CERTIFICATE RATES:

91 DAYS:                                            .50%                        APR      .50%

6 MONTHS:                                       .55%                        APY       .55%

12 MONTHS:                                     .75%                        APY       .75%

18-30 MONTHS:                               1.00%                       APY       1.00%

IRA RATES:

FIXED 12-18 MONTHS:                   1.00%                      APY        1.01%

VARIABLE 12-23 MONTHS:          1.10%                      APY        1.10%