Certificate of Deposit Rates as of 5-9-08

CD Term	Minimum Deposit	Interest Rate	APY*
30 Days	$ 1,000.00	1.90 %	1.90 %
60 Days	$ 1,000.00	1.90 %	1.90 %
90 Days	$ 1,000.00	1.90 %	1.90 %
180 Days	$ 1,000.00	1.99 %	2.00 %
9 Months	$ 1,000.00	2.23 %	2.25 %
1 Year	$ 1,000.00	2.38 %	2.40 %
1.5 Years	$ 1,000.00	2.48 %	2.50 %
2 Years	$ 1,000.00	3.06 %	3.10 %
2.5 Years	$ 1,000.00	3.06 %	3.10 %
32 Month Option	$ 1,000.00	3.06 %	3.10 %
3 Years	$ 1,000.00	3.11 %	3.15 %
4 Years	$ 1,000.00	3.11 %	3.15 %
5 Years	$ 1,000.00	3.16 %	3.20 %
8 Months	$ 1,000.00	2.23 %	2.25 %
13 Months	$ 1,000.00	2.38 %	2.40 %
19 Months	$ 1,000.00	2.48 %	2.50 %
27 Months	$ 1,000.00	3.06 %	3.10 %
11 Mo.	$ 1,000.00	2.28 %	2.30 %
8 Mo. Special	$ 25,000.00	2.97 %	3.00 %
9 Mo. Special	$ 25,000.00	2.97 %	3.00 %
10 Mo. Special	$ 25,000.00	2.97 %	3.00 %
Pick Your Term 1-12 Months	$ 100,000.00	3.06 %	3.10 %
21 Mo. Special	$ 5,000.00	2.67 %	2.70 %
* Annual Percentage Yield. Annual Percentage Yields are valid as of 5-9-08. These rates may change at any time without prior notice. Interest rates are fixed for term of CD. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.