RATES EFFECTIVE AS OF 06/21/08 - SUBJECT TO CHANGE WITHOUT NOTICE


Savings Rates

Certificates of Deposit
RATE SCHEDULE - CERTIFICATE ACCOUNTS
Minimum $1,000.00 Deposit
Dividends Compounded Quarterly

TermAPRAPY
90 Days 2.15% 2.17%
6 Months 2.70% 2.73%
12 Months 3.00% 3.03%
18 Months 3.10% 3.14%
24 Months 3.25% 3.29%
36 Months 3.40% 3.44%

Jumbo Certificates
Minimum $100,000.00 Deposit
Dividends Compounded Quarterly

TermAPRAPY
48 Months 3.50% 3.55%

Regular Savings Account
Minimum Opening Deposit - $5.00
Minimum Balance to Earn the Stated APY - $100.00

AmountAPY
$100.00 to $4,999.00 1.00%
$5,000.00 to $9,999.00 1.25%
$10,000.00 and UP 1.50%
Christmas Club Account 1.00%
Vacation Club Account 1.00%
Fund Management Account 1.00%

Draft Account Checking
Minimum Opening Deposit - $10.00
Minimum Balance to Earn the Stated APY - $100.00
Service Fee - $0

AmountAPY
$100.00 and Above 0.50%

Penalty for early withdrawal on all certificate of deposit accounts
6 Month CD - one month interest earnings
12 Month CD - three months interest earnings

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

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