Deposit Rates

All rates are effective June 1, 2010, and are subject to change without notice.

Deposit Rates
Account	Minimum	Rate	A.P.Y.
Silver Lining Savings (S1)*	$10	0.05%	0.05%
	$1,000	0.10%	0.10%
	$25,000	0.20%	0.20%
Special Purpose (S4)	$0.01	0.05%	0.05%
	$1,000	0.10%	0.10%
	$25,000	0.20%	0.20%
Checking Account (S10, S11)	$0.01	0.00%	0.00%
	$1,000	0.05%	0.05%
IRA Savings (S30, S32, S33)	$10	0.75%	0.75%
Christmas Club (S25)	$0.01	0.40%	0.40%
Youth Savings (S2)	$10	0.20%	0.20%
Insurance & Tax Acct. (S40)		0.46%	0.46%

A.P.Y. = Annual Percentage Yield as of the effective date and are subject to change. Fees could reduce the earnings on the account.