Compounding
3 Months 500.00  0.30 0 .30 Quarterly
 6 Months 500.00  0.40 0 .40 Quarterly
12 Months 500.00 0.60  0.60 Quarterly
24 Months 500.00 0.90 0.90 Quarterly
36 Months 500.00 1.15 1.15 Quarterly
48 Months 500.00 1.40 1.41 Quarterly
60 Months 500.00 1.65 1.66 Quarterly

        14 Months*

        5000.00

           0.90

             0.90

         Quarterly
20 Month Premium Certificate 10,000.00 1.00 1.00 Quarterly
 * Must have 2  relationships

Savings Accounts**

Interest Rates effective January 4, 2012

  Minimum to Open* Interest Rate***(APY) Annual Percentage Yield Interest Compounding
Statement Savings 50.00 0.20 0.20 Quarterly
Premium Savings 5000.00 0.40 0.40 Monthly
  below $5000 0.20 0.20 Monthly
IRA Flex Savings 100.00 1.25 1.26 Quarterly
Christmas Club 1.00 0.30 0.30 Annually
Serious on Savings 1.00 0.30 0.30 Monthly
HNB Money Market Sav 1000.00      
up to $999.99   0.10 0.10 Monthly
$1000.00-$9,999.99   0.20 0.20 Monthly
$10,000.00-$24,999.99   0.45 0.45 Monthly
$25,000.00-$99,999.99   0.65 0.65 Monthly
$100,000.00 and up   0.85 0.85 Monthly

Checking Accounts**

Interest Rates effective January 4, 2012

  Minimum to Open* Interest Rate*** Annual Percentage Yield (APY) Interest Compounding
Interest Checking

        500.00

 0.10 0.10 Monthly
Premium Interest
 Must have 2 other bank relationships

        2500.00

 0.20 0.20 Monthly
  below $2,500 0.10 0.10 Monthly
HSA Checking

        100.00
up to $4,999.99   0.20 0.20 Monthly
$5000.00-$9,999.99   0.45 0.45 Monthly
$10,000.00 and up   0.70 0.70 Monthly

* Minimum balance to obtain stated APY.
**Account fees may reduce earnings.
***Variable interest rates subject to change.
****Penalty for early withdrawal.
 
For further information, please see your personal banker.
Account disclosures available on request.