Effective Date:02/26/2013

DEPOSIT RATES
ACCOUNT	RATE	APY
NOW	0.15	0.15
MMDA
<25,000	0..25%	0.25%
>25,000	0.25%	0.25%
SAVINGS	0.20%	0.20%
(Fees could reduce the earnings on the account)
(Rates may change after the account is opened)

Effective Date: 02/26/2013

CERTIFICATE OF DEPOSIT RATES
	APY Monthly	APY Quarterly	APY Se/Ann	APY Annual
Under $100,000
30-59 Days	.10			.10
60-89 Days	.10			.10
90-179 Days	.20	.20	.20	.20
180-364 Days	.30	.30	.30	.30
365-544 Days	.60	.60	.60	.60
545-729 Days (18 Mo)	.60	.60	.60	.60
730-over	.60	.60	.60	.60
Over $100,000
30-59 Days	.10			.10
60-89 Days	.10			.10
90-179 Days	.20	.20	.20	.20
180-364 Days	.30	.30	.30	.30
365-544 Days	.60	.60	.60	.60
545-729 Days (18 Mo)	.60	.60	.60	.60
730 over Days (24 Mo)	.60	.60	.60	.60
(the minimum balance to open an account and obtain the Annual Percentage Yield is $1,000)
(A penalty may be inposed for early withdrawal)
For any additional rate information you may call Hull State Bank at (936) 536-6726 or the branch in Liberty at (936) 336-8703.
THESE ANNUAL PERCENTAGE YIELDS ASSUME THAT INTEREST PAYMENTS ARE IMMEDIATLEY REINVESTED AT REINVESTED AT THE SAME INTEREST RATE AS THE ONE PAYABLE ON THE ACCOUNT.