Effective Date: 05/07/2008

Special Certificates of Deposit (CDs)
Term	Minimum Deposit	Annual Percentage Yield
4 Year Step Up CD Special (Checking account required)	$2,500
Year 1		3.17%
Year 2		3.53%
Year 3		3.89%
Year 4		4.25%
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. Any withdrawals could reduce earnings. A penalty may be imposed for early withdrawal. For more information on terms, rates, or products, please Contact Us.

Certificates of Deposit (CDs)
Term	Minimum Deposit	Annual Percentage Yield
91 Day	$500	2.68%
6 Months	$500	2.94%
1 Year	$500	3.04%
1-1/2 Years	$500	3.04%
2 Years	$500	3.04%
2-1/2 Years	$500	3.04%
3 Years	$500	3.04%
3-1/2 Years	$500	3.04%
4 Years	$500	3.04%
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. Any withdrawals could reduce earnings. A penalty may be imposed for early withdrawal. For more information on terms, rates, or products, please Contact Us.

Individual Retirement Accounts (IRAs)
Term	Minimum Deposit	Annual Percentage Yield
1 Year	$500	3.04%
2-1/2 Years	$500	3.30%
4 Year Variable	N/A	3.45%
5 Years	$500	3.30%
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. Any withdrawals could reduce earnings. A penalty may be imposed for early withdrawal. These yields may be applied to either a Traditional or a Roth IRA. Ask your financial advisor about which may benefit you most.