Rates

Effective October 1, 2008 Savings Calculator
Account Type	Minimum Deposit To Open Account	Minimum Balance to Obtain Annual Percentage Yield	Annual Percentage Yield	Interest Rate**
Bonus Checking	0 0	0 to 1,499* 1,499 and over	0.00 0.83	0.00 0.83
Classic Plus Checking	0	0	0.28	0.28
Prestige Checking	10,000 10,000 10,000 10,000	0 to 9,999* 10,000 to 49,999 50,000 to 94,999 95,000 and over	0.28 .75 1.02 1.55	0.28 0.75 1.01 1.54
Statement Savings	0 0	0 to 49* 50 and over	0.00 0.27	0.00 0.27
Insured Money Fund	0 0	0 to 2,499* 2,500 and over	0.00 1.01	0.00 1.01
Elite Money Market	2500 2500 2500 2500 2500	0 to 2500* 2500 to 25,000 25,000 to 49,999 50,000 to 74,999 75,000 and over	0 0.72 0.91 1.40 1.54	0 .72 0.91 1.39 1.53
Limited Edition Savings	10,000	0 to 49 50 to 9,999* 10,000 and over	0 0.51 1.74	0 0.51 1.72
Traditional, Roth, SIMPLE or SEP Individual Retirement Account	500	50*	2.66	2.63
Coverdell Education Savings Account	100	50*	2.83	2.80
Health Savings Account	100	50*	2.83	2.80

       * The collected balance in the account each day.
     ** The IRA interest rate may change quarterly. Deposit account and CD interest rates may change
        weekly on Wednesday. Any fees imposed could reduce earnings. All checking, savings and IRA
        products are a variable rate.

Certificates of Deposit

3 Month

1,000
25,000

1000
25,000

1.75
1.85

1.74
1.84

6 Month

1,000
25,000

1000
25,000

2.02
2.12

2.01
2.11

7 Month

1,000
25,000

1000
25,000

2.07
2.17

2.05
2.15

9 Month

1,000
25,000

1000
25,000

3.10
3.20

3.06
3.16

10 Month

1,000
25,000

1000
25,000

2.17
2.27

12 Month

1,000
25,000

1000
25,000

2.95
3.05

2.92
3.02

15 Month

1,000
25,000

1000
25,000

2.25
2.35

2.23
2.33

18 Month

1,000
25,000

1000
25,000

3.02
3.13

2.99
3.09

24 Month

1,000
25,000

1000
25,000

2.30
2.40

2.28
2.38

26 Month Jump Up

1,000
25,000

1000
25,000

2.33
2.43

2.31
2.41

30 Month

1,000
25,000

1000
25,000

2.33
2.43

2.31
2.41

36 Month

1,000
25,000

1000
25,000

2.44
2.54

2.42
2.52

48 Month

1,000
25,000

1000
25,000

3.45
3.56

3.41
3.51

60 Month

1,000
25,000

1000
25,000

2.47
2.57

2.45
2.55

NOTE: We impose a penalty for early withdrawal. Any fees imposed could reduce earnings.

Canadian foreign exchange rate 94.03% 2-Year T-Note 1.960%

NOTE: We pay the stated interest rate on the entire balance, depending on what tier the balance falls.

CD Penalty Structure
Term	Penalty
Up to 6 months	Equal to Term
7 to 12 months	6 months interest
15 to 24 months	12 months interest
Over 24 months	18 months interest

Rates

Effective October 1, 2008