RATES 

  Certificate of Deposit Rates
as of January 1, 2012

TERM OF CD	MINIMUM BALANCE	RATE	ANNUAL PERCENTAGE YIELD
90 Days	$1,000	0.15%	0.15%
6 Months	$1,000	0.20%	0.20%
12 Months	$1,000	0.30%	0.30%
18 Months	$1,000	0.45%	0.45%
19 Months w/ HNB Checking Account	$5,000	0.80%	0.80%
24 Months	$1,000	0.50%	0.50%
30 Months	$1,000	0.55%	0.55%
33 Months w/ HNB Checking Account	$5,000	1.00%	1.00%
36 Months	$1,000	0.75%	0.75%
48 Months	$1,000	1.65%	1.66%
5 Years	$1,000	1.65%	1.66%

 Penalty for Early CD Withdrawal
CDs maturing in 1 year or less - penalty is 3 months of interest earned or would have been earned.
CDs maturing in over 1 year - penalty is 6 months of interest earned or would have been earned.

 IRA Rates
 as of January 1st through March 31st, 2012

	RATE	ANNUAL PERCENTAGE YIELD
$1,000.00 minimum	0.55%	0.55%

IRA interest rates are subject to change quarterly and are based on the 30 Month CD rate.

Checking Deposit Rates
as of January 1, 2012

	RATE	ANNUAL PERCENTAGE YIELD
Home Plus Checking
$.01 and above	0.10%	0.10%
Home Grand Checking
$.01 - $ 4,999.99	0.10%	0.10%
$ 5,000.00 - $ 9,999.99	0.15%	0.15%
$10,000.00 - $24,999.99	0.15%	0.15%
$25,000.00 - $49,999.99	0.15%	0.15%
$50,000.00 - $99,999.99	0.15%	0.15%
$100,000.00 and above	0.15%	0.15%

 Savings Deposit Rates
as of January 1, 2012

	RATE	ANNUAL PERCENTAGE YIELD
Home Savings	0.05%	0.05%
Home Grown Kids Club Savings	1.00%	1.00%
Home Tiered Savings
$          .01 - $  4,999.99	0.10%	0.10%
$  5,000.00 - $  9,999.99	0.25%	0.25%
$ 10,000.00 - $24,999.99	0.25%	0.25%
$ 25,000.00 - $49,999.99	0.25%	0.25%
$ 50,000.00 - $99,999.99	0.25%	0.25%
$100,000.00 and above	0.25%	0.25%