Account Information

Dividends Declared**

Rates effective October 1, 2006**

Type Amount RATE *APY
Shares to $2499.99 0.80% *0.80%
Shares $2500 and over 0.95% *0.95%
IRA Share Acct   1.98% *1.99%
Share Draft/Checking over $500 .50% *.50%
Club Acct to $2499.99 0.80% *0.80%
Club Acct $2500 and over 0.95% *0.95%
*Above dividends are based on average daily balance and are paid monthly.
Certificates**
Bronze 6 Months $1000 4.25% *4.33%
Bronze 12 Months $1000 4.50% *4.59%
Copper 24 Months $5000 4.85% *4.95%
Silver 6 Months $10,000 4.35% *4.44%
Silver SPECIAL 7 Months $10.000 Until 10/31/2006 ONLY! 5.84% 6.00%
Silver 12 Months $10,000 4.55% *4.65%
Silver 36 Months $10,000 4.95% *5.06%
Gold 6 Months $20,000 4.70% *4.80%
Gold 12 Months $20,000 4.75% *4.85%
Diamond 12 Months $30,000 4.85% *4.96%
Platinum 12 Months $50,000 4.90% *5.01%
IRA Certificates**
Bronze 12 Months $1000 4.50% *4.59%
Copper 24 Months $5000 4.85% *4.96%
Silver 12 Months $10,000 4.55% *4.65%
Silver 36 Months $10,000 4.95% *5.06%
Gold 12 Months $20,000 4.75% *4.85%
Diamond 12 Months $30,000 4.85% *4.96%
Platinum 12 Months $50,000 4.90% *5.01%
Youth Certificates**
3 month $500 minimum 3.90% *3.97%
6 month $500 minimum 4.25% *4.33%
12 month $500 minimum 4.45% *4.54%
**Dividends declared April 2006 – Payable April 28,2006 – C.D. Rates Effective May 1st, 2006
**C.D. Dividends paid monthly – Early withdrawal penalties may apply
*APY = Annual Percentage Yield
*All rates subject to change at any time.