*Annual Percentage Yield

SAVINGS	BALANCE TO OPEN	MINIMUM BALANCE TO EARN INTEREST	INTEREST RATE	DAILY COMPOUNDED ANNUAL PERCENTAGE YEILD
Regular Passbook Savings	$50.00	$50.00	0.25%	0.25%
Junior Passbook	$0.00	$0.00	0.25%	0.25%
Statement Saving	$100.00	$100.00	0.25%	0.25%
Christmas Club	$0.00	$0.00	0.25%	0.25%
Vacation Club	$0.00	$0.00	0.25%	0.25%
CHECKING	-		-	-
N.O.W. Account	$250.00	$250.00	0.25%	0.25%
MONEY MARKET ACCOUNTS	-		-	-
Money Market Checking	$1,000.00	$1,000.00	0.345%	0.35%
Money Market Savings	$1,000.00	$1,000.00	0.345%	0.35%
Money Market IRA	$100.00	$100.00	0.49%	0.50%
Personal Gold Money Market	$25,000.00	$25,000-$49,999.99 $50,000 - $99,999.99 $100,000 and over	0.49% 0.74%  0.98%	0.50% 0.75% 1.00%
Money Market Premiere	$10,000	$10,000 - $24,999.99 $25,000-$49,999.99 $50,000 and over	0.345% 0.49% 0.74%	0.35% 0.50% 0.75%
Interest Rates for all savings, money market and checking accounts are subject to change.
CERTIFICATE OF DEPOSIT	-		-	-
31 Day Certificate	$1,000.00	$1,000.00	0.25%	0.25%
91 Day Certificate	$1,000.00	$1,000.00	0.30%	0.30%
6 Month Certificate	$1,000.00	$1,000 to $4,999.99 $5,000 - $9,999.99 $10,000.00 and over	0.34% 0.39% 0.39%	0.35% 0.40% 0.40%
9 Month Certificate	$1,000.00	$1,000 to $4,999.99 $5,000 - $9,999.99 $10,000 and over	0.44% 0.49% 0.49%	0.45% 0.50% 0.50%
12 Month Certificate	$1,000.00	$1,000 to $4,999.99 $5,000 - $9,999.99 $10,000 and over	0.64% 0.64% 0.74%	0.65% 0.65% 0.75%
15 Month Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	0.74% 0.79%	0.75% 0.80%
18 Month Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	0.89% 0.94%	0.90% 0.95%
24 Month Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	0.98% 1.03%	1.00% 1.05%
30 Month Certificate	$1,000.00	$1,000.00	1.23%	1.25%
5 Year Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	1.81% 1.81%	1.85% 1.85%
10 Year Certificate	$1,000.00	$1,000.00	1.95%	2.00%

PENALTIES IMPOSED FOR EARLY WITHDRAWAL OF CERTIFICATES FEES MAY REDUCE INTEREST EARNED