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Share Accounts
Account Type: Minimum Balance: Avgerage Daily Balance: Dividend Rate: APY: Effective Date:
Share Savings $50 $50.00 - $500.00 0.025% 0.025% January 20, 2010
    $500.00 - $4000.00 0.050% 0.050% January 20, 2010
    $4000.00 + 0.10% 0.10%

January 20, 2010

Share Draft None N/A 0.00% 0.00% January 20, 2010
Auxiliary Shares None $50.00 - $500.00 0.025% 0.025% January 20, 2010
    $500.00 - $4000.00 0.050% 0.050% January 20, 2010
    $4000.00 + 0.10% 0.10% January 20, 2010
Christmas Club None $50.00 - $500.00 0.025% 0.025% January 20, 2010
    $500.00 - $4000.00 0.050% 0.050% January 20, 2010
    $4000.00 + 0.10% 0.10%

January 20, 2010

Vacation Club None $50.00 - $500.00 0.025% 0.025%

January 20, 2010

    $500.00 - $4000.00 0.050% 0.050%

January 20, 2010

    $4000.00 + 0.10% 0.10%

January 20, 2010

Traditional IRA None $50.00 - $500.00 0.025% 0.025%

January 20, 2010

    $500.00 - $4000.00 0.050% 0.050%

January 20, 2010

    $4000.00 + 0.10% 0.10%

January 20, 2010

APY - Annual Percentage Yield. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. All rates subject to change without notice.

Term Share Certificates
Term: Dividend Rate: APY: Effective Date:
3 Months 0.350% 0.351% March 31, 2010
       
6 Months 0.550% 0.551% March 31, 2010
12 Months 0.700% 0.702% March 31, 2010

Minimum Balance for all share certificates is $500. APY - Annual Percentage Yield. APY assumes dividends compounded monthly to the certificate. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. All rates subject to change without notice.