Share rates effective March 31, 2008
Share certificate rates effective May 9, 2008
Rates are subject to change

Share Savings

Account Balance	Rate	APY *
$100 - $1499	.20%	.20%
$1500 and up	.35%	.351 %

* Annual Percentage Yield
Minimum amount to earn interest on Share Savings is $100

Share Certificates

Term	Rate	APY *
6 Months	2.00%	2.02%
12 Months	2.50%	2.50%
24 Months	2.60%	2.60%

* Annual Percentage Yield
Required amount to open Share Certficate is $1,000

Interest Computation for Savings Accounts
Share Dividends are calculated using the average daily balance method. This method applies a periodic rate to the average daily balance in the account each month. Dividends are credited and compounded monthly for checking accounts, and quarterly for all other accounts. Checking account maintenance/activity fees may reduce earnings.

Share Certificate Withdrawals & Penalties
Government regulations require a substantial penalty for failure to comply with share certificate requirements.  Should you withdraw funds prior to maturity, the penalty will be as follows:  If the qualifying period is one year or less, you will forfeit an amount equal to the lesser of (a) all dividends for 90 days on the amount withdrawn, or (b) all dividends on the amount withdrawn since the date of issuance or renewal. If the qualifying period is greater than one year, you will forfeit an amount equal to the lesser of (a) all dividends for 180 days on the amount withdrawn, or (b) all dividends on the amount withdrawn since the date of issuance or renewal (Penalties will not be applied if withdrawal is made subsequent to the death of the primary owner of the Share Certificate.) Should the balance of the Share Certificate fall below the required minimum, penalties will be imposed and certificate closed.

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