Deposit Rates

Time Certificates
Term	Deposit		A.P.Y*
7 to 31 days	$2,500.00		0.20%
32 to 89 days	$2,500.00		0.50%
90 to 179 days	$2,500.00		1.85%
180 to 364 days	$1,000.00		2.15%
12 to 23 months	$1,000.00		2.35%
24 to 35 months	$1,000.00		2.50%
36 to 47 months	$1,000.00		2.75%
48 to 59 months	$1,000.00		2.85%
60 months and Above	$1,000.00		2.95%

*Annual Percentage Yield Based on monthly compounding. Interest credited electronically A.P.Y. Subject to change without notice Effective 03/25/08
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Time Certificate Specials
Term	Deposit		A.P.Y. *
7 Months	$20,000.00		2.55%
11 Months	$20,000.00		2.95%
$20,000 MINIMUM DEPOSIT AND BALANCE TO EARN STATED ANNUAL PERCENTAGE YIELD (A.P.Y.) THERE ARE NO FEES ASSOCIATED WITH THIS TIME CERTIFICATE; HOWEVER, A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL EXCEPT AS PROVIDED BY LAW. THE ANNUAL PERCENTAGE YIELD (A.P.Y.) APPLIES TO TIME CERTIFICATES WHERE INTEREST IS CREDITED TO THE TIME CERTIFICATE AND COMPOUNDED MONTHLY. UNLESS YOU NOTIFY US OTHERWISE, THIS TIME CERTIFICATE WILL AUTOMATICALLY RENEW AT MATURITY AS A SIX (6) MONTH TIME CERTIFICATE SUBJECT TO THE A.P.Y. THEN IN EFFECT ON SIX (6) MONTH TIME CERTIFICATES. NO OTHER ACCOUNT RELATIONSHIP IS NECESSARY TO PURCHASE THESE TIME CERTIFICATES. THIS OFFER MAY NOT BE COMBINED WITH ANY OTHER TIME CERTIFICATE SPECIAL. A.P.Y IS SUBJECT TO CHANGE WITHOUT NOTICE. Effective 03/25/08 TIME DEPOSIT SPECIALS MAY BE WITHDRAWN OR REPLACED AT ANY TIME WITHOUT NOTICE
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Individual Retirement Accounts
Term	Deposit		A.P.Y.*
180 to 364 days	$1,000.00		2.15%
12 to 23 months	$1,000.00		2.35%
24 to 35 months	$1,000.00		2.50%
36 to 47 months	$1,000.00		2.75%
48 to 59 months	$1,000.00		2.85%
60 months and Above	$1,000.00		2.95%


*Annual Percentage Yield Based on monthly compounding. Interest credited electronically A.P.Y. Subject to change without notice Effective 03/25/08
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Other Deposit Accounts
Account Title		Deposit		A.P.Y*
Personal
Now Account		$100.00		0.35%
Regular Savings		$100.00		0.50%
Bonus Savings		$1000.00		0.50%
Automatic Christmas Savings		N/A		0.25%
Commercial
Corporate Savings		$100.00		0.50%

*Annual Percentage Yield A.P.Y. Subject to change without notice Interest credited electronically Effective 03/25/08
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Account Title		Deposit		A.P.Y*
				Below			Above
*Personal*				$2,500	$20,000	$20,000
Money Market Savings		$100		0.25%	.50%	.75%
Super Money Market Savings		$100		0.25%	.50%	.75%
Money Market Checking		$100		0.25%	.50%	.75%
				Below		Above
*Commercial*				$2,500	$20,000	$20,000
Money Market Savings		$100		0.25%	.50%	.75%

*Annual Percentage Yield A.P.Y. Subject to change without notice Interest credited electronically Effective 3/25/06
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