Savings Rates as of

Share Accounts ¹

      Dividend Rate   Annual Percentage Yield
Regular Passbook Savings (Share Accounts)*     0.25%   0.25%
Share Draft Accounts     0.01%   0.01%
Market Share Accounts** under $1,000   0.05%   0.05%
$1,000-$24,999   0.05%   0.05%
$25,000-$500,000   0.10%   0.10%
Individual Retirement Accounts (IRA)*** Passbook   0.25%   0.25%
3mo. SC   0.20%   0.20%
5mo. SC   0.25%   0.25%
6mo. SC**** up to $90,000   0.25%   0.25%
6mo. SC**** over $90,000   0.30%   0.30%
8 mo. SC   0.25%   0.25%
9 mo. SC   0.30%   0.30%
11 mo. SC   0.40%   0.40%
1 yr. SC   0.40%   0.40%
2 yr. SC   0.50%   0.50%
3 yr. SC   0.85%   0.85%
Educational Savings Account (COVERDELL)*     1.97%   2.00%

*-Dividends accrue on daily balance, compound quarterly on 3/31, 6/30, 9/30, 12/31. Rates may be adjusted quarterly.

**-Dividends accrue on daily balance, compound monthly. Withdrawals are limited, as stated in truth in savings disclosure . Rates may be adjusted monthly.

***-Dividends accrue on daily balance. Passbook compounds quarterly. 5-9 mo. Share Certificate dividend is posted at certificate maturity. Share Certificate rates subject to change at any time. Passbook rate may be adjusted quarterly.

****-Dividends may be withdrawn monthly.

Share Certificates ¹

Time Minimum  
    Dividend Rate Annual Percentage Yield
3 mo.* $2,500 0.20% 0.20%
5 mo.* $100 0.25% 0.25%
6 mo.* ² $1,000 0.25% 0.25%
7 mo.* $1,000 0.25% 0.25%
8 mo.* $1,000 0.25% 0.25%
9 mo.* $1,000 0.30% 0.30%
10 mo.* $1,000 0.30% 0.30%
11 mo.* $1,000 0.40% 0.40%
1 year** $500 0.40% 0.40%
1.5year** $500 0.50% 0.50%
2 year** $500 0.50% 0.50%
2.5year** $500 0.60% 0.60%
3 year** $500 0.75% 0.75%

*-Dividends accrue on daily balance. 3 mo., 5 mo., 6 mo., 7 mo., 8 mo., 9 mo., 10 mo and 11 mo. Share Certificate dividends post at certificate maturity. Withdrawal before maturity subject to penalty, as stated in Truth-in-Savings Disclosure. Certificate rates are subject to change at any time.

**-Dividends accrue on daily balance and compound quarterly. Withdrawal before maturity subject to penalty, as stated in Truth in Savings Disclosure. Certificate rates are subject to change at any time.

¹-Current information may be different than shown.

²-Dividends may be withdrawn monthly.