Rates

Statement Savings Account

Regulation DD Disclosure

The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

VARIABLE RATE ACCOUNT:

Your interest rate and annual percentage yield (APY) may change.

DETERMINATION OF RATE:

At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES:

We may change the interest rate on your account at any time.

TIERING LEVELS AND THEIR APPLICABLE INTEREST RATES:

The interest rate to be paid on your account will depend on the daily balance in your account. See below to determine what interest rate will be paid depending on the daily balance in your account. The separate "tiers" that have varying interest rates that apply are:

• If the daily balance in your account is between $1.00 and $9,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $10,000.00 or greater, the entire balance in your account will earn the appropriate interest rate.

COMPOUNDING AND CREDITING:

Interest will be compounded and credited to your account on a quarterly basis.

BALANCE COMPUTATION METHOD:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

ACCRUAL OF INTEREST ON NON-CASH DEPOSITS:

Interest begins to accrue on the business day you deposit non-cash items (for example checks).

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $1 to open the account.
• TO AVOID SERVICE FEE: A service charge of $5 will be imposed every month if the balance falls below $100 on any day of the month.
• TO OBTAIN THE APY DISCLOSED: You must maintain a minimum balance of $1 in the account each day to obtain the disclosed APY.

TRANSACTION LIMITATIONS:

You may not make more than six transfers or withdrawals, or combination of such transfers or withdrawals, per calendar month, from your statement savings account by means of Preauthorized or automatic withdrawals including telephone or similar order.

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest

TIERING LEVELS AND INTEREST RATES:

The interest rate to be paid on your account will depend on the daily balance in your account. Please refer to our Rate Information section for more information on the current interest rates and tiering levels.

Banking for Kids Club Account

REG DD DISCLOSURE

The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

VARIABLE RATE ACOUNT:

Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE:

At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES:

We may change the interest rate on your account at any time.

COMPOUNDING AND CREDITING:

Interest will be compounding and credited to your account on a quarterly basis.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $1.00 to open the account.
• TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NON-CASH DEPOSITS:

Interest begins to accrue on the business day you deposit non-cash items (for example, checks.)

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest.

ELIGIBILITY REQUIREMENTS:

To be eligible for this account the account owner must be between the ages of 0 and 17 years of age. When the account owner no longer meets the age eligibility requirements the account will be transitioned to an Altoona First Statement Savings account.

Vacation Club / Christmas Club Account

Regulation DD Disclosure

The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

VARIABLE RATE ACCOUNT:

Your interest rate and annual percentage yield my change.

DETERMINATION OF RATE:

At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES:

We may change the interest rate on our account at any time.

COMPOUNDING AND CREDITING:

Interest will not be compounded on this account and will be credited to your account at maturity.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $1.00 to open the account.
• TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:

Interest begins to accrue on the business day you deposit non-cash items (for example, checks.)

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest

WHEN YOUR ACCOUNT WILL MATURE:

See above to determine the maturity date or term needed to obtain the annual percentage yield stated.

WITHDRAWAL OF INTEREST PRIOR TO MATURITY:

The annual percentage yield disclosed in the rate section assumes interest will remain on deposit until maturity. Any withdrawal will reduce earnings.

WHEN YOUR ACCOUNT WILL MATURE:

CHRISTMAS CLUB ACCOUNTS - Mature the second Saturday of each October.

VACATION CLUB ACCOUNTS - Mature the second Saturday of each April.

EARLY WITHDRAWAL PENALTY:

If you withdraw from this account prior to the maturity date, we may impose a penalty. The penalty would be loss of all interest earned to date.

RENEWAL OF ACCOUNT:

This account will not renew automatically at maturity. At maturity, all funds in the account will be mailed to you via check or transferred to another deposit account.

Money Market Deposit Account

Regulation DD Disclosure

The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

VARIABLE RATE ACCOUNT:

Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE:

At our discretion, we may change the interest rate on your account. The interest rate will never be lower than a percentage of the Fed Funds Rate as published in the "Money Rates" section of the Wall Street Journal times a percentage indicated by your balance as described below.

FREQUENCY OF RATE CHANGES:

The interest rate and annual percentage yield may change at any time.

