RESIDENTIAL MORTGAGE LOAN RATES

TYPE	TERM	RATE	APR	POINTS	DOWN PAYMENT
Conventional	15 or 30 Year Jumbo	call for	rate	0	0 (Qualification required)
Conventional	15 Years	5.875	5.984	0	0 (Qualification required)
Conventional	30 Years**	6.000	6.066	0	0 (Qualification required)
Conventional	40 Years	7.250	7.311	0	0 (Qualification required)
FHA/VA	30 Years	6.375	6.426	.500	0 (Qualification required)

APR based on $100,000 loan. Published Rates subject to change without notice. Some Restrictions may apply. First time home buyer program available.

**Reference Lending Page for example of payments.

 Rates for Residential Mortgage Loans effective as of 11/20/2008.

DEPOSIT RATES  TYPE MINIMUM APY  13-90 Day $2,500.00  2.250 91 Day $2,500.00  2.450 182 Day $1,000.00 2.700 12 Month $   500.00  2.790 18 Month  $   500.00  2.790 24 Month  $   500.00  3.100 Money Market $2,500.00  1.360  Now Account  $1,000.00   .800  PassbookSavings**  $   100.00  1.010

APY = Annual Percentage Yield.The minimum balance to open each account is shown to obtain the stated APY. APY assumes interest will not be withdrawn - A penalty may be imposed for early withdrawal on Certificates of Deposit. Published Rates subject to change without notice. Fees may reduce earnings. Rates on Money Market Deposit Account, Now Account and Savings Account can change after the account is opened. ** Minimum deposit of $100.00. May receive Interest on any amount. Effective Date 11-18-08 through 11-24-08