Rates
Last Dividend Declaration Date: 04/21/08

Savings & Transaction Accounts	Dividend Rate	Annual Percentage Yield
Share Account	1.25%	1.26%
Christmas Club Account	1.25%	1.26%
Kick Account	1.25%	1.26%
Share Loan Account	1.25%	1.26%
Individual Retirement Account	1.50%	1.51%	for amounts up to $5000
	2.00%	2.01%	for amounts over $5000
Roth IRA Account	1.50%	1.51%	for amounts up to $5000
	2.00%	2.01%	for amounts over $5000
Coverdell Education Savings Account	1.50%	1.51%	for amounts up to $5000
	2.00%	2.01%	for amounts over $5000
Checking Account	.75%	.75%

Time Accounts		Dividend Rate	Annual Percentage Yield
Share Certificate	90 Days	2.50%	2.52%
	6 Months	2.75%	2.78%
	12 Months	3.00%	3.03%
	24 Months	3.40%	3.44%
	36 Months	3.70%	3.75%
IRA, Traditional IRA, Roth IRA and Coverdell Education Savings Account	24 Months	2.75%	2.78%
	36 Months	3.00%	3.03%

Loan Rates
New Vehicles	as low as 5.50%
Used Vehicles	as low as 7.00%
Signature Loans	as low as 10.75%

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Fee Schedule

Share Fees
Excessive Withdrawal Fee	$1.00/debit	For each debit in excess of six during a calendar month, does not apply to ATM transactions.
Christmas Club Account Fees
Excessive Wtihdrawal Fee	$1.00/debit	For each debit in excess of one during a calendar quarter.
Account Fees
Overdraft Fee	$20.00/item
NSF Fee	$17.00/item Handling Fee $5.00/item
Stop Payment Fee	$13.00/request
Check Printing Fee	Prices vary depending upon style.
Copy of Check	$2.00/item
Other Service Fees
Account Reconciliation	$5.00/hour	One hour minimum
Account Research	$5.00/hour	One hour minimum
Statement Copy Fee	$1.00/copy
Deposited Item Return Fee	$15.00/item
Wire Transfer Fee (outgoing)	$15.00/transfer
Certified Check	$0.75/check
Money Order	$1.00/money order
Travelers Check	$0.50/$100.00
Travelers Checks For Two	$1.00/$100.00
Inactive Account Fee	$3.00/Month	After one year and account under $50.00
Replace ATM Card	$5.00/each
Western Union	$17.50/each