SAVINGS ACCOUNTS
Effective Date: January 19, 2010

ACCOUNT TYPE Minimum
Deposit ¹
Min. Daily
Balance ²
Interest
Rate
APY ³
PASSBOOK SAVINGS $1.00 $1.00 1.00% 1.00%

CERTIFICATES OF DEPOSIT
Effective Date: January 19, 2010
A penalty may or will be imposed for early withdrawl from all CD accounts.

ACCOUNT TYPE Minimum
Deposit ¹
Min. Daily
Balance ²
Interest
Rate
APY ³
30 DAY CD *
(30 day interest)
$ 500.00 $ 500.00 1.25% 1.26%
182 Day CD *
(one month's interest)
$ 500.00 $ 500.00 1.40% 1.40%
1 Year CD **
(six months' interest)
$ 500.00 $ 500.00 1.75% 1.76%
18 Month CD **
(nine months' interest)
$ 500.00 $ 500.00 1.90% 1.91%
2 Year CD **
(nine months' interest)
$ 500.00 $ 500.00 2.10%

2.11%

30 Month CD **
(twelve months' interest)
$ 5000.00 $ 5000.00 2.30%

2.31%

3 Year CD **
(twelve months' interest)
$ 5000.00 $ 5000.00 2.75%

2.77%

4 Year CD **
(twelve months' interest)
$ 5000.00 $ 5000.00 3.00%

3.02%

*   Interest - Compounded at maturity, Paid at maturity
** Interest - Compounded semi-annually, Paid semi-annually


Notes:
¹ Minimum to Open an Account
² Daily Balance (the amount of principal in the account each day); Minimum Balance to Obtain APY.
³ APY (Annual Percentage Yield - Total yield after 365 days assuming interest is re-invested)