Rates Effective as of May1, 2008

Certificates of Deposit *
Account Type	Rate	**APY
182 days	1.74%	1.75%
12 months	1.99%	2.00%
24 months	2.23%	2.25%
36 months	2.48	2.50%

*Penalty for early withdrawal
Rates may change after account is opened.

Savings Accounts
Account Type	Rate	**APY
Passbook Savings	1.00%	1.00%
IRA Savings	2.48%	2.50%

*Penalty for early withdrawal.
Fees may reduce earnings on the account.
Rates may change after account is opened.

NOW Account
Account Type	Rate	**APY
$0.01 - $9,999.99	.25%	.25%
Over $10,000.00	.25%	.25%

Rates may change after account is opened.

Money Market
Account Type	Rate	**APY
$0.01 - $9,999.99	.25%	.25%
$10,000.00 - $49,999.99	1.25%	1.26%
$50,000.00 - $99,999.99	1.50%	1.51%
Over $100,000.00	1.75%	1.76%

*Penalty for early withdrawal.
Rates may change after account is opened.

PLEASE CONTACT ANY BANK EMPLOYEE FOR ADDITIONAL INFORMATION

*In the event that the depositor is allowed to withdraw all or part of his/her deposit before maturity, a substantial penalty will be imposed.
**APY = Annual Percentage Yield