Interest rates effective November 14, 2008. Rates are updated every Friday and are subject to change daily. Call 972-391-6811 for additional information.

JUMBO CERTIFICATE OF DEPOSIT $100,000 or more Minimum Opening Deposit
Term	Annual Percentage Yield
14--29 Days	2.35%
30--59 Days	2.40%
60--89 Days	2.45%
90--119 Days	2.50%
120--149 Days	2.55%
150--179 Days	2.60%
180--209 Days	2.65%
210--269 Days	2.80%
270--364 Days	3.05%
1 Year	3.55%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

MINI-JUMBO CERTIFICATE OF DEPOSIT $50,000 - $99,999.99 Minimum Opening Deposit
Term	Annual Percentage Yield
14--29 Days	2.25%
30--59 Days	2.30%
60--89 Days	2.35%
90--119 Days	2.40%
120--149 Days	2.45%
150--179 Days	2.50%
180--209 Days	2.55%
210--269 Days	2.70%
270--364 Days	2.95%
1 Year	3.45%
2 Years	3.95%
3 Years	4.05%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

CONSUMER CERTIFICATE OF DEPOSIT $1,000 Minimum Opening Deposit
Term	Annual Percentage Yield
32--89 Days	2.21%
90--179 Days	2.35%
180-364 Days	2.60%
Months 12 thru 17	3.35%
Months 18 thru 29	3.85%
Months 30 thru 42	3.95%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

PROMOTIONAL CERTIFICATE OF DEPOSIT $1,000 Minimum Opening Deposit
Term	Annual Percentage Yield
9 Months	2.75%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

TRIPLE BONUS CERTIFICATE OF DEPOSIT $5,000 Minimum Opening Deposit
Term	Annual Percentage Yield
19 Month CD	2.80%
30 Month CD	3.00%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

TRIPLE BONUS PLUS CERTIFICATE OF DEPOSIT $25,000 Minimum Opening Deposit
Term	Annual Percentage Yield
12 Month CD	2.80%
24 Month CD	2.95%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

INDIVIDUAL RETIREMENT ACCOUNT CERTIFICATE OF DEPOSIT $100 Minimum Opening Deposit
Term	Annual Percentage Yield
Fixed Rate IRA
18 Month	2.80%
30 Month	3.05%
Variable Rate IRA - Rate may change after the account is open
18 Month	2.55%
30 Month	2.80%
The stated Annual Percentage Yield (APY) assumes no withdrawal of interest or principal during the term of the Certificate of Deposit (CD). Substantial penalty for early withdrawal.

MONEY MARKET ACCOUNT $100 Minimum Opening Account
	Annual Percentage Yield
$.01 to $9,999.99	00.45%
$10,000 to $49,999.99	1.05%
$50,000 to $499,999.99	1.65%
$500,000 to $999,999.99	1.95%
$1,000,000 and above	2.25%
Fees could reduce the earnings on the account. Rates may change after the account is open.

SAVINGS ACCOUNT $100 Minimum Opening Deposit

Annual Percentage Yield

.45%

Fees could reduce the earnings on the account. Rates may change after the account is open. There are no minimum balance requirements to obtain the Annual Percentage Yield.