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| SHARE CERTIFICATE RATES[Rates effective as of June 9, 2009] | ||
| Term | Minimum Deposit | APY* |
| 6 months** | $10,000 | 1.00% |
| 6 months** | $5,000 up to $9,999 | 1.00% |
| 6 months** | $2,500 up to $4,999 | 1.00% |
| *APY=ANNUAL PERCENTAGE YIELD **PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL SOME RESTRICTIONS APPLY - CALL 315-493-6203 FOR INFO |
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