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 08-21-10                            THESE RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.