DEPOSIT RATES
Rates Effective as of 01/24/08

DEPOSIT RATES	TERM	INTEREST RATE	ANNUAL PERCENTAGE YIELD
CD-91 Day	3M CD	2.43%	2.50%
CD-Six Month	6M CD	2.74%	2.75%
CD-One Year	1Y CD	2.97%	3.00%
CD-Two Year	2Y CD	3.22%	3.25%
CD-Three Year	3Y CD	3.46%	3.50%
CD-Four Year	4Y CD	3.61%	3.65%
CD-Five Year	5Y CD	3.70%	3.75%
IRA "Rate can change at	18mVariable	3.93%	4.00%
anytime once the account is open"

All CD`s require a $1,000.00 minimum deposit. All IRA's require a $500.00 minimum deposit. Penalty may apply for early withdrawal. All rates subject to change.