CERTIFICATE OF DEPOSIT-INTEREST RATES AND ANNUAL PERCENTAGE YIELDS

EFFECTIVE 11/18/08-11/24/08

TERM

INTEREST RATE

ANNUAL PERCENTAGE YIELD

3 Month

   1.90%

   1.92%

6 Month

2.75

2.78

9 Month

2.75

2.78

12 Month

3.15

3.20

18 Month

3.40

3.45

24 Month

3.40

3.45

30 Month

3.35

3.40

36 Month

3.35

3.40

48 Month

3.55

3.61

60 Month

4.15

4.23

MINIMUM DEPOSIT OF $1,000.00 REQUIRED

PENALTY FOR EARLY WITHDRAWAL

PASSBOOK SAVINGS
INTEREST RATE	ANNUAL PERCENTAGE YIELD
1.50%	1.51%
MINIMUM DEPOSIT IS $100 TO ACHIEVE THE DISCLOSED ANNUAL PERCENTAGE YIELD

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