VARIABLE RATE ACCOUNTS**

I.R.A. - Tax Deductible Deposits    2.50%     2.52%       Quarterly

Tax Year	Contribution Limit	Age 50 and Over Limit
2008	$5,000	$6,000
2009 and After	$5,000 + Cost Of Living Adj.	$6,000 + COLA

Interest on high money market rates is tax deferred.
(No commissions or fees to pay)

SUBSTANTIAL PENALTY REQUIRED FOR EARLY WITHDRAWAL
OF ANY OF THE ABOVE PLANS
****

	Interest Rate	APY*	Compounds
Savings Account ($20.00 minimum to open account)	.50%	.50%	Quarterly
NOW Checking Account ($1,000.00 minimum to open account)	.15%	.15%	Monthly
Super NOW Checking Account ($2,500.00 minimum to open account)	.40%	.40%	Monthly
Money Market Deposit Account ($2,500.00 minimum to open account)	.80%	.80%	Monthly
NEW First Rate Premium Money Market Account ($2,500.00 minimum to open account)
$0.00 - $24,999.99. . . . . . . $25,000.00 - $49,999.99. . . . . . . $50,000.00 - $99,999.99. . . . . . . $100,000.00 & above. . . . . . .	.80% 1.50% 2.00% 2.30%	.80% 1.51% 2.02% 2.32%	Monthly Monthly Monthly Monthly

*   APY is Annual Percentage Yield.
** Rates may change after the account is opened. Fees may reduce earnings.