Current Savings Rates

Dividend Rates As Of October 15, 2009

Share Type Dividend Rate APY* TOP

Regular Share ($100 to Unlimited) 0.25% 0.25%

Share Draft Checking 0.00% 0.00%

Money Market ($2,500 - $9,999) 0.50% 0.50%

Money Market (Over $9,999) 0.75% 0.75%

Christmas Club ($100 to Unlimited) 0.25% 0.25%

Vacation Club ($100 to Unlimited) 0.25% 0.25%

IRA Accumulation ($100 to Unlimited) 0.25% 0.25%

*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Certificate Type Dividend Rate APY* TOP

03 Month Certificate ($500 Minimum) 0.75% .076%

06 Month Certificate ($500 Minimum) 1.00% 1.00%

12 Month Certificate ($500 Minimum) 1.25% 1.25%

06 Month IRA Certificate ($1,000 Minimum) 1.00% 1.00%

12 Month IRA Certificate ($1,000 Minimum) 1.25% 1.25%

18 Month IRA Certificate ($1,000 Minimum) 1.25% 1.25%

24 Month IRA Certificate ($1,000 Minimum) 1.25% 1.25%

30 Month IRA Certificate ($1,000 Minimum) 1.25% 1.25%

36 Month IRA Certificate ($1,000 Minimum) 1.25% 1.25%

*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

• APY means 'Annual Percentage Yield' which considers compounding effect.
• Minimum balance of $100.00 is required to earn dividends.
• Rates subject to change without notice.
• Share certificate dividends are paid at maturity. All other dividends paid quarterly.
• Certificates are subject to a penalty for early withdrawal.
• Contact us for complete Truth-In-Savings disclosure.