Regular Savings - rates effective 12/09/08

Term	APR	APY	Minimum
Dividends Paid Quarterly	1.25%	1.25%	$25.00

Certificates of Deposit - effective 12/09/08

Term	APR	APY	Minimum
6 months	2.00%	2.01%	$500.00
12 months	3.25%	3.25%	$1,000.00
Jumbo	3.50%	3.50%	$100,000.00

Important Notices

• APR=Annual Percentage Rate
• APY=Annual Percentage Yield
• All interest rates are subject to change without notice.
• Penalty for early withdrawal.