TIERING LEVELS AND THEIR APPLICABLE INTEREST RATES:

The interest rate to be paid on your account will depend on the daily balance in your account. See the reverse side of this disclosure to determine what interest rate will be paid depending on the daily balance in your account. The separate "tiers" that have varying interest rates that apply are:

• If the daily balance in your account is between $2,500.00 and $9,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $10,000.00 and $19,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $20,000.00 and $39,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $40,000.00 and $59,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $60,000.00 and $99,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $100,000.00 or greater, the entire balance in your account will earn the appropriate interest rate.

COMPOUNDING AND CREDITING:

Interest will be compounded and credited to your account on a monthly basis.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $2,500.00 to open the account.
• TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

TRANSACTION LIMITATIONS:

You may not make more than six third party transfers from your account during a monthly statement cycle, of which no more than three may be made by check, debit card transaction or similar order.

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest

MONEY MARKET DEPOSIT ACCOUNT TIERS AND RATES

If the balance in your account is between $2,500.00 and $9,999.99, the entire balance in your account will earn: a rate determined by us but not less than 20% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $10,000.00 and $19,999.99, the entire balance in your account will earn: a rate determined by us but not less than 38% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $20,000.00 and $39,999.99, the entire balance in your account will earn: a rate determined by us but not less than 47% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $40,000.00 and $59,999.99, the entire balance in your account will earn: a rate determined by us but not less than 57% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $60,000.00 and $99,999.99, the entire balance in your account will earn: a rate determined by us but not less than 66% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is $100,000.00 or more, the entire balance in your account will earn: a rate determined by us but not less than 75% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

Certificates of Deposit (CDs)

Regulation DD Disclosure

The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

FIXED RATE ACCOUNT:

The interest rate on this account is fixed. You will be paid this rate until the maturity date of the certificate.

COMPOUNDING AND CREDITING:

Certificates with terms of 91 days up to and including 1 year will earn interest on a non-compounded basis and be credited at maturity. Certificates with terms of greater than one year will have interest compounded and credited at each calendar year end and at maturity unless monthly checks or transfers are taken. In this case, interest will be earned on a non-compounded basis.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $1,000.00 to open the account
• TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

TRANSACTION LIMITATIONS:

You may not make deposits into your account until the maturity date.

WHEN YOUR ACCOUNT WILL MATURE:

See above to determine the maturity date or term needed to obtain the annual percentage yield stated.

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest

EARLY WITHDRAWAL PENALTY:

We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the penalty is as follows:

TERM

32 Days thru 181 Days - 30 Days of Interest

182 Days thru 364 Days - 91 Days of Interest

1 Year and Greater - 182 Days of Interest

Any withdrawal which reduces the account balance below the minimum balance requirement shall be considered as a withdrawal of the entire account balance and shall be subject to the penalty prescribed above.

WITHDRAWAL OF INTEREST PRIOR TO MATURITY:

The annual percentage yield disclosed in the rate section assumes interest will remain on deposit until maturity. Any withdrawal will reduce earnings.

RENEWAL OF ACCOUNT:

Your account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds without being charged a penalty.

Variable Rate Certificate of Deposit

Regulation DD Disclosure

The following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

VARIABLE RATE ACCOUNT:

Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE:

At our discretion, we may change the interest rate on your account. The interest rate will never be lower than a percentage of the Fed Funds Rate as published in the "Money Rates" section of the Wall Street Journal times a percentage indicated by your balance as described below.

FREQUENCY OF RATE CHANGES:

We may change the interest rate and annual percentage yield at any time.

LIMITATIONS ON RATE CHANGES:

The interest rate will never be less than 57% of the Fed Funds Rate.

TIERING LEVELS AND THEIR APPLICABLE INTEREST RATES:

The interest rate to be paid on your account will depend on the daily balance in your account. See the reverse side of this disclosure to determine what interest rate will be paid depending on the daily balance in your account. The separate "tiers" that have varying interest rates that apply are:

• If the daily balance in your account is between $1,000.00 and $4,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $5,000.00 and $9,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $10,000.00 and $24,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $25,000.00 and $49,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is between $50,000.00 and $99,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $100,000.00 or greater, the entire balance in your account will earn the appropriate interest rate.

