Savings Rates Loan Rates Schedule of Fees       Savings Rates Effective November, 2009 Share Type Dividend APY* Shares (Balance between $5 - $1,000) .75% .75% Shares (Balance between $1,001 - $2,000) .75% .75% Shares (Balance between $2,001 - $10,000) .75% .75% Shares (Balance between $10,001 - $20,000) .75% .75% Shares (Balance over $20,000) 1.05% 1.06% Share Draft (Balance between $1,001 - $2,000) .50% .50% Share Draft (Balance between $2,001 - $10,000) .75% .75% Share Draft (Balance between $10,001 - $20,000) .75% .75% Share Draft (Balance over $20,000) 1.05% 1.06% Internet Checking ** (Balance between $1,000 - $15,000) 1.75% 1.76% Internet Checking ** (Balance $15,001 & Up) 1.05% 1.06% Christmas/Vacation Club Accounts 1.25% 1.26% IRA Share Account 1.50% 1.51% 6 month Share Certificate 1.75% 1.77% 12 month Share Certificate 2.00% 2.02% 24 month Share Certificate 2.25% 2.28% 36 month Share Certificate 2.60% 2.63% 48 month Share Certificate 3.00% 3.04% 60 month Share Certificate 3.25% 3.30% *APY = Annual Percentage Yield. The Share Certificate rates reflect rates earned with direct deposit accounts. Accounts that do not have direct deposit will receive .25% reduction to the disclosed rate. **Internet checking account requires a minimum balance of $1,000 and a monthly direct deposit of at least $500

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