Rates effective May 21, 2008. Rates subject to change without notice.

SAVINGS ACCOUNTS
ACCOUNT	AMOUNT	DIVIDEND RATE	APY*
Shares	$500.00 - $2,499.99	0.250%	0.250%
Shares	$2,500.00 - $9,999.99	0.350%	0.350%
Shares	$10,000.00+	0.500%	0.501%
Special	$500.00 - $2,499.99	0.250%	0.250%
Special	$2,500.00 - $9,999.99	0.350%	0.350%
Special	$10,000.00+	0.500%	0.501%
Household	$500.00 - $2,499.99	0.250%	0.250%
Household	$2,500.00 - $9,999.99	0.350%	0.350%
Household	$10,000.00+	0.500%	0.501%
Christmas Club	$500.00 - $2,499.99	0.250%	0.250%
Christmas Club	$2,500.00 - $9,999.99	0.350%	0.350%
Christmas Club	$10,000.00+	0.500%	0.501%
IRA Shares	$500.00+	1.500%	1.508%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

SHARE CERTIFICATES
CERTIFICATE	DIVIDEND RATE	APY*
6 Month - $2,500 Minimum	2.75%	2.778%
12 Month - $2,500 Minimum	3.00%	3.034%
24 Month - $2,500 Minimum	3.25%	3.290%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS