Rates Effective as of 11/13/2008 Money Market Accounts APY*     Personal MM 2.00%  (2.02%)     Business MM 0.75%  (0.75%)     Golden Youth 1.20%  (1.20%)   Savings Accounts APY*     Regular Savings 1.18%  (1.19%)     Student Savings 1.18%  (1.19%)   Certificates of Deposit    (Personal and Business) APY*     3 Month 3.00%  (3.04%)     6 Month 3.50%  (3.56%)     9 Month 3.50%  (3.56%)     12 Month 4.00%  (4.08%)     18 Month 4.00%  (4.08%)     24 Month 4.35%  (4.44%)     36 Month 4.25%  (4.34%)     48 Month 4.25%  (4.34%)     60 Month 4.95%  (5.07%)   IRA APY*     6 Month 3.50%  (3.56%)     9 Month 3.50%  (3.56%)     12 Month 4.00%  (4.08%)     18 Month 4.00%  (4.08%)     24 Month 4.35%  (4.44%)     36 Month 4.25%  (4.34%)     48 Month 4.25%  (4.34%)     60 Month 4.95%  (5.07%)   * = Annual Percentage Yield