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Personal Checking Accounts
Account Type	Tier	Rate	APY
Free Checking	$0 - $499.99	0.00%	0.00%
	$500.00 - $9,999.99	0.00%	0.00%
	$10,000.00 - $24,999	0.00%	0.00%
	$25,000.00 and Up	0.00%	0.00%
Choice Checking*	$0 - $499.99	0.00%	0.00%
	$500.00 - $9,999.99	.79%	.80%
	$10,000.00 - $24,999	.79%	.80%
	$25,000.00 and Up	.99%	1.00%
Gold Checking (50 years or better)*	$0 - $499.99	0.00%	0.00%
	$500.00 - $9,999.99	.79%	.80%
	$10,000.00 - $24,999	.79%	.80%
	$25,000.00 and Up	.99%	1.00%
Smart e Checking-Qualifying Account	$0-$25000.00	5.85%	6.01%
	$25000.01 and Up	1.99%	2.01%
Smart e Checking-Non qualifying Account	$0-$25000.00	.50%	.50%
	$25000.01 and Up	.50%	.50%
Rates Effective as of May 6, 2008 APY - Annual Percentage Yield *Minimum balance to obtain APY is $500.00. Compounding Frequency - Monthly Fees could reduce earnings. Rates may change after the account is opened.

Personal Savings Accounts
Account Type	Tier	Rate	APY
Basic*	$0 - $9,999.99	.74%	.75%
	$10,000.00 - $24,999.99	.74%	.75%
	$25,000.00 and Up	.74%	.75%
Index Money Market**	$0 - $9,999.99	.99%	1.00%
	$10,000.00 - $24,999.99	1.14%	1.15%
	$25,000.00 and Up	1.49%	1.50%
Rates Effective as of May 6,2008 APY - Annual Percentage Yield $50.00 Minimum balance to open. Compounding frequency - quarterly. *$1,000.00 Minimum balance to open. Compounding frequency - monthly. Fees could reduce earnings. Rates may change after the account is opened.

Business Checking Accounts
Account Type	Tier	Rate	APY
Business Plus (Sole Proprietorship and non-profit organization)**	$0 - $499.99	0.00%	0.00%
	$500.00- $9,999.99	.79%	.80%
	$10,000.00 - $24,999.99	.79%	.80%
	$25,000.00 and Up	.99%	1.00%
Rates Effective as of May 6, 2008 APY - Annual Percentage Yield 1.90% earnings credit on principle balance each day. Applied against fees incurred for the monthly statement cycle. *Minimum balance to obtain APY - $500.00. Compounding frequency - monthly. Fees could reduce earnings. Rates may change after the account is opened.

Business Savings Accounts
Account Type	Tier	Rate	APY
Basic*	$0 - $9,999.99	.74%	.75%
	$10,000.00 - $24,999.99	.74%	.75%
	$25,000.00 and Up	.74%	.75%
Index Money Market**	$0 - $9,999.99	.99%	1.00%
	$10,000.00 - $24,999.99	1.14%	1.15%
	$25,000.00 and Up	1.49%	1.50%
Rates Effective as of May 6, 2008 APY - Annual Percentage Yield $50.00 minimum balance to open. Compounding frequency - quarterly. *$1,000.00 minimum balance to open. Compounding frequency - monthly. Fees could reduce earnings. Rates may change after the account is opened.

Certificates of Deposit
Term	Minimum to Open	Rate	APY
7 - 89 Day *	$500	.99%	1.00%
3 Month *	$500	2.23%	2.25%
6 Month *	$500	2.23%	2.25%
12 Month *	$500	2.72%	2.75%
18 Month *	$500	2.97%	3.00%
24 Month *	$500	3.21%	3.25%
36 Month *	$500	3.45%	3.50%
48 Month *	$500	3.70%	3.75%
60 Month *	$500	3.94%	4.00%

Rates Effective as of May 6, 2008 APY - Annual Percentage Yield $500.00 minimum balance to open. $500.00 minimum balance to obtain APY. Compounding frequency - maturity. *$500.00 minimum balance to open. $500.00 minimum balance to obtain APY. Compounding frequency - quarterly. A penalty may be imposed for withdrawal before maturity.

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