APY = ANNUAL PERCENTAGE YIELD
Rates Effective December 31, 2011

Share Savings (Suffix A)	Apr.		May.		Jun.
Balance	Dividend Rate	APY	Dividend Rate	APY	Dividend Rate	APY
$.01 -149.99	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
$150.00 -2,499.00	0.10%	0.10%	0.10%	0.10%	0.10%	0.10%
$2,2500.00 -9,999.00	0.15%	0.15%	0.15%	0.15%	0.15%	0.15%
$10,000.00 -24,999.00	0.30%	0.30%	0.30%	0.30%	0.30%	0.30%
$25,000.00 +	0.50%	0.50%	0.50%	0.50%	0.50%	0.50%

SHARE (Suffix A): A minimum deposit of $100 is required to open a Share Account.  Share Account balances below $100 are subject to a monthly maintenance fee of $5.  Maintenance and other fees could reduce your account dividend earnings.

Share Checking (Suffix 0)   Oct.   Nov.   Dec. Balance Dividend Rate APY Dividend Rate APY Dividend Rate APY $.01 -2,499.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $2,500.00 + 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% SHARE CHECKING (Suffix O): A minimum deposit of $25 is required to open a Share Checking Account if you wish to order checks.  Share Checking Accounts are NOT subject to a Monthly Maintenance Fee.

Share Club  (Suffix V,H)   Oct.   Nov.   Dec. Balance Dividend Rate APY Dividend Rate APY Dividend Rate APY $.01 -2,499.00 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% $2,500.00 + 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% SHARE CLUB (Suffix V,H): Maintenance and other fees could reduce your account dividend. Share Certificate Rates Minimum Balance Requirement: $500 Terms Dividend Rate APY Six Months 0.50% 0.50% One Year 0.75% 0.75% Two Years 1.25% 1.26% SHARE CERTIFICATE RATES Share Certificate Rates are subject to change daily. Call for current rates. A substantial penalty is applied to withdrawals of principal prior to maturity. Additional deposits may be made only at renewal. The annual percentage yield assumes that dividends remain on deposit for one year. Dividends are credited every 3 months and at maturity, and compounded every 3 months from the opening date. Call us for rates on deposits over $80,000 at (201)743-5355 Option 2.   ANTICIPATED DIVIDEND RATES First Quarter 2012 Share Savings (Suffix A)   Jan.   Feb.   Mar. Balance Dividend Rate APY Dividend Rate APY Dividend Rate APY $.01 -149.99 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $150.00 -2,499.00 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% $2,2500.00 -9,999.00 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% $10,000.00 -24,999.00 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% $25,000.00 + 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% Share Checking (Suffix 0)   Jan.   Feb.   Mar. Balance Dividend Rate APY Dividend Rate APY Dividend Rate APY $.01 -2,499.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $2,500.00 + 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Share Club  (Suffix V,H)   Jan.   Feb.   Mar. Balance Dividend Rate APY Dividend Rate APY Dividend Rate APY $.01 -2,499.00 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% $2,500.00 + 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% ANTICIPATED RATES Diviends are anticipated monthly. Anticipated Rates are subject to change, and are not guaranteed until approved by the Board of Directors at a regularly scheduled Board meeting in the last month of each dividend period (quarter) for which the anticipated rates are listed. Call for current, anticipated rates (201)743-5355 Option 2.