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Current Savings Account Rates

SAVINGS	BALANCE	INTEREST RATE	ANNUAL PERCENTAGE YIELD	EFFECTIVE DATE
Money Market*	$10.00-999.99	0.40%	0.41%	4/15/2008
Money Market*	$1,000.00-9,999.99	0.50%	0.51%	4/15/2008
Money Market*	$10,000.00 or more	0.75%	0.76%	4/15/2008
*Money market accounts are limited to six transactions per month. Unlimited if by mail, in person or by ATM. Rates Subject to Change at Any Time

SAVINGS	BALANCE	INTEREST RATE	ANNUAL PERCENTAGE YIELD	EFFECTIVE DATE
Now Account*	$500.00 or more	0.35%	0.36%	4/15/2008
Passbook**	$10.00 or more	0.40%	0.41%	4/15/2008
18 Month IRA Savings	$50.00 or more	3.00%	3.03%	4/15/2008
* Minimum balance deposit on Now Account is $500.00 **Limited to nine transactions per quarter. Unlimited if by mail, in person or by ATM. Rates Subject to Change at Any Time

SAVINGS	BALANCE	INTEREST RATE	ANNUAL PERCENTAGE YIELD	EFFECTIVE DATE
Platinum MMKT*	$25,000.00-49,999.99	2.02%	2.03%	7/15/2008
Platinum MMKT*	$50,000.00-74,999.99	2.22%	2.24%	7/15/2008
Platinum MMKT*	$75,000.00 or more	2.52%	2.54%	7/15/2008
*Platinum money market accounts are limited to six transactions per month. Unlimited if by mail, in person or by ATM. Rates Subject to Change at Any Time

• Interest rate is compounded monthly; except for passbook savings is compounded quarterly.
• The Annual Percentage Yields (APY) and Interest Rates shown are offered on accounts accepted by the Bank and effecive for the dates shown above, unless otherwise noted. Rates are subject to change without notice.
• Interest Rate vs. APY: The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. If you receive a periodic statement, that statement will include the APY earned on your account for the period covered by the statement.
• Minimum balance to earn interest.

Return to Personal Savings Accounts.