Regular Share and Club Dividend Rates Effective January 1,2010

$100.00 to $2500.00                .15%   (0.15% APY)

$2501.00 to $20,000.00         .20%  (.20% APY)

$20,001.00 to $60,000.00      .30  (.30% APY)

$60,001.00 and Above          .55%  ( .55% APY)