CD Rates/IRA Rates				Other
Account Type	Interest Rate	APY		Account Type	Interest Rate	APY
3 month	.60	.60		Savings	.10	.10
6 month	.70	.70		Now**	.10	.10
9 month	1.20	1.21		First Rate*	.10	.10
12 month	1.15	1.16		First Rate Plus
15 month	1.30	1.31		Invest Plus	.15	.15
24 month	1.60	1.61		Invest Plus***	.20	.20
30 month
36 month	1.95	1.96
48 month	2.35	2.37
60 month	2.85	2.88

These rates are valid through September 8, 2010.
A withdrawal and/or fees could reduce earnings on any account.
On Certificates of Deposit, a penalty will be assessed for early withdrawal.
APY means Annual Percentage Yield.
*First Rate and First Rate 50 minimum balance of $500 to obtain Annual Percentage Yield (APY)
**NOW minimum balance of $1,000 to obtain Annual Percentage Yield (APY)
***Investment Plus minimum balance of $2500.00 to obtain Annual Percentage Yield (APY).

Account Terms & Conditions	Free Checking	Regular Checking	Investment Plus	Now Checking	First Rate Checking
Minimum to Open Account Age 19 & older on all accounts	$100.00	$100.00	$2,500.00	$100.00	$100.00
Minimum Balance	$0.00	$500.00	$0.00	$1,000.00	$500.00
Service Fees	None	$4.50/month if average daily balance < $500.00	$3.00/debit in excess of 6 per month	$5.00/month if average daily balance < $1,000.00	$5.95
Interest	None	None	See Rates tab	See Rates tab	See Rates tab
Withdrawals Per Month	Unlimited	$.15/debit over 30 if average daily balance < $500.00	Six	$.10 debit if falls below average daily balance < $1,000.00	Unlimited
Account Terms & Conditions	First Rate 50 Checking	Savings	Kids/Teen Club Savings	Club Santa Savings
Minimum to Open Account Age 19 & older on all accounts	$100.00	$50.00	$0.00	$0.00
Minimum Balance	$100.00	$100.00	$0.00	$0.00
Service Fees	$5.95/month if average daily balance < $100.00	$2.00/month if average daily balance < $100.00	$3.00/debit in excess of 6/month	None
Interest	See Rates tab	See Rates tab	See Rates tab	See Rates tab
Withdrawals Per Month	Unlimited Free Club Checks	$3.00/debit in excess of 6/month	Six	None - Check will be cut in November

With all accounts, there is a $27.50 charge for each return/paid item charge per item when account is in the negative. After three business days in the negative, account is charged $15.00 per day.