Loan Rates                   as of 01/08/2010 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 3.99 - 6.95% 3.99 - 6.95% 5.50 - 8.50% 11.99 - 14.50% Used Car Loans 6.50 - 9.00% 6.50 - 9.00% 9.50 - 11.50% 14.50 - 15.00% 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 01/08/2010 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 0.06% 0.06% Savings & Checking:  Balances of $500 - $999 0.12% 0.12% Savings & Checking:  Balances greater than $1,000 0.18% 0.18% ATM ONLY 0.00% 0.00%

Certificate and IRA Rates      as of 01/08/2010 DESCRIPTION MINIMUM DEPOSIT TERMS ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD Certificate or IRA $500.00 3 Months 0.28% 0.28% Certificate or IRA $500.00 6 Months 0.57% 0.57% Certificate or IRA $500.00 12 Months 0.92% 0.92% Certificate or IRA $1,000.00 12 Months 1.12% 1.12% Money Market $2,500.00 6 Months 0.97% 0.97% Certificate or IRA $5,000.00 18 Months 1.78% 1.78% Certificate or IRA $5,000.00 2 Years 1.32% 1.32% Certificate or IRA $5,000.00 2.5 Years 2.24% 2.24%