Prospective Dividends for the month of November, 2009.

Accounts	Prospective Dividend Rate	Prospective APY*
Shares and Business Shares:
$25 - $199.99**	.40%	.40%
$200 - $2,499.99	.40%	.40%
$2,500 - $9,999.99	.40%	.40%
$10,000 - $24,999.99	.40%	.40%
$25,000 - $49,999.99	.50%	.50%
$50,000 - $99,999.99	.50%	.50%
$100,000 - and Up	.50%	.50%
Dividend bearing Checking (Share Drafts)	.20%	.20%
Holiday Account	.50%	.50%
Secured Visa Shares	.25%	.25%
IRA Accounts	Dividend Rate	APY*
IRA Share Accounts for the month (Declared)	1.40%	1.41%

"APY" means "annual percentage yield."
**Minor Accounts only
All share accounts are variable rate accounts and subject to change.
Fee may reduce earnings.

Effective October 1, 2008, dividends on Savings, Checking, Holiday accounts, Club accounts, IRA Share accounts and Secured Visa accounts will be compunded monthly and credited on the last day of the month.