IRA / HSA DEPOSIT PRODUCTS

                     Effective Date: September 4, 2008

INDIVIDUAL RETIREMENT ACOUNTS:

Products:

• Traditional IRA or Roth IRA Available
• Savings IRA: 4.00% (2008 Interest Rate)        APY: 4.07%
• One Year CD IRA: 4.00%                                  APY: 4.07%
• Two Year CD IRA: 4.00%                                  APY: 4.07%

Features:

• Monthly compounded interest
• Monthly interest crediting
• $500.00 minimum deposit to open CD IRA
• $500.00 minimum balance for CD IRA to obtain APY
• $100.00 minimum deposit to open Savings IRA, $25.00 minimum contributions
• $100.00 minimum balance for Savings IRA to obtain APY
• $50.00 minimum withdrawal
• $25.00 annual custodial fee
• $25.00 closing fee
• No interest penalties on withdrawals for clients age 59.5 and older

HEALTH SAVINGS ACOUNTS:

Products:

• HSA Checking: 3.00% interest rate APY: 3.04%

Features:

• Check writing privileges
• Debit cards available
• Monthly compounded interest
• Monthly interest crediting
• $100.00 minimum deposit to open
• $100.00 minimum balance to obtain APY
• $25.00 minimum ongoing contributions
• $25.00 annual custodial fee
• $25.00 closing fee
• No fees for distributions