Rates Effective as of April 6, 2005

Checking
Type	Balance Required	Interest Rate	Compounding	Annual Percentage Yield
NOW Checking	$0	0.60%	Monthly	0.60%

Savings
Type	Balance Required	Interest Rate	Compounding	Annual Percentage Yield
Regular Savings	$0	0.85%	Daily	0.85%
Money Market Deposit Acct.	$9,999 or less	1.00%	Monthly	1.00%
Money Market Deposit Acct.	$10,000 - $24,999	1.20%	Monthly	1.21%
Money Market Deposit Acct.	$25,000 - $74,999	1.40%	Monthly	1.41%
Money Market Deposit Acct.	$75,000 or more	1.60%	Monthly	1.61%

Certificates of Deposit
Type	Balance Required	Interest Rate	Compounding	Annual Percentage Yield
7-31 Days	(min. of $2,500)	1.40%	Interest at Maturity	1.41%
3 Months	(min. of $2,500)	1.50%	Interest at Maturity	1.51%
6 Months	$2,500 - 9,999	2.00%	Interest at Maturity	2.01%
6 Months	$10,000 - $24,999	2.10%	Interest at Maturity	2.11%
6 Months	$25,000 - $99,999	2.25%	Interest at Maturity	2.26%
12 Months	$500 - $9,999	2.40%	Quarterly	2.42%
12 Months	$10,000 - $99,999	2.65%	Quarterly	2.68%
24 Months	$500 - $9,999	3.35%	Quarterly	3.39%
24 Months	$10,000 - $99,999	3.60%	Quarterly	3.65%
36 Months	$500 - $9,999	3.55%	Quarterly	3.60%
36 Months	$10,000 - $99,999	3.80%	Quarterly	3.85%
48 Months	$500 - $9,999	3.75%	Quarterly	3.80%
48 Months	$10,000 - $99,999	4.00%	Quarterly	4.06%

Substantial penalty for early withdrawal

Individual Retirement Accounts
Type	Balance Required	Interest Rate	Compounding	Annual Percentage Yield
12 Months	$500 - $9,999	2.40%	Quarterly	2.42%
12 Months	$10,000 - $99,999	2.65%	Quarterly	2.68%
24 Months	$500 - $9,999	3.35%	Quarterly	3.39%
24 Months	$10,000 - $99,999	3.60%	Quarterly	3.65%

Substantial penalty for early withdrawal

Open IRA's
Type	Balance Required	Interest Rate	Compounding	Annual Percentage Yield
24 Months	$100 - $9,999	3.04%	Quarterly	3.07%
24 Months	$10,000 - $99,999	3.29%	Quarterly	3.33%

Substantial penalty for early withdrawal