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Interest Rates • Certificates of Deposit (CDs) • Individual Retirement Accounts (IRAs) • Interest Bearing Checking • Savings Accounts Current Interest Rate Charts  Interest Rates Annual Percentage Yield (APY) Effective as of 7/14/2008 Interest Rates/APY Subject to Change CERTIFICATES OF DEPOSIT (Minimum $500 Deposit) INTEREST RATE APY 3 Month Certificate of Deposit 2.53 2.55 6 Month Certificate of Deposit 3.06 3.10 12 Month Certificate of Deposit 2.72 2.75 15 Month Certificate of Deposit 2.72 2.75 24 Month Certificate of Deposit 3.02 3.05 30 Month Certificate of Deposit 3.02 3.05 36 Month Certificate of Deposit 2.72 2.75 48 Month Certificate of Deposit 2.82 2.85 60 Month Certificate of Deposit 3.21 3.25 INDIVIDUAL RETIREMENT ACCOUNTS (Minimum Deposit $10 TDOA / $500 Fixed) INTEREST RATE APY Variable / TDOA 1.79 1.80 3 Month IRA 2.53 2.55 6 Month IRA 3.06 3.10 12 Month IRA 2.72 2.75 24 Month IRA 3.02 3.05 36 Month IRA 2.72 2.75 48 Month IRA 2.82 2.85 60 Month IRA 3.21 3.25  INTEREST BEARING CHECKING   INTEREST RATE APY NOW ACCOUNT (Minimum Deposit $1,500) $4,999.99 or less .20 .20 $5,000.00 - $24,999.99 .40 .40 $25,000.00 or more .60 .60 INTEREST BEARING CHECKING (Minimum Deposit $100) J.O.Y. (on balances $1,500 or more) .50 .50 J.O.Y. PLUS .50 .50 MONEY MARKET ACCOUNTS (Minimum $1500 Deposit) INTEREST RATE APY $4,999.99 or less .65 .65 $5,000.00 - $24,999.99 .85 .85 $25,000.00 - $249,999.99 1.00 1.00 $250,000.00 - $499,999.99 1.74 1.75 $500,000.00 or more 2.18 2.20  SAVINGS ACCOUNT INTEREST RATE APY Kid's Club (Minimum Deposit $25) 1.00 1.00 Regular Savings Account (Minimum Deposit $100) 1.00 1.00 Christmas Club (Minimum Deposit $10) 1.00 1.00 Vacation Club (Minimum Deposit $25) .85 .85

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