Product   Richard's Rate   Bank's Rate 1 Year Closed   5.0   6.95 2 Year Closed   5.85   7.0 3 Year Closed   5.85   7.0 4 Year Closed   5.69   6.85 5 Year Closed   5.55   6.99 7 Year Closed   6.15   7.40 10 Year Closed   6.40   7.75 Variable Rate   Prime - .75   Prime Rate 4.75 5 Year Open Mortgage   Prime - .75   Prime rate 4.75 Rates  as o April 30 2008                     Rates are subject to change. O.A.C. 120 Day Rate Hold.                                               25,30,35, and 40 Year Amortizations available.

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