Savings & Loan Rates Rates are effective as of 3/10/2010 and are subject to change at any time.  Loan Rates Share Account Rates Account Dividend Rate Annual Percentage Yield Share Savings .10% .10% IRA Savings .75% .75% Custom Shares .10% .10% Christmas Club .15% .15% Money Market Account Rates - $2,500 Minimum Balance Dividend Rate Annual Percentage Yield $2,500-$9,999.99 0.50% 0.50% $10,000-24,999.99 0.60% 0.60% $25,000-$39,999.99 0.70% 0.70% $40,000-74,999.99 0.75% 0.75% $75,000+ 0.99% 1.00% High Yield Money Market Account - $25,000 Minimum Minimum Annual Percentage Rate Annual Percentage Yield <$25,000 0.00% 0.00% $25,000-$39,999.99 0.99% 1.00% $40,000-$74,999.99 1.09% 1.10% $75,000-$149,999.99 1.14% 1.15% $150,000+ 1.24% 1.25% Sand Dollar Club Share Certificates (CDs) - $200 Minimum Term Dividends Rate Annual Percentage Yield 12 Month 1.24% 1.25% Wave Riders Club Share Certificates (CDs) - $200 Minimum Term Dividends Rate Annual Percentage Yield 12 Month 1.24% 1.25% Regular Share Certificates (CDs) Rates - $1000 Minimum Term Dividend Rate Annual Percentage Yield 3 month 0.25% 0.25% 6 month 0.50% 0.50% 12 month 1.24% 1.25% 24 month 1.49% 1.50% 36 month 1.735% 1.75% 48 month 1.98% 2.00% 60 month 2.47% 2.50% Petite Share Certificates (CDs) Rates - $40,000 Minimum Term Dividend Rate Annual Percentage Yield 12 month 1.24% 1.25% 24 month 1.49% 1.50% 36 month 1.735% 1.75% 48 month 1.98% 2.00% 60 month 2.47% 2.50% Jumbo Share Certificates (CDs) Rates - $75,000 Minimum Term Dividend Rate Annual Percentage Yield 12 month 1.49% 1.50% 24 month 1.735% 1.75% 36 month 1.98% 2.00% 48 month 2.22% 2.25% 60 month 2.96% 3.00% IRA Share Certificates (CDs) Rates - $1000 Minimum Account Dividend Rate Annual Percentage Yield 12 Month 1.49% 1.50% 24 Month 1.735% 1.75% 36 Month 1.98% 2.00% 48 Month 2.22% 2.25% 60 Month 2.96% 3.00% Loan Rates are subject to change at any time. (Effective January 1, 2010) Type of Loan APR Fixed as low as Term Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***) 3.75%* ** 24 Months Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***) 4.00%* ** 36 Months Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***) 4.25%* ** 48 Months Boat, Camper, Car, Jet Ski, Motorcycle, RV, SUV, Travel Trailer, Truck or Van (New or Used ***) 4.49%* ** 60 Months Boat, Car, RV, SUV, Travel Trailer, Truck or Van (New or Used***) 5.49%* ** 72 Months Boat, Car, RV, SUV, Travel Trailer, Truck or Van (New or Used***) 6.75%* ** 84 Months Boat, RV & Travel Trailer (New or Used***) 8.00%* ** 96 Months Boat, RV & Travel Trailer (New or Used***) 9.00%* ** 108 Months Boat, RV & Travel Trailer (New or Used***) 10.00%* ** 120 + Months Signature Line of Credit 8.25% N/A Signature 7.99% N/A Certificate Secured Floor of 6.00% N/A *Rate includes a .50% discount for having taken advantage of our Rate Rewards Program. The maximum discount for any one member is 0.60%. **Subject to individual credit worthiness and other qualifications, as deemed necessary. *** An additional 1% is added to the rate for Models 2002 or older. Mortgage & Home Equity Loan Rates Type APR as low as Annual Percentage Yield For current rates see Mortgage web page. Truth in Savings Disclosures

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Effective October 3, 2008, your savings are insured with the highest combination of federal/private share savings deposit insurance available…$500,000 for individual share accounts, $500,000 for joint accounts and $500,000 for Individual Retirement Accounts. ESI provides members up to $250,000 in coverage, in addition to the standard $250,000 of share deposit insurance protection from the National Credit Union Administration (NCUA) an agency of the federal government.