*NOTE

Dividends will be forfeited if an account is closed before accrued dividends are credited.
Fees may reduce earnings on the accounts.
All of these are variable rate accounts - The Dividend Rate and the Annual Percentage Yield are Subject to change without notice.

Effective date 10/28/2008 Last dividend posted date 9/30/08		Term	Rate	APY
		6 Months	2.60	2.62
		12 Months	2.90	2.93
		24 Months	3.75	3.80
		36 Months	3.95	4.01
		48 Months	4.00	4.06
		60 Months	4.15	4.21

*note: Dividends will be forfeited if a certificate is closed before accrued dividends are credited. Fees may reduce earnings on the certificate account.
*note: Same rate for regular CD's and IRA CD's
*note: subject to change without notice
*Balance of Account Method

Effective date 10/28/2008 Last dividend posted date 9/30/08 Rate: 1.00% APY: 1.00%		Rate	APY
Suffix No. 9		1.00	1.00

*Average Daily Balance Method

   Under the average daily balance method, a periodic rate is applied to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principle in the account each day of the period and dividing that figure by the number of days in the period.

*Regular Shares and IRA Shares

Dividends Compounded & Credited Quarterly
Periodic rate = (nominal rate/365) x days in period

  A periodic rate is applied to the account balance each day providing the account balance is greater than the minimum.

*Money Market

Dividends Compounded & Credited Monthly
Periodic rate = (nominal rate/365) x days in period

  The dividend is calculated on the balance quarterly and credited quarterly. Once a CD is set up, no additional funds can be added.

*Share Certificates

Dividends Compounded & Credited Monthly
Periodic rate = (nominal rate/365) x days in period