SAVINGS ACCOUNTS
Effective Date: June 30, 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: April 29, 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 1.10% 1.11%
182 Day CD *
(one month's interest) 		$ 500.00 $ 500.00 1.20% 1.20%
1 Year CD **
(six months' interest) 		$ 500.00 $ 500.00 1.45% 1.46%
18 Month CD **
(nine months' interest) 		$ 500.00 $ 500.00 1.60% 1.61%
2 Year CD **
(nine months' interest) 		$ 500.00 $ 500.00 1.80%

1.81%
30 Month CD **
(twelve months' interest) 		$ 5000.00 $ 5000.00 2.00%

2.01%
3 Year CD **
(twelve months' interest) 		$ 5000.00 $ 5000.00 2.25%

2.26%
4 Year CD **
(twelve months' interest) 		$ 5000.00 $ 5000.00 2.50%

2.52%

*   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)