Rates - Dividend Rates

SHARES	RATE	APY
SHARE/SAVINGS	0.20%	0.20%
LIFE SAVINGS	0.10%	0.10%
DRAFT/CHECKING	0.10%	0.10%
IRA	1.00%	1.00%
PREMIUM SAVERS **
Tier One $10,000.00-$24,999.99	0.25%	0.25%
Tier Two $25,000 and over	0.35%	0.35%

CERTIFICATES - Rates effective September 1, 2010
(Certificate Rates Subject to change without notice)

TERMS	RATE	APY
6 MONTH TERM (MINIMUM $1,000.00)	0.40%	0.40%
1 YEAR TERM (MINIMUM $5,000.00)	0.50%	0.50%
2 YEAR TERM (MINIMUM $5,000.00)	0.60%	0.60%

EARLY WITHDRAWAL PENALTY:
6 MONTH CERTIFICATES = 30 DAYS INTEREST
1 & 2 YEAR CERTIFICATES = 90 DAYS INTEREST
* APY = Annual Percentage Yield
** Premium Savers Accounts (This is actual rate declared for 3rd Quarter ending
September 30, 2010)
The estimated rates for 4th quarter 2010 are as follows:
Tier One – Rate .25% - APY - .25%
Tier Two – Rate .35% - APY – .35%

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