*Rates effective as of Friday 06/11/2010.

Account Type Annual Percentage Yield Rate

PASSBOOK Savings 0.50% 0.499%

NOW Checking Account
0.30% 0.300%

CHRISTMAS CLUBS
3.00% 3.000%

MMDA
0.75% 0.747%

* All rates are subject to change without notice

Following information which may be helpful for you in comparing and understanding our “Deposits Rate Sheets”

     a. Various opening balances required are:

              NOW account : $100.00

              Christmas Club : $10.00

              Passbook Savings : $50.00

     b. The minimum balance to open an MMDA, IRA, or CD is $1,000.00

     c. Fees may reduce earnings on the account

     d. A penalty may be assessed for early withdrawal

Many more terms and conditions can be found through the “Disclosure links” below. Please visit these areas if you need further assistance. We recommend that you call one of our Branch locations Manager and speak with them about your personal financial issues.

Branch Locations and Phone Numbers

Terms & Conditions of Your Account | Truth in Savings Disclosures
Your Ability to Withdraw Funds | Electronic Fund Transfer | Notice of Negative Information

Account Type	Annual Percentage Yield	Rate
PASSBOOK Savings	0.50%	0.499%
NOW Checking Account	0.30%	0.300%
CHRISTMAS CLUBS	3.00%	3.000%
MMDA	0.75%	0.747%

Savings/Checking