SHARE CERTIFICATES
Term
$500 Minimum to Open
Dividend Rate
APY
6 month
4.16%
4.25%
12 month
4.07%
4.15%
18 month
4.07%
4.15%
24 month
4.21%
4.30%
36 month
4.11%
4.20%
Rates subject to change with notice
Effective 11/21/07
