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REGULAR SHARES (SAVINGS)           0.20%       0.20% A.P.Y.

MONEY MARKET SHARES
Balance $1000 - 2499.99                    .22%             .22% A.P.Y.
Balance $2500 - 9999.99                   .23%             .23% A.P.Y.
Balance $10000 - 24999.99                .24%             .24% A.P.Y.
Balance over 25000.00                       .25 %            .25% A.P.Y.

IRA SAVINGS                               .20%            .20% A.P.Y.

SANTA'S HELPER                             .10%            .10% A.P.Y.