Schedule of Interest Rate for Savings Certificates
Effective February 1, 2012 - February 7, 2012

Type of Certificate	Minimum Deposit to Open Account	Minimum Daily Balance To Obtain Annual Percentage Yield*	Annual Percentage Yield**	Interest Rate**	Interest Compounded	Interest Credited
91 Day / 3 Month $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.08 0.12 0.15	0.08 0.12 0.15	Monthly	Monthly
182 Day / 6 Month $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.10 0.15 0.20	0.10 0.15 0.20	Monthly	Monthly
9 Month $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.20 0.25 0.30	0.20 0.25 0.30	Monthly	Monthly
12 Month $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.30 0.35 0.40	0.30 0.35 0.40	Monthly	Monthly
18 Month $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.40 0.45 0.50	0.40 0.45 0.50	Monthly	Monthly
2 Year $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.50 0.55 0.60	0.50 0.55 0.60	Monthly	Monthly
3 Year $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	0.70 0.75 0.80	0.70 0.75 0.80	Monthly	Monthly
4 Year $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	1.10 1.15 1.20	1.10 1.15 1.20	Monthly	Monthly
5 Year $2,500.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00 and over	$2,500.00	$2,500.00	1.41 1.46 1.51	1.40 1.45 1.50	Monthly	Monthly

* You must maintain this minimum balance in the account each day to obtain the disclosed annual percentage yield. Fees may reduce earnings.
** For current interest rates call 203-431-1986 (available 24 hours per day, seven days a week) or 1-800-416-5866.

The following information applies to the deposit accounts listed above:

Rate and Balance Information:
The interest rate for your account will be paid until the maturity date of your certificate.

The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings if interest is compounded during the term of the account.

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

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

Transaction Limitations, Early Withdrawal Penalties and Future Deposits:
You may not make withdrawals of principal from the account without our permission until the maturity date.  You may not make a partial withdrawal that brings your balance below the required daily minimum balance to earn the annual percentage yield. Except in the case of your death or a court’s declaration of your incompetence, if you withdraw any principal before the maturity date, the early withdrawal penalty described as follows will be charged to your account:
 

Term:	Early Withdrawal Penalty:
3 Months	Equal to the amount of interest that would have been earned on the account to the date of maturity.
6 months-12 months	6 months’ interest
Over 12 months	12 months’ interest

After your account is opened, you may not make any deposits to the account during the term of the account. In addition to the penalties described above, any withdrawal made within 7 days of deposit will be subject to the minimum penalty of seven days interest.

Renewal Policy:
Your account will be automatically renewed at maturity.  You have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged a penalty.

Tiered Interest Rates for Savings Certificates:
These accounts have a tiered interest rate.  This means that the interest rate and the annual percentage yield you earn will depend on the balance in your account at the time the account is opened or at the renewal date.  The tiers are shown on this Schedule of Interest.  You will earn the interest rate and annual percentage yield applicable as of the day the account is opened or on the renewal date throughout the term of the savings certificate regardless of the changes in account balance during the term.