Savings         Money Market Savings Monthly itemized statement of transactions Transaction limits apply Interest paid monthly Annual Percentage Yield(A.P.Y.) No service charge with minimum daily balance Rate subject to change  Money Market Savings Rates * Interest Rate A.P.Y. Minimum Balance .65% .65% $1,000 ($10 per month if below) Rates effective: 04/09/2008 Statement Savings Earns competitive interest rate Interest paid monthly ATM card available Monthly statements No service charge with minimum daily balance Rate subject to change Annual Percentage Yield(A.P.Y.) Statement Savings Rates * Interest Rate A.P.Y. Minimum Balance .45% .45% $100 ($1.00 per month if below) Rates effective: 04/09/2008 Passbook Savings Earns competitive interest rate No service charge with minimum daily balance Rate subject to change Annual Percentage Yield(A.P.Y.) Passbook Savings Rates * Interest Rate A.P.Y. Minimum Balance .45% .45% $100 ($2 quarterly fee if below) Rates effective: 04/09/2008 Christmas Club Savings $10.00 minimum to open Earns competitive interest rate Rate subject to change Annual Percentage Yield(A.P.Y.) Christmas Club Savings Rate* Interest Rate       A.P.Y.   Minimum Balance .45%                   .45         $10.00 Rates effective: 04/09/2008