Community Financial

Schedule
as of 11/3/08

Loan Rates

Please review our savings disclosures.

	Last Dividend Declaration Date	Rate	Annual Percentage Yield (APY)	Minimum Balance to Open
Primary Shares	10/31/08	1.60	1.61	$5.00
Sub Shares	10/31/08	1.20	1.21	$1.00
IRA Shares	10/31/08	3.20	3.25	$0.00
Holiday Club	10/31/08	2.50	2.53	$0.00

Dividends are paid monthly. Daily balance of $100 or more required to earn dividends.

Checking

10/31/08

0.25

$100.00

Dividends are paid monthly. $1,000 average daily balance required to earn dividends.

Investment Savings

Tier 1
$2,500 - $9,999.99

11/1/08

1.75

1.77

$2,500.00

Dividends are paid monthly. Daily balance of $2,500 - $9,999.99 required to earn stated APY.

Tier 2
$10,000 - $24,999.99

11/1/08

2.05

2.07

$10,000.00

Dividends are paid monthly. Daily balance of $10,000 - $24,999.99 required to earn stated APY.

Tier 3
$25,000 or more

11/1/08

2.15

2.17

$25,000.00

Dividends are paid monthly. Daily balance of $25,000 or more required to earn stated APY.

You Name It Account

Tier 1
$0 - $499.99

10/31/08

1.50

1.51

$0.00

Dividends are paid monthly. Daily balance of $0 - $499.99 required to earn stated APY. Early withdrