Revised March 1, 2010

Except as specifically described, the Truth-in-Savings disclosure applies to all of the share accounts.

	SAVINGS AND CERTIFICATE					CHECKING			IRA
	Regular Savings	Subsavings	Youth Savings	Share Certificates	Money Market	Freedom Checking	Liberty Gold Checking	Premier Checking	IRA Share	IRA Certificate
DIVIDENDS (Refer to the Rate Schedule)
Dividends Compounded	Monthly	Monthly	Monthly	Monthly	Monthly	0	Monthly	Monthly	Monthly	Monthly
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	0	Monthly	Monthly	Monthly	Monthly
Dividends Period	Monthly	Monthly	Monthly	Monthly	Monthly	0	Monthly	Monthly	Monthly	Monthly

BALANCE REQUIREMENTS
Minimum Opening Deposit	$25.00	0	$5.00	6 MOS. $250.00 12-60 MOS. $500.00	$2,500.00	0	0	0	0	$1,000.00
Minimum Balance to Avoid a Service Fee	0	0	0	N/A	N/A	0	0	$2,000.00 ADB*	N/A	N/A
Minimum Balance to Earn the Stated APY	$25.00	0	$5.00	6 MOS. $250.00 12-60 MOS. $500.00	$25.00	0	$2,000.00 ADB*	0	$25.00	$1,000.00
Balance Method	ADB*	ADB*	ADB*	ADB*	ADB*	None	ADB*	ADB*	ADB*	ADB*

LIMITATIONS	See #4	See #4	See #4	See #4	See #4	None	None	None	See #4	See #4

*Average Daily Balance