CD Rates Effective as of 07/01/2008`

TERM	INTEREST RATE	ANNUAL PERCENTAGE YIELD
91 Day	1.89%	1.90%
182 Day	2.24%	2.25%
1 Year	2.48%	2.50%
18 Month	2.72%	2.75%
2 Year	2.97%	3.00%
26 Month	2.97%	3.00%
3 Year	3.21%	3.25%
5 Year	3.46%	3.51%

All CD`s require a minimum of $500.00 deposit.
Penalty may apply for early withdrawal.

THESE RATES CAN CHANGE AT ANY TIME!
PLEASE CALL THE BANK FOR CONFIRMATION!