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Txt Banking Instructions

Rates effective as of May 15, 2008.
Rate subject to change without notice.


REGULAR SHARE ACCOUNTS

Minimum Deposit - Term - Nominal Rate - APY*
$25.00  -  NA  -   0.45%  -   0.45%

MONEY MARKET ACCOUNTS

Minimum Deposit - Term - Nominal Rate - APY*   $2,500.00   -   NA  -   1.50%  -   1.51%

SHARE CERTIFICATE ACCOUNTS

Minimum Deposit - Term - Nominal Rate - APY*
$500.00  -   06 Months   -   2.79%  -   2.79%
$500.00  -   12 Months   -   2.85%  -   2.89%
$500.00  -   24 Months   -   2.95%  -   2.99%

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$1,000.00   -   06 Months   -   2.75%  -   2.79%
$1,000.00   -   12 Months   -   2.85%  -   2.89%
$1,000.00   -   24 Months   -   2.95%  -   < input type="text" name="gen_33" value="" size="8">

.................................................................................
$5,000.00   -   06 Months   -   2.85%  -   2.89%
$5,000.00   -   12 Months   -   2.95%  -   2.99%
$5,000.00   -   24 Months   -   3.05%  -   3.10%

.................................................................................
$10,000.00   -    06 Months   -   2.85%  -   2.89%
$10,000.00   -    12 Months   -   2.95%  -   2.99%
$10,000.00   -    24 Months   -   3.05%  -   3.10%