July 8, 2008

Deposit Rates

NOW Account, Money Market and Savings Rates

Rates As Of: May 30, 2008

 Account Type  From  To  Interest Rate  APY
Traditional & College Checking  $0  $999  N/A  N/A
NOW Accounts  $0  $2,499  0.05%  0.05%
   $2,500  $24,999  0.05%  0.05%
   $25,000  $49,999  0.10%  0.10%
Super NOW Accounts $50,000 ABOVE  0.15%  0.15%
Money Market $0 $999  0.10%  0.10%
$1,000 $9,999  0.10%  0.10%
$10,000 $24,999  0.15%  0.15%
$25,000 $49,999  0.20%  0.20%
$50,000 ABOVE  0.25%

 0.25%
Savings $0 $24,999  1.75%  1.76%
$25,000 $49,999  2.25%  2.27%
$50,000 ABOVE  2.50%  2.53%
Junior Savers Club $1 ABOVE  0.25%  0.25%

Fixed Rate Certificates of Deposit

Rates As Of: May 30, 2008

 Regular Rate        
 Term  From  To  Interest Rate  APY
3 Months $1,000 $99,999  0.50%  0.50%
6 Months $1,000 $99,999  1.49%  1.50%
9 Months $1,000 $99,999  2.72%  2.75%
12 Months $1,000 $99,999  3.78%  3.85%
18 Months $1,000 $99,999  3.45%  3.50%
24 Months $1,000 $99,999  3.93%  4.00%
30 Months $1,000 $99,999  3.93%  4.00%
36 Months $1,000 $99,999  3.93%  4.00%
48 Months $1,000 $99,999  3.93%  4.00%
60 Months $1,000 $99,999  3.93%  4.00%

Founders Fixed Rate Certificates of Deposit

Rates As Of: May 30, 2008

 Regular Rate        
 Term  From  To  Interest Rate  APY
3 Months $1,000 $99,999  0.62%  0.63%
6 Months $1,000 $99,999  1.61%  1.63%
9 Months $1,000 $99,999  2.84%  2.88%
12 Months $1,000 $99,999  3.90%  3.98%
18 Months $1,000 $99,999  3.57%  3.63%
24 Months $1,000 $99,999  4.05%  4.13%
30 Months $1,000 $99,999  4.05%  4.13%
36 Months $1,000 $99,999  4.05%  4.13%
48 Months $1,000 $99,999  4.05%  4.13%
60 Months $1,000 $99,999  4.05%  4.13%

Jumbo Fixed Rate Certificates of Deposit

Rates As Of: May 30, 2008

 Regular Rate        
 Term  From  To  Interest Rate  APY
3 Months $100,000+  1.24%  1.25%
6 Months $100,000+  1.49%  1.50%
12 Months $100,000+  3.78%  3.85%

Listed above are Interest Rates and Annual Percentage Yields (APY) accurate as of the date listed above. We may impose a penalty if you withdraw any of the deposited funds before the maturity date of the Certificate of Deposit. The minimum balance required to open a Certificate of Deposit is $1,000.00 unless otherwise stated. Rates shown above are subject to change. Fees may reduce earnings. Please call a personal banker for additional information.

For current rate information call (773) 239-2265