Certificates of Deposits
Account Name		Minimum Opening Deposit		Interest Rate		Annual Percentage Yield
1 Month Certificatea		$500		1.15%		1.16%
3 Month Certificatea		$500		1.60%		1.61%
3 Month Variable Rate Certificatea,b		$100		1.60%		1.61%
6 Month Certificatea		$500		2.15%		2.17%
6 Month Variable Rate Certificatea,b		$100		2.15%		2.17%
12 Month Certificatea		$500		2.20%		2.22%
12 Month Variable Rate Certificatea,b		$100		2.20%		2.22%
18 Month Certificatea		$500		2.20%		2.22%
24 Month Certificatea		$500		2.20%		2.22%
30 Month Certificatea		$500		2.22%		2.24%
36 Month Certificatea		$500		2.22%		2.24%
48 Month Certificatea		$500		2.25%		2.27%
60 Month Certificatea		$500		2.25%		2.27%
1 Month Jumbo Certificatea		$100,000		2.05%		2.07%
3 Month Jumbo Certificatea		$100,000		2.19%		2.21%
6 Month Jumbo Certificatea		$100,000		2.20%		2.22%
12 Month Jumbo Certificatea		$100,000		2.22%		2.24%
18 Month Jumbo Certificatea		$100,000		2.23%		2.25%
24 Month Jumbo Certificatea		$100,000		2.24%		2.26%

Money Market Checkingb
Daily Balances of:		Interest Rate		Annual Percentage Yield
Up to $2,499		0.05%		0.05%
$2,500 - $9,999		0.25%		0.25%
$10,000 - $24,999		0.40%		0.40%
$25,000 - $99,999		0.75%		0.75%
$100,000 - $249,999		1.10%		1.11%
$250,000 and Up		1.15%		1.16%

Personal Gold Passbook Savingsb
Daily Balances of:		Interest Rate		Annual Percentage Yield
Up to $7,499		0.25%		0.25%
$7,500 - $999,999		1.15%		1.16%

Business Gold Passbook Savingsb
Daily Balances of:		Interest Rate		Annual Percentage Yield
Up to $24,999		0.25%		0.25%
$25,000 - $999,999		1.15%		1.16%

Savingsb
Account Name		Minimum Opening Deposit		Interest Rate		Annual Percentage Yield
Regular Savings		$50		0.25%		0.25%
Christmas Club		$10		0.25%		0.25%
Minor Savings Account		$50		0.25%		0.25%
Golden Advantage Savings		$50		0.25%		0.25%
NOW Account		$100		0.05%		0.05%
Qualified NOW Account		$100		0.05%		0.05%

IRA's
Account Name		Minimum Opening Deposit		Interest Rate		Annual Percentage Yield
Coverdell Education Savings Accountb				1.15%		1.16%
IRA - 12 Month Fixed Rate		$500		2.20%		2.22%
IRA - 18 Month Fixed Rate		$500		2.20%		2.22%
IRA - 30 Month Fixed Rate		$500		2.23%		2.25%
IRA - 12 Month Variable Rateb		$100		2.20%		2.22%
IRA - 18 Month Variable Rateb		$100		2.20%		2.22%
IRA - 30 Month Variable Rateb		$100		2.23%		2.25%

Information current as of:  05/05/2008

a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of the publication date.
For current rate information call (775) 753-3800.