Rates

Effective January 3, 2012

Certificate of Deposit Products****

Sturdy Savings Bank Certificates of Deposit provide you with the flexibility to design your own investment strategy at an attractive rate of return. Features of our Certificates of Deposit include:

• Terms ranging from 3 months to five years
• Can be tailored to mature or automatically renew to meet your individual needs
• Flexible interest payment options
• Individual Retirement Accounts (IRA) available on Certificate of Deposit terms of one year and longer

* Daily Balance (the amount of collected principal balance in the account each day).

** Current rates will be quoted at the time of opening an account or upon request (Call 609-463-5220).

*** Annual percentage yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. Fees may reduce earnings.

**** The interest rate and annual percentage yield on Certificates of Deposit, except for 18 month (variable) and Jumbo, assumes that you maintain a checking account with us.

Certificate of Deposit Disclosures

Excel-A-Rate Option (36 month) You may direct us to increase the interest rate on this certificate once its initial term and one time during each subsequent term to the prevailing rate on the certificates with the same maturity as originally issued. You must request the rate increase in person and sign a written authorization. The new interest rate will be effective as of the date of your signature.