Current Savings Rates

EFFECTIVE: January 5, 2007
SHARE/SAVINGS	DIVIDEND RATE	APY*	TERM
SAVINGS	0.5%		N/A
SHARE DRAFT	0.275%		N/A
IRA	0.675%		N/A
* APY is the Annual Percentage Yield

EFFECTIVE: September 20, 2007
CERTIFICATES	DIVIDEND RATE	APY*	TERM
6 MONTH CERTIFICATE	2.95%		6 mo
12 MONTH CERTIFICATE	3.50%		12 mo
18 MONTH CERTIFICATE	3.75%		18 mo
30 MONTH CERTIFICATE	3.95%		30 mo
* APY is the Annual Percentage Yield