CERTIFICATE OF DEPOSIT RATES (CD RATES ARE COMPOUNDED DAILY) Rates effective as of July 3, 2008 and subject to change without notice. TERMS MINIMUM BALANCE STATED RATE   ANNUAL   PERCENTAGE YIELD (APY) 91 Days $1,000.00 1.780% 1.800% 182 Days $1,000.00 2.030% 2.050% 12 Months $500.00 2.240% 2.270% 18 Months $500.00 2.350% 2.380% 24 Months $500.00 2.420% 2.450% 30 Months $500.00 2.490% 2.520% 36 Months $500.00 2.750% 2.790% 48 Months $500.00 2.900% 2.940% 60 Months $500.00 3.100% 3.100%   IRA Current Rates  ($500.00 MINIMUM BALANCE REQUIRED)   Rates effective as of July 3, 2008 and subject to change without notice. TERMS STATED RATE ANNUAL PERCENTAGE YIELD (APY) 18 Months 2.350% 2.380% 30 Months 2.490% 2.520% 60 Months 3.100% 3.150% 84 Months 3.100% 3.150% 120 Months 3.100% 3.150%    PRESTIGE MONEY MARKET CHECKING ACCOUNT & PRESTIGE SAVINGS ACCOUNT   Rates effective as of July 3, 2008 and subject to change without notice. BALANCE STATED RATE ANNUAL PERCENTAGE YIELD (APY)             Under $10,000 0.450% 0.450%          $10,000 - $24,999 0.650% 0.650%          $25,000 and Up 1.090% 1.100% Prestige Savings:                         $3.00 Per Month Charge if Balance is Below $300.00. Prestige Money Market Checking: $10.00 Per Month Charge if Balance is Below $1,000.00.   PEOPLES PRESTIGE CHECKING ACCOUNT   Rates effective as of July 3, 2008 and subject to change without notice. BALANCE STATED RATE ANNUAL PERCENTAGE YIELD (APY)          $1,000 -  $7,500 0.250% 0.250%          $7,501 - $15,000 0.400% 0.400%        $15,001 - $25,000 0.600% 0.600%        $25,001 and Up 0.900% 0.900% $10.00 Per Month Charge if Balance is Below $1,000.00 per Statement Cycle      INDEX MONEY MARKET SAVINGS ACCOUNT  (Savings rates are compounded daily)  Rates effective as of July 3, 2008 and subject to change without notice. BALANCE STATED RATE ANNUAL PERCENTAGE YIELD (APY) $0 - $15,000 0.500% 0.500% Over $15,000   1.240% 1.250%   BUSINESS SAVINGS ($5,000.00)   Rates effective as of July 3, 2008, Rates subject to change without notice. BALANCE STATED RATE ANNUAL PERCENTAGE YIELD (APY) )                Under $5,000.00 0.250% 0.250%                $5,000 - $15,000 0.500% 0.500%              $15.000 - $30,000 0.750% 0.750%              $30,000 - $100,000 1.000% 1.000% $100,000 - $250,00 1.240% 1.250%                Over $250,000 1.490% 1.500% $5.00 per Month Fee; $10.00 Per Month Fee fi Notices are Requested       BASIC SAVINGS ACCOUNT   Rates effective as of July 3, 2008 and subject to change without notice. BALANCE STATED RATE ANNUAL PERCENTAGE YIELD (APY) Over $25.00 0.500% 0.500% Savings rates are compounded daily