550 17th Street NW

Washington, DC 20429-9990

877-275-3342

Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Noninterest-bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to thestandard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

The term ”noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Rates

Deposit Rates

Deposit Rates	Interest Rate	APY*
Checking Accounts
HHSB Priority Checking	0.05%	0.05%
HHSB Community Pride	0.15%	0.15%
Savings Accounts/Money Market Accounts
HHSB Simple Savings	0.10%	0.10%
HHSB Basic Business Savings	0.10%	0.10%
HHSB Direct Savings Tier I: $0.01 - $4,999.99 Tier II: $5,000 & Above	0.10% 0.15%	0.10% 0.15%
HHSB Business Manager Savings Tier I: $0.01 - $4,999.99 Tier II: $5,000.00 - & Above	0.10% 0.15%	0.10% 0.15%
HHSB Priority Money Market Tier I: $0.01 - $2,500.00 Tier II: $2,500.01 - $10,000.00 Tier III: $10,000.01 - $50,000.00 Tier IV: $50,000.01 - $100,000.00 Tier V: $100,000.01 & Above	0.05% 0.10% 0.15% 0.20% 0.20%	0.05% 0.10% 0.15% 0.20% 0.20%
HHSB Business Money Market Tier I: $0.01 - $2,500.00 Tier II: $2,500.01 - $10,000.00 Tier III: $10,000.01 - $50,000.00 Tier IV: $50,000.01 - $100,000.00 Tier V: $100,000.01 & Above	0.05% 0.10% 0.15% 0.20% 0.20%	0.05% 0.10% 0.15% 0.20% 0.20%
--fees could reduce the earnings on the account--
Certificates of Deposit
91 Day**	0.10%	0.10%
6 Month**	0.16%	0.16%
1 Year**	0.26%	0.26%
2 Year**	0.40%	0.40%
3 Year**	0.65%	0.65%
4 Year**	1.16%	1.16%
5 Year**	1.21%	1.21%
Individual Retirement Accounts
12 Month	0.30%	0.30%
18 Month	0.40%	0.40%
30 Month	0.65%	0.65%
66 Month	1.25%	1.25%
Kids/Student Accounts
HHSB Kid's (under age 12)	0.10%	0.10%
HHSB Student Saver (age 12- college)	0.10%	0.10%
HHSB Kids 18 Month Certificate of Deposit	0.35%	0.35%
* Annual Percentage Yield ** $1,000.00 minimum To Open an Account An early withdrawal penalty may be imposed on Certificates of Deposit and Individual Retirement Accounts.

Effective date 09/14/12

Rates subject to change at anytime.

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