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    Effective Date: May 1, 2008
    Savings
      MINIMUM BALANCE RATE APY
    Regular Savings
    (Share) Account
    $5.00 .40% .40%
    IRA Shares $5.00 .65% .65%
    Educational Club Shares
    (existing participants)
    $5.00 .65% .65%

    Checking
      MINIMUM BALANCE RATE APY
    Basic Checking $0.00 0.00% 0.00%
    Interest Checking $300.00 0.25% 0.25%

    Money Market
    MINIMUM BALANCE RATE APY
    Money Market Account $1,500.00 Variable - Weekly Variable
    Money Market Plus $2,500.00 Variable - Monthly Variable

    Certificates of Deposit/IRA
    Regular Certificates, IRA Certificates, & Educational Club Certificates
    TERM MINIMUM BALANCE APR* APY**
    13 Weeks $500.00 2.00% 2.02%
    26 Weeks $500.00 2.25% 2.27%
    1 Year $500.00 2.35% 2.37%
    18 Months $500.00 2.45% 2.47%
    2 Years $500.00 2.50% 2.52%
    30 Months $500.00 2.60% 2.63%
    3 Years $500.00 2.70% 2.73%
    4 Years $500.00 2.90% 2.93%
    5 Years $500.00 3.00% 3.03%
    Market Index CD (IRA) $500.00 Based on Dow Jones Index
    * For Certificates of $20,000-$44,999 add .10%
    ** For Certificates of $45,000 or more add .20%

    *Annual Percentage Yield (APY) assumes dividend is compounded to CD quarterly

    SUBSTANTIAL INTEREST PENALTY FOR EARLY WITHDRAWAL

    RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE

    1314 Texas, Ste 1800 Houston, TX 77002-6312 713.646.2820 800.582.8275 FAX 713.646.2802

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