Share Account (effective 7/28/10)
Account Type	Rate	*APY	Average Daily Balance
Shares	0.00%	0.00%	$1000.00
Club X	0.25%	0.25%	---
Club 1	0.00%	0.00%	$1000.00
Club 2	0.00%	0.00%	$1000.00

Share Certificates (effective 7/28/10)
Account Type	Rate	*APY	Minimum
6 Months	0.00%	0.00%	$500.00
9 Months	0.00%	0.00%	$2000.00
1 Year	0.00%	0.00%	$1000.00
2 Years	0.00%	0.00%	$1000.00

IRA (effective 7/28/10)
Account Type	Rate	*APY	Minimum	Average Daily Balance
Master IRA	0.00%	0.00%	$5.00	$1000.00
1 Year CD	0.00%	0.00%	$1000.00	---
2 Year CD	0.00%	0.00%	$2000.00	---

IRA Certificate requires Master IRA Account.

These rates are Traditional, Roth, and Education IRAs.

All rates are subject to change without advance notice.
Penalty may be imposed for early withdrawls on certain share certificates.
Fees could possibly reduce earnings on certain accounts.

* APY - Annual Percentage Yield

All dividends will post on the last day of each month when applicable.

Minimum average daily balance of $1000.00 is required to earn dividends on Share/Saving account, Club 1, Club 2 and IRA accounts.