Rates Effective June 6, 2008
MONEY  MARKET RATES
  AVERAGE DAILY BALANCES OF:     RATE APY*
    $2,500.00 - $99,999.99   0.50% 0.50%
    $100,000.00 - $249,999.99   3.15% 3.15%
INTEREST CHECKING RATES
  "NOW" ACCOUNT - PERSONAL AND BUSINESS   RATE APY*
  $1,000.00 $ 49,999.99   0.25% 0.25%
  $50,000.00 And Over   2.00% 2.00%
RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE
*ANNUAL PERCENTAGE YIELD