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CDs

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Certificates of Deposit

TERM	ANNUAL PERCENTAGE YIELD	INTEREST RATE
90 DAYS	2.02%	2.00%
182 DAYS	2.21%	2.20%
12 MONTHS	2.37%	2.35%
24 MONTHS	2.63%	2.60%
60 MONTHS	4.06%	4.00%

The minimum balance to open an account and obtain the annual percentage yield is $500. A penalty may be imposed for early withdrawal. Interest will be compounded quarterly on terms of 12 months or more and at maturity on CDs due in less than 12 months. The rates and APYs shown are offered on accounts opened from 8/20/08 through 9/04/08.

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Certificates of Deposit Specials

TERM	ANNUAL PERCENTAGE YIELD	INTEREST RATE
10 MONTHS	3.01%	3.00%
20 MONTHS	3.36%	3.35%

The minimum balance to open an account to obtain the annual percentage yield is $500. A penalty may be imposed for early withdrawal. Interest will be compounded at maturity on the 10 month certificate and annually on the 20 month certificate. The rates and APYs shown are offered on accounts opened from 8/20/08 through 9/4/08.

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Interest Checking and Savings

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Checking and Savings Rates

ACCOUNT TYPE	MINIMUM DEPOSIT TO OPEN	ANNUAL PERCENTAGE YIELD	INTEREST RATE
INTEREST CHECKING	$500	.50%	.50%
QUARTERLY PASSBOOK SAVINGS	$100 $25 UNDER 18	.75%	.75%
MONTHLY PASSBOOK SAVINGS	$100 $25 UNDER 18	.75%	.75%
MONEY MARKET SAVINGS	$1,000	1.26%	1.25%

The minumum deposit to open these accounts is also the minimum daily balance that is required to obtain the annual percentage yield. Fees could reduce the earnings on the account. Annual Percentage Yeild is accuarate as of August 26, 2008.

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Fees


Account Closure
	Checking or savings (within the first 3 months)	$25
	IRA	$25

Cashier's Check		$4 per check

Certified Check		$10 per check

Check Cashing
	Non-customer	3% of amount/$5 minimum

Coin Counting
	Non-customer	$4 plus 2% of amount

Collection Item
	Outgoing	$5 per item
	Incoming	$10 per item

Copy from Archive		$2 per item

Counter Check		$.50 per check

Facsimile Service (Continental U.S.)
	Outgoing	$3 first page/$1 each additional page
	Incoming	$1 per page

Garnishment or Levy		$30

Indemnity Bond		$25

Instant Cash or Instant Cash & Check Card
	Instant Cash Machines	no charge
	Non-Instant Cash Machines (additional surcharge for ATM use may be imposed by the owner of the ATM)	$1 per withdrawal
	Card Replacement Fee	$5

Internet Banking		no charge

Investment Fee		$50

Notary Service		$1

Overdraft
	Return check fee (insufficient funds-per item*)	$25
	Paid check fee (insufficient funds per item*)	$25
	Maximum daily charge	$100
	Days overdrawn continued	$3 per day
	*Item means check, in person withdrawal, ATM withdrawal or other electronic debit.

Personal Checks		prices vary

Photocopy		$.25 per page

Reconciling and Research Charge		$25 per hour/ $25 minimum

Return Deposit Item		$3 per item

Safe Deposit Box (available at each office)
	Annual box rental	vary by size
	Late rental fee	$5
	Drilling	$200
	Lost Key	$10

Statement Printout		$1

Stop Payment		$20 per request

Telephone Banking		no charge

Undeliverable Statement		$5 per statement

Wire Transfer
	Incoming (customer)	$10
	International	at bank cost
	Outgoing (customer)	$15

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