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REGULAR SHARES (SAVINGS)           0.35%       0.35% A.P.Y.

MONEY MARKET SHARES
Balance $1000 - 2499.99                    .37%             .37% A.P.Y.
Balance $2500 - 9999.99                   .38%             .38% A.P.Y.
Balance $10000 - 24999.99                .39%             .39% A.P.Y.
Balance over 25000.00                       .40 %            .40% A.P.Y.

IRA SAVINGS                               .35%            .35% A.P.Y.

SANTA'S HELPER                             .15%            .15% A.P.Y.