Effective as of 07/26/2010

Savings Rates
Product	Minimum Balance	Rate	APY*
Checking Accounts	$25.00	.100%	0.10%
Christmas Club	$5.00	.250%	0.25%
Passbook Savings	$25.00	.250%	0.25%
Money Market	$10,000	.300%	.30%
Money Market	$25,000	.499%	.50%
06-11 Month Certificate	$1,000.00	.499%	.50%
12-23 Month Certificate	$1,000.00	.747%	.75%
24-35 Month Certificate	$1,000.00	1.490%	1.50%
36-47 Month Certificate	$1,000.00	1.736%	1.75%
48-59 Month Certificate	$1,000.00	2.227%	2.25%
60 Month Certificate	$1,000.00	2.472%	2.50%
8 Month Special	$5,000.00	.747%	.75%
13 Month Special	$5,000.00	.995%	1.00%
*Annual Percentage Yield