Deposit Rates [Subject to Change Without Notice]

• SHARES:

     RATE: 0.20% Paid quarterly on the average daily balance 0.20% APR effective 07/1/10

• SHARE DRAFTS (checking):

     0 - 9,999.00 0.05% 0.05% APR

     10,000.00 -24,999.00 0.20% 0.20% APR

     25,000.00 - & over 0.25% 0.25%APR

• CHRISTMAS CLUB:

0.10% Paid quarterly on the average daily balance 0.10% APR effective 10/1/11

• IRA:  Effective 1/01/12

0.50%APR Paid quarterly on the average daily balance 0.50%APY

• SHARE CERTIFICATE: Effective 09/30/11

0.20% APR 6 months-paid at maturity 0.20%APY

0.25%APR 12 months-paid quarterly 0.25% APY

0.45%APR 24 months-paid quarterly 0.450% APY

0.60%APR 36 months-paid quarterly 0.60% APY

     Minimum deposit on all share certificates $500.00

APR = Annual Percentage Rate, APY = Annual Percentage Yield