Savings Account Rates     Rates effective as of 07/21/2008

Product	Interest Rate	Annual Percentage Yield	Minimum Deposit
Regular Passbook Savings	0.50	0.50	5.00
Direct DepositSavings	0.75	0.75	5.00
Savings Plus:
Tier I - $7,499.99 or less	0.50	0.50	7,500.00
Tier 2 - $7,500.00 or more	1.50	1.51	7,500.00
Certificates of Deposit    Rates effective as of 07/21/2008
Term   Interest Rate   Annual Percentage Yield   Minimum Deposit   91 Day   1.50   1.50   500.00     182 Day   1.74   1.75   500.00     12 Month   2.09   2.10   500.00     18 Month   2.129   2.15   500.00     20 Month   1.10   1.10   500.00     24 Month   2.23   2.25   500.00     30 Month   2.385   2.40   500.00     36 Month   2.48   2.50   500.00     48 Month   2.725   2.75   500.00     60 Month   2.965   3.00   500.00
Checking Account Rates    Rates effective as of 07/21/2008
Product	Interest Rate	Annual Percentage Yield	Minimum Deposit
Direct Deposit	0.35	0.35	1.00
Now Account	0.35	0.35	1000.00
Super Now Account:
Tier 1 - $2,499.99 and less	0.35	0.35	2500.00
Tier 2 - $2,500.00 and more	0.50	0.50	2500.00
Money Market Plus:
Tier 1 - $1,000.00	0.25	0.25	1000.00
Tier 2 - $1,000.00 to $9,999.99	0.35	0.35	1000.00
Tier 3 - $10,000.00 to $49,999.99	1.735	1.75	1000.00
Tier 4 - $50,000.00 and more	1.980	2.00	1000.00
Tier 5 - $100,000 and over	2.33	2.35	100,000.00
IRA Rates    Rates effective as of 07/21/2008
Product	Interest Rate	Annual Percentage Yield	Minimum Deposit
12 Month Fixed	2.50	2.52	500.00
18 Month Variable	2.25	2.28	10.00
18 Month Fixed	2.60	2.63	500.00
24 Month Fixed	2.75	2.78	500.00
30 Month Fixed	3.00	3.03	500.00
36 Month Fixed	3.25	3.29	500.00
48 Month Fixed	3.46	3.50	500.00
60 Month Fixed	3.70	3.75	500.00

Mortgage Loan Rates    Rates effective as of 07/21/2008

Product	Rate	Annual Percentage Rate	Points/Fees	Terms	Margin	Comments
1 Year ARM	5.000%	5.384%	Flood Cert. $22.00 Processing Fee $175.00	up to 30 Years	2.50	Adjustments based on 1 year  Treasury
3 Year ARM	6.000%	5.292%	Flood Cert. $22.00 Processing Fee $175.00	up to 30 Years	2.50	Adjustments based on 3 year  Treasury
3 yr / 1 yr ARM	5.250%	5.669%	Flood Cert. $22.00 Processing Fee $175.00	up to 30 Years	2.50	Adjustments based on 3 year  Treasury
5 Year ARM	6.250%	5.834%	Flood Cert. $22.00 Processing Fee $175.00	up to 30 Years	2.50	Adjustments based on 5 year  Treasury
5 yr / 1 yr	5.375%	5.571%	Flood Cert. $22.00 Processing Fee $175.00	up to 30 Years	2.50	Adjustments based on 5 year  Treasury
7 yr / 1 yr	5.625%	5.730%	Flood Cert. $22.00 Processing Fee $175.00	up to 30 Years	2.50	Adjustments based on 5 year  Treasury
Fixed Rate Mortgage Loan Rates
Product	Rate	Annual Percentage Rate	Points/Fees	Terms	Margin	Comments
15 Year Fixed	6.375%	6.450%	Flood Cert. $22.00 Underwriting Fee $150.00	15 Years	N/A
			Processing Fee $175.00
20 Year Fixed	6.875%	6.435%	Flood Cert. $22.00 Underwriting Fee $150.00	20 Years	N/A
			Processing Fee $175.00
30 Year Fixed	6.875%	6.922%	Flood Cert. $22.00 Underwriting Fee $150.00	30 Years	N/A
			Processing Fee $175.00

Access Home Equity Line of Credit
Product		Annual Percentage Rate	Payments	Repay Terms	Comment
Home Equity Fixed Payment		7.500%	Fixed	5 Years	+ Closing Costs
Home Equity LOC		5.00%	The amount of accrued interest on the last day of the billing cycle.	15 Years	(Current balance + the credit line) <=80% of the appraised value of your home.
Home Equity LOC		6.00%	The amount of accrued interest on the last day of the billing cycle.	15 Years	<90% of the appraised value of your home.

Installment Loan Rates    Rates effective as of 07/21/2008
Product	Annual Percentage Rate	Terms	Comments
Auto
New	5.500	up to 60 months	Please call for details
Used	TBD	upon request	Please call for details
Unsecured	TBD	up to 24 months	Please call for details
	TBD	25 - 36 months	Please call for details
Secured	TBD	Upon Request	Please call for details