COMPOUNDING AND CREDITING:

Interest will be compounded and credited to your account at the end of each calendar quarter.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $1,000.00 to open the account.
• TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD:

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

TRANSACTION LIMITATIONS:

Unlimited deposits are permitted but only one withdrawal per calendar quarter may be made without a penalty.

WHEN YOUR ACCOUNT WILL MATURE:

See below to determine the maturity date or term needed to obtain the annual percentage yield stated.

EARLY WITHDRAWAL PENALTY:

If more than one transaction per calendar quarter is conducted, the amount of the penalty is 91 days of interest. Any withdrawal that reduces the account balance below the minimum balance requirement shall be considered as a withdrawal of the entire account balance and shall be subject to the penalty prescribed above.

WITHDRAWAL OF INTEREST PRIOR TO MATURITY:

The annual percentage yields disclosed in the rate section assume interest will remain on deposit until maturity. Any withdrawal will reduce earnings.

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest

RENEWAL OF ACCOUNT:

This account will renew automatically at maturity if not redeemed before. No grace period applies to this account.

VARIABLE RATE CERTIFICATE OF DEPOSIT TIERS AND RATES

If the balance in your account is between $1,000.00 and $4,999.99, the entire balance in your account will earn: a rate determined by the bank but not less than 57% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $5,000.00 and $9,999.99, the entire balance in your account will earn: a rate determined by the bank but not less than 66% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $10,000.00 and $24,999.99, the entire balance in your account will earn: a rate determined by the bank but not less than 75% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $25,000.00 and $49,999.99, the entire balance in your account will earn: a rate determined by the bank but not less than 87% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is between $50,000.00 and $99,999.99, the entire balance in your account will earn: a rate determined by the bank but not less than 91% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

If the balance in your account is $100,000.00 or greater, the entire balance in your account will earn: a rate determined by the bank but not less than 95% of the Fed Funds Rate. Please refer to our Rate Information section for current interest rate information.

IRA Cerificate of Deposit

Regulation DD Disclosure

TThe following information is provided to make sure you have a complete understanding of the account you are opening or inquiring about. Please take note of the separate schedule of fees.

FIXED RATE ACCOUNT:

The interest rate on this account is fixed. You will be paid this rate until the maturity date of the certificate.

COMPOUNDING AND CREDITING:

Certificates with terms of 1 year or less will earn interest on a noncompounded basis and will be credited at maturity. Certificates with terms of greater than one year will have interest compounded and credited at year end and at maturity. Customers who are age 59 ¸ or greater may elect to take monthly checks or transfers. In this case, interest will be earned on a noncompounded basis.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $100.00 to open the account.
• OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD:

We used the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:

Interest begins to accrue on the business day you deposit noncash items (for example, checks.)

TRANSACTION LIMITATIONS:

You may make additions to the balance in your account in any amount during its term.

WHEN YOUR ACCOUNT WILL MATURE:

See the last panel of this brochure to determine the maturity date or term needed to obtain the annual percentage yield stated.

EFFECTS OF CLOSING YOUR ACCOUNT:

If you close your account before interest is credited, you will not receive the accrued interest

EARLY WITHDRAWAL PENALTY:

We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the penalty is as follows:

TERM

32 Days thru 181 Days - 30 Days of Interest

182 Days thru 364 Days - 91 Days of Interest

1 Year and Greater - 182 Days of Interest

Any withdrawal which reduces the account balance below the minimum balance requirement shall be considered as a withdrawal of the entire account balance and shall be subject to the penalty prescribed above.

IRA ACCOUNT PROVISIONS:

No penalty will be imposed for any withdrawal that is made within 7 days of establishing the IRA Account. In addition to any penalty that we may impose for early withdrawal, under certain circumstances, there may be an additional IRS penalty. See your Retirement Account Documents for details.

WITHDRAWAL OF INTEREST PRIOR TO MATURITY:

The annual percentage yield disclosed in the rate section assumes interest will remain on deposit until maturity. Any withdrawal will reduce earnings.

RENEWAL OF ACCOUNT:

Your account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds without being charged as penalty.