SHARE RATES Effective 3/25/09

$500 -$25,000   $25,001 - $50,000 $50,000 and above $500 $5,000 $10,000+ $500 $5,000 $10,000+ $500 $5,000 $10,000+ $500 $5,000 $10,000+

0.25% 0.50% 0.75% 0.50% 1.00% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%

0.25% 0.50% 0.75% 0.50% 1.00% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%

REGULAR SHARE:   VACATION/CLUBS: IRA/KIDS CLUB ACCOUNTS:             CERTIFICATES OF DEPOSIT: 6 MONTHS 12 MONTHS 24 MONTHS 36 MONTHS

Share rates effective 2/1/09