INVESTMENT CERTIFICATE RATES

As of October 1, 2008

INVESTMENT CERTIFICATES	DIVIDEND RATE	ANNUAL PERCENTAGE RATE
6-Month, $1,000 Minimum Balance	2.475%	2.50%
12-Month, $1,000 Minimum Balance	2.72%	2.72%
24-Month, $1,000 Minimum Balance	2.86%	2.90%
36-Month, $1,000 Minimum Balance	3.45%	3.50%
48-Month, $1,000 Minimum Balance	3.45%	3.50%
60-Month, $1,000 Minimum Balance	3.49%	3.55%
36-Month Jumbo, $20,000 Minimum Balance	4.60%	4.70%
48-Month Jumbo, $20,000 Minimum Balance	4.795%	4.90%
60-Month Jumbo, $20,000 Minimum Balance	4.84%	4.95%

2 - Step Certificates*	Dividends	Annual Percentage Yield
24-Month Jumbo, $20,000 Minimum Balance *Add to once during the term; Increase the rate once during the term	3.98%	4.05%
24-Month Jumbo IRA, $20,000 Minimum Balance *Add to once during the term; Increase the rate once during the term	3.98%	4.05%

MARKET INDEX CERTIFICATES - Principle Guaranteed, $1,000 Minimum Balance, Earnings Rate Based on S&P 500 [stock market]