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Certificate of Deposit (CD's)

                  CERTIFICATE OF DEPOSIT RATES EFFECTIVE JULY 28, 2010
Minimum balance to open account and earn the annual percentage yield (APY): $500.00

Certificates of DepositAnnual Percentage YieldInterest Rate
6 Month CD    0.90%0.90%
12 Month CD or IRA*      1.05%  1.05%
18 Month CD or IRA     1.30% 1.29%
24 Month CD or IRA     1.50% 1.49%
30 Month CD or IRA     2.00% 1.98%
36 Month CD or IRA     2.00% 1.98%
48 Month CD or IRA     2.00% 1.98%
60 Month CD or IRA    2.00%1.98%

Any Annual Percentage Yield (APY) provided in this disclosure assumes interest will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no term.  A withdrawal will reduce earnings.

*Minimum additions of $100.00 or more for 12 month and 18 month contributory IRA's.

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