Interest Rates

Effective August 22, 2008 - Rates subject to change

Personal Checking Accounts

Product Type	Rate	APY
Smart Checking	4.42%	4.51%
Wise Checking	0.15%	0.15%
Sharp Checking	0.15%	0.15%
Sound Checking	0.20%	0.20%

Certificates of Deposits

Product Type	Rate	APY
30 Day Certificate of Deposit	1.65%	1.66%
90 Day Certificate of Deposit	2.25%	2.27%
182 Day Certificate of Deposit	2.50%	2.52%
12 Month Flex Certificate of Deposit	3.00%	3.03%
15 Month Step Up Certificate of Deposit Special	4.00%	4.06%
18 Month Certificate of Deposit	2.90%	2.93%
24 Month Certificate of Deposit	3.14%	3.18%
36 Month Certificate of Deposit	3.66%	3.71%
36 Month Step Up Certificate of Deposit Special	3.66%	3.71%
48 Month Certificate of Deposit	3.49%	3.54%
60 Month Certificate of Deposit	3.10%	3.14%
9 Month Certificate of Deposit	2.60%	2.61%
10 Month Step Up Certificate of Deposit (No Longer Offered)	1.90%	1.90%
Please call (479) 444-4444 for Jumbo CD Rates over $100,000

Individual Retirement Accounts

Product Type	Rate	APY
30 Day IRA	1.55%	1.56%
12 Month IRA	2.90%	2.93%
Grow IRA 12 Month Variable	1.43%	1.44%
18 Month Variable IRA	1.18%	1.19%
18 Month Fixed IRA	2.80%	2.83%
24 Month IRA	3.14%	3.18%
36 Month IRA	3.56%	3.61%
60 Month IRA	3.00%	3.03%

Money Market Accounts

Product Type	Rate	APY
Bright Money Market
Daily Balances of $0-$9,999.99	0.45%	0.45%
Daily Balances of $10,000-$24,999.99	1.30%	1.31%
Daily Balances of $25,000-$49,999.99	1.40%	1.41%
Daily Balances of $50,000-$99,999.99	1.50%	1.51%
Daily Balances of $100,000 and over	1.60%	1.61%
Clear Money Market
$0-$99,999	1.60%	1.61%
$100,000-$249,999	2.30%	2.32%
$250,000-$499,999	2.40%	2.43%
$500,000 and over	2.50%	2.53%

Personal Savings Accounts

Product Type	Rate	APY
Sure Savings	0.25%	0.25%
Smarty Pants Savings	0.25%	0.25%
Health Savings Accounts
Up to $2,999	0.15%	0.15%
$3,000 to $9,999	0.25%	0.25%
$10,000 and over	0.30%	0.30%

*Annual Percentage Yield(APY) and interest rates are current as of August 22, 2008.

Rates are subject to change at any time.  Fees could reduce earnings on the account.

$500 minimum required to open Certificates of Deposits.  Early withdrawal penalties may be imposed on CD's.