Loan Rates                   as of 11/10/2008 LOAN TYPE CREDIT GRADE* A B C D & E Signature Loans 9.00 - 10.00% 11.00 - 13.00% 16.00% 18.00% New Car Loans 4.99 - 6.95% 4.99 - 6.95% 9.50 - 11.40% 14.50 - 15.50% Used Car Loans 6.50 - 9.00% 6.50 - 9.00% 11.40 - 14.25% 16.50 - 17.50% Mortgage Secured 9.50% 10.50% 11.50% 13.50% Share Secured Share Rate + 4.50%  Certificate Secured Certificate Rate + 2.00%  *Credit Grade based on Credit Score

Savings Rates            as of 11/10/2008 DESCRIPTION ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD All Dividend Payments depend upon balance.     Christmas Club #8 up to 0.88% maximum up to 0.88% maximum Special Savings #9 up to 0.88% maximum up to 0.88% maximum Savings & Checking:  Balances of $101 - $499 0.29% 0.29% Savings & Checking:  Balances of $500 - $999 0.58% 0.58% Savings & Checking:  Balances greater than $1,000 0.88% 0.88% ATM ONLY 0.00% 0.00%

Certificate and IRA Rates      as of 11/10/2008 DESCRIPTION MINIMUM DEPOSIT TERMS ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD Certificate or IRA $500.00 3 Months 0.98% 0.88% Certificate or IRA $500.00 6 Months 2.55% 2.58% Certificate or IRA $500.00 12 Months 2.60% 2.63% Certificate or IRA $1,000.00 12 Months 2.85% 2.88% Money Market $2,500.00 6 Months 2.65% 2.67% Certificate or IRA $5,000.00 18 Months 3.23% 3.23% Certificate or IRA $5,000.00 2 Years 3.15% 3.15% Certificate or IRA $5,000.00 2.5 Years 3.30% 3.30%