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Checking Savings Kid$ Boot Camp Cadet$ Club (Ages 12 and under) Money $quad (Ages 13-17) Share Certificates IRA Center Deposit Rates Schedule of Fees

Deposit Rates Advantage Share Draft (Checking) Account2 Minimum to Open Minimum to Earn APY Dividend Rate1 Annual Percentage Yield (APY) * $5,000 0.100% 0.100% 1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. Rates effective September 1, 2010. 2May require minimum deposit to open. September 1,2010 Savings (Share) Account Minimum to Open Minimum to Earn APY Dividend Rate1 Annual Percentage Yield (APY) $5 $100 0.499% 0.50% 1Rates may change at any time. Fees may reduce earnings on the account. Divlyends are compounded and credited quarterly. Rates effective September 1, 2010. September 1,2010 Money Market Accounts Minimum to Open Minimum to Earn APY Dividend Rate1 Annual Percentage Yield (APY) $1,000 $150,000 and more 1.094% 1.100% $1,000 $100,000 - 149,999.99 1.094% 1.100% $1,000 $75,000 - 99,999.99 0.995% 1.000% $1,000 $50,000 - 74,999.99 0.946% 0.950% $1,000 $25,000 - 49,999.99 0.797% 0.800% $1,000 $10,000 - 24,999.99 0.399% 0.400% $1,000 $5,000 - 9,999.99 0.200% 0.200% $1,000 $2,500 - 4,999.99 0.200% 0.200% $1,000 $1,000 - 2,499.99 0.200% 0.200% $1,000 $.01 - 999.99 0.100% 0.100% 1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited monthly. Rates effective September 1, 2010. September 1,2010 Fixed Rate Share Certificate Term Minimum to Open Dividend Rate1 Annual Percentage Yield (APY) 6-month $1,000 0.897% 0.900% 12-Month $1,000 1.195% 1.200% 18-Month $1,000 1.393% 1.400% 24-Month $1,000 1.590% 1.600% 36-month $1,000 2.133% 2.150% 48-month $1,000 2.722% 2.750% 60-month $1,000 2.967% 3.000% 1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. The stated rate will be paid until first maturity. Rates effective September 1, 2010. September 1,2010 First Step Variable Rate Certificate Term Minimum to Open1 Minimum Monthly Deposit Dividend Rate2 Annual Percentage Yield (APY) 12-Month $25 $25 0.648% 0.650 1Deposits must be funds not previously held at Andrews Federal. 2Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. Rates effective September 1, 2010. September 1,2010 Traditional and Roth IRA and ESA Accounts Traditional and Roth IRA Share Accounts Minimum to Open Minimum to Earn APY Dividend Rate1 Annual Percentage Yield (APY) Traditional IRA (Share) Savings $5 $100 0.499%2 0.50% Coverdell ESA (Share) Savings $5 $100 0.499%2 0.50% Traditional IRA Money Market $100 $150,000 and more 1.094%3 1.100% $100,000 - $149,999.99 1.094% 1.100% $75,000 - 99,999.99 0.995% 1.000% $50,000 - 74,999.99 0.946% 0.950% $25,000 - 49,999.99 0.797% 0.800% $10,000 - 24,999.99 0.399% 0.400% $5,000 - 9,999.99 0.200% 0.200% $2,500 - 4,999.99 0.200% 0.200% $1,000 - 2,499.99 0.200% 0.200% $.01 - 999.99 0.100%3 0.100% Roth IRA Money Market $100 $150,000 and more 1.094% 1.100% $100,000 - $149,999.99 1.094% 1.100% $75,000 - 99,999.99 0.995% 1.000% $50,000 - 74,999.99 0.946% 0.950% $25,000 - 49,999.99 0.797% 0.800% $10,000 - 24,999.99 0.399% 0.400% $5,000 - 9,999.99 0.200% 0.200% $2,500 - 4,999.99 0.200% 0.200% $1,000 - 2,499.99 0.200% 0.200% $.01 - 999.99 0.100% 0.100% 1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Rates effective September 1, 2010. 2Dividends are compounded and credited quarterly. 3Dividends are compounded and credited monthly. September 1,2010 Traditional, Educational and Roth IRA Fixed Rate Certificates Term Minimum to Open Dividend Rate1 Annual Percentage Yield (APY) 6-Month $1,000 0.897% 0.900% 12-Month $1,000 1.195% 1.200% 18-Month $1,000 1.393% 1.400% 24-month $1,000 1.590% 1.600% 36-month $1,000 2.133% 2.150% 48-month $1,000 2.722% 2.750% 60-month $1,000 2.967% 3.000% 1Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. The stated rate will be paid until first maturity. Rates effective September 1, 2010. September 1,2010 First Step Variable Rate IRA and ESA Certificates Type Minimum to Open1 Minimum Monthly Deposit Dividend Rate2 Annual Percentage Yield (APY) 12-Month Traditional IRA $25 $25 0.648% 0.650% 12-Month Coverdell ESA $25 $25 0.648% 0.650% 1Deposits must be funds not previously held at Andrews Federal. 2Rates may change at any time. Fees may reduce earnings on the account. Penalties apply for early withdrawal. Dividends are compounded and credited quarterly. Rates effective September 1, 2010. September 1,2010