NOTICE

AAA-endorsed Certificates of Deposit (CD), Money Market Account (MMA), and Individual Retirement Account (IRA) products have been provided through a partnership with Bank of America. Effective December 31, 2007, AAA's Deposit relationship with Bank of America will expire and is not being renewed. While your current account will no longer have the AAA endorsement, you can continue to use your account as you do today. If you own a AAA - endorsed CD or IRA account, your rate and term will continue unchanged until its normal Maturity date. If you own a AAA-endorsed Money Market Account, the interest rate on your account will continue to be linked to the Money Fund Report AveragesAll Taxable index outlined in your Deposit Agreement unless you receive written notice from Bank of America indicating otherwise. If you have a AAA Credit Card, that account will not be affected in any way.

AAA Western Central New York values your members and is currently researching other banks and their deposit programs and will have more information in the near future. Watch for details.

We will continue to update you on AAA's new deposit program and the ways that we can help you further meet your savings needs. If you would like to contact Bank of America concerning your current accounts, you can call (800-526-7120) If you have any questions for AAA Western Central New York, please contact Karen VanDusen at (585-388-4083) during regular business hours.