Rates Effective July 1, 2010.

Deposit Account Nominal Rate APY* Term

Share (Savings) 0.50 0.50 N/A

Share Drafts 0.125% 0.125% N/A

Club Accounts 0.50 0.50 N/A

IRA - Traditional, Roth or Coverdell (Education) Accounts 0.50 0.50 N/A

*APY - Annual Percentage Yield
All rates are subject to change without notice.