RATE SCHEDULE Effective May 1, 2008

CHECKING & SAVINGS  |  MONEY MARKETS  |  CERTIFICATES  |  LOANS

SAVINGS AND CHECKING ACCOUNTS Account Rates and Terms Savings (Share) Youth Savings Checking (Share Draft) Club IRA Dividends                                                                                                                                                  Dividend Rate 0.40% 0.40% N/A 0.50% 1.98% Annual Percentage Yield 0.40% 0.40% N/A 0.50% 2.00% Dividends Compounded Monthly Monthly N/A Quarterly Monthly Dividends Credited Monthly Monthly N/A Quarterly Monthly Balance Requirements Minimum Opening Balance $25.00 N/A N/A N/A N/A Minimum Balance Required $25.00 N/A N/A N/A N/A Balance Method Average Daily Average Daily N/A Average Daily Average Daily Account Limitations  View Truth-in-Savings Account Disclosure Savings  Fees may reduce earnings on these accounts

CHECKING & SAVINGS  |  MONEY MARKETS  |  CERTIFICATES  |  LOANS  |  BACK TO TOP   MONEY MARKET ACCOUNTS Account Rates and Terms $2,000-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$249,999 $250,000+ Dividends                                                                                                                                                  Dividend Rate 0.75% 1.24% 1.49% 1.98% 2.47% 2.96% Annual Percentage Yield 0.75% 1.25% 1.50% 2.00% 2.50% 3.00% Dividends Compounded Monthly Monthly Monthly Monthly Monthly Monthly Dividends Credited Monthly Monthly Monthly Monthly Monthly Monthly Balance Requirements Minimum Opening Balance $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 Minimum Balance Required $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 Balance Method Average Daily Average Daily Average Daily Average Daily Average Daily Average Daily Account Limitations                     View Truth-in-Savings Account Disclosure Savings  Fees may reduce earnings on these accounts CHECKING & SAVINGS  |  MONEY MARKETS  |  CERTIFICATES  |  LOANS  |  BACK TO TOP

CERTIFICATE ACCOUNTS  Account Deposits Certificates  IRA Certificates  Minimum Opening Deposit $2,000 $2,000 Dividends Compounded Monthly Monthly Dividends Credited Monthly Monthly Dividend Rate Monthly Monthly Rate Type Fixed Fixed Terms Dividend Rate Annual Percentage Yield Dividend Rate Annual Percentage Yield 3 Month 2.72% 2.75% 2.72% 2.75% 6 Month 2.96% 3.00% 2.96% 3.00% 1 Year 3.20% 3.25% 3.20% 3.25% 2 Year 3.44% 3.50% 3.44% 3.50% 3 Year 3.69% 3.75% 3.69% 3.75% 5 Year 3.93% 4.00% 3.93% 4.00% Transaction Limitations View Truth-in-Savings Account Disclosure Certificates  Fees may reduce earnings on these accounts

CHECKING & SAVINGS  |  MONEY MARKETS  |  CERTIFICATES  |  LOANS  |  BACK TO TOP

LOAN RATES   Loan Type Terms Annual Percentage Rate Vehicle Loans     New and Used Autos Up to 48 Months As low as 4.50%   New and Used Autos Up to 60 Months As low as 5.00%   New and Used Autos Up to 72 Months As low as 6.00%   New Autos Up to 84 Months As low as 6.25% Home Loans     Home Equity - Variable Rate        Low or No Closing Costs 2 Year Fixed Rate Special! 3 Year Fixed Rate Special! 5.25% 4.74% 4.99%   Home Equity - Fixed Rate  5 Year  As low as 6.00%   Home Equity - Fixed Rate 10 Year As low as 6.25%   Home Equity - Fixed Rate  15 Year   As low as 6.75%   Homeowners FLEX Loan Up to $20,000 As low as 12.90%   Construction and Mortgage Loans available upon request.  Other Loans     VISA Lines of Credit — 11.90%   Share and Certificate Secured Loans — Rate + 3.50%   New and Used Recreational Vehicles — 6.95%   FLEX (Personal) Loan Up to 36 Months As low as 11.90%   FLEX (Personal) Loan Up to 60 Months As low as 12.90%   Tuition Loan Up to 12 Months 9.90%