The current rates of interest in effect are as follows and are subject to change:

• For periods greater than 60 months: 4.75%
• For periods up to 60 months: 3.75%

• Up to $5,000.00: 8.00%
• Up to $10,000.00 with 2 co-signers: 7.50%

• 1.60%

Loans to businesses never lower than the new or used auto loan rate for 60 months or less except if secured by shares.

• 2.0% below prime rate (floor 4.00%) as published in Wall Street Journal on day of commitment and adjusted on January 1st to the prime rate published in the Wall Street Journal

• Shares for the 4th quarter of 2011: 0.10%
• One year share certificates: Not currently offered