Rates Effective as of August 19, 2008

Deposit Rates
Account Product Name	Daily Balances of:	Minimum Opening Deposit	Minimum Balance to Obtain APY*	Interest Rate	APY*
NOW Checking***	$1,000.00 - 2,499.99	$1,000.00	$1,000.00**	.25%	.25%
	$2,500.00 and up	$1,000.00	$1,000.00	.40%	.40%
High Performance****	$1,000.00 - 2,499.99	$2,500.00	$2,500.00	.25%	.25%
	$2,500.00 - 9,999.99	$2,500.00	$2,500.00	1.25%	1.76%
	$10,000.00 and up	$2,500.00	$2,500.00	1.50%	2.02%
Kid Cent$ Savings Account***		$2.50	$2.50**	.75%	.75%
Savings Account****		$100.00	$100.00**	.75%	.75%
CDs - 3 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	1.75%	1.76%
	$50,000.00 - 99,999.99	$1,000.00	$1,000.00	1.95%	1.97%
	$100,000.00 and up	$1,000.00	$1,000.00	2.15%	2.17%
CDs - 182 Days***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	2.00%	2.02%
	$50,000.00 - 99,999.99	$1,000.00	$1,000.00	2.20%	2.22%
	$100,000.00 and up	$1,000.00	$1,000.00	2.40%	2.43%
CDs - 12 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	2.25%	2.27%
	$50,000.00 - 99,999.99	$1,000.00	$1,000.00	2.45%	2.48%
	$100,000.00 and up	$1,000.00	$1,000.00	2.65%	2.68%
CDs - 18 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	2.30%	2.32%
	$50,000.00 - 99,999.99	$1,000.00	$1,000.00	2.50%	2.53%
	$100,000.00 and up	$1,000.00	$1,000.00	2.70%	2.73%
CDs - 24 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	2.50%	2.53%
	$50,000.00 - 99,999.99	$1,000.00	$1,000.00	2.70%	2.73%
	$100,000.00 and up	$1,000.00	$1,000.00	2.90%	2.94%
CDs - 36 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	2.75%	2.78%
	$50,000.00 -99,999.99	$1,000.00	$1,000.00	2.95%	2.99%
	$100,000.00 and up	$1,000.00	$1,000.00	3.15%	3.20%
CDs - 48 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	3.00%	3.04%
	$50,000.00 - 99,999.99	$1,000.00	$1,000.00	3.20%	3.25%
	$100,000.00 and up	$1,000.00	$1,000.00	3.40%	3.45%
CDs - 60 Months***	$1,000.00 - 49,999.99	$1,000.00	$1,000.00	3.25%	3.30%
	$50,000.00 -99,999.99	$1,000.00	$1,000.00	3.45%	3.51%
	$100,000.00 and up	$1,000.00	$1,000.00	3.65%	3.71%
IRA - 18 Month****		$25.00	$25.00**	2.50%	2.53%

*Annual Percentage Yield
**Daily balance. The amount of the principal in the account each day.
***A penalty will be imposed for early withdrawal.
****The interest rate and annual percentage yield may change after account opening.
Fees could reduce earnings on the account.