Rates Effective: 02/09/2007

Featured Rate: .75%APY Statement Savings

Type	Minimum Deposit To Open	Minimum Balance To Earn APY	Interest Rate	Annual Percentage Yield	Compounding Frequency
Passbook Savings	$10	$0.01	0.50%	0.50%	Quarterly
Statement Savings	$10	$0.01	0.75%	0.75%	Monthly
Christmas Club Account	$1	$0.01	0.50%	0.50%	Quarterly

Rates effective as of 02/09/07. Rates may change after the account is opened. Fees could reduce earnings.