Certificate and IRA Rates | Variable Rate Savings Account

Variable Rate Savings Account
Interest Compounded Daily, Posted Monthly
Rates Effective September 1, 2008

Variable Rate Tiered Savings Account $500.00 Minimum
Balance	Interest Rate	Annual Percentage Yield
$500.00 - 9,999.99	2.25%	2.28%
$10,000 - 24,999.99	2.50%	2.53%
$25,000 - 49,999.99	2.75%	2.79%
$50,000 - 99,999.99	3.00%	3.05%
$100,000 - and over	3.25%	3.30%

Limit of (4) Withdrawals per Month
Rates subject to change without notice.

Accounts insured up to $100,000 by FDIC
Total GAAP Net Worth at 06/30/08 - $81,058,000

Total Risk-based Capital at 06/30/08 -         10.80%
Tier 1 Leverage Capital Ratio at 06/30/08 -   10.34%