DIVIDENDS  ARE DECLARED BY THE BOARD OF DIRECTORS QUARTERLY AND PAID QUARTERLY.  DIVIDENDS ON SHARE ACCOUNTS, CHRISTMAS CLUB ACCOUNTS, SHARE DRAFT ACCOUNTS  AND SHARE CERTICATES ARE PAID FROM CURRENT INCOME AND AVAILABLE EARNINGS AFTER REQUIRED TRANSFERS TO RESERVES AT THE END OF A DIVIDEND PERIOD.DIVIDENDS ARE NOT PAID IN EXCESS OF EARNINGS.

DIVIDENDS ARE COMPOUNDED QUARTERLY.  ACCOUNTS CLOSED PRIOR TO THE CREDITING OF DIVIDENDS WILL RESULT IN FORFEITURE OF THOSE DIVIDENDS.

INTEREST/DIVIDENDS WILL BEGIN TO ACCRUE ON ALL DEPOSITS ON THE BUSINESS DAY THAT THEY ARE DEPOSITED.

ACCOUNT INFORMATION AND RATES ARE EFFECTIVE AS OF 02/01/07.

LOAN ACCOUNTS ARE SUBJECT TO 1/2 PERCENT DISCOUNT IF THE TEMPORARY DISABILITY INSURANCE IS ELECTED.  NEW CAR RATES APPLY TO VEHICLES IN THE SAME YEAR OF THE MODEL WITH LESS THAN 15,000 MILES EVEN THOUGH IT  MAY HAVE BEEN TITLED.  PROGRAM CARS WILL ALSO APPLY WITH LESS THAN 20,000 MILES AND HAVE NEVER BEEN TITLED BEFORE. 

THESE RATES ARE TO QUALIFIED BORROWERS.

THESE RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.