August 19, 2008

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer. Account Product Name Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield Hometown Banking Plus (b) None $1,000.00 (c) .30% .30% Hometown Banking (b) $200.00 $1,000.00 (c) .30% .30% Union Gold Club Plus (b) None $1,000.00 (c) .30% .30% Interest Checking (b) None None .30% .30% Money Market Investment (b) Daily Balances of: up to $2,499.99 $2,500 - $9,999.99 $10,000.00 and up $1,000.00 None .40% .60% .80% .40% .60% .80% Money Market Plus (b) Daily Balances of: up to $14,999.99 $15,000 - $24,999.99 $25,000.00 and up $25,000.00 None     .40% 1.54% 1.74%     .40% 1.55%1.75% Money Market Elite (b) Daily Balances of: up to $9,999.99 $10,000 - $49,999.99 $50,000.00 and up $50,000.00 None     .40% .80% 1.98%     .40% .80% 2.00% Health Savings Accounts (b) Daily Balances of: $1,000 to $4,999.99 $5,000 and up None $1,000.00 (c)           .30% 1.74%           .30% 1.75% Variable Rate Savings (b) None None .30% .30% Kids Club (b) $10.00 None .30% .30% Christmas Club (b) None None .30% .30% Six Month Certificate of Deposit (a) $2,500.00 None 2.29% 2.30% One Year Certificate of Deposit (a) $1,000.00 None 2.63% 2.65% Two Year Certificate of Deposit (a) $1,000.00 None 2.98% 3.00% Three Year Certificate of Deposit (a) $1,000.00 None 3.47% 3.50% Four Year Certificate of Deposit (a) $1,000.00 None 3.57% 3.60% Five Year Certificate of Deposit (a) $1,000.00 None 3.67% 3.70%

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of August 19, 2008.
For current rate information call (920)-388-3466