Rates Effective as of May 5, 2008

Personal Checking Accounts
Account Type	Tiers	Rate	APY*
Interest Checking	$0 - 999	0.400	.40%
SouthEast 50	$1,000 - 9,999	0.450	.45%
	$10,000 - 24,999	0.650	.65%
	$25,000 +	1.000	1.00%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the account.
Minimum to open account $100

Business Checking Accounts
Account Type	Tiers	Rate	APY*
Business Interest	$0 - 999	0.400	.40%
	$1,000 - 9,999	0.450	.45%
	$10,000 - 24,999	0.600	.60%
	$25,000 +	0.750	.75%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the account.
Minimum to open account $100

Money Market Accounts
Account Type	Tiers	Rate	APY*
Personal Money Mkt.	$0 - 2,499	1.000	1.00%
Business Money Mkt.	$2,500 - 9,999	1.050	1.05%
	$10,000 - 49,999	1.535	1.55%
	$50,000 - 99,999	1.980	2.00%
	$100,000 +	2.225	2.25%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the account.
Minimum to open account $100

Savings Accounts
Account Type	Rate	APY*
Personal Savings	1.099	1.10%
Business Savings	1.099	1.10%
Christmas Club	2.997	3%
Health Savings Account	1.099	1.10%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the account.
Minimum to open account $100

Certificates of Deposit**
Account Type	Rate	APY*
30 - 89 Days	1.600	1.61%
3 Month	1.700	1.71%
6 Month	2.000	2.01%
12 Month	2.150	2.17%
18 Month	2.350	2.37%
24 Month	2.620	2.65%
36 Month	3.060	3.10%
48 Month	3.355	3.40%
60 Month	3.605	3.65%
MMIRA	1.930	1.95%
TDOA IRA	1.930	1.95%
15 Month Special	3.250	3.29%

*Annual Percentage Yield
**Substantial penalty required for early withdrawal.
Minimum to open account $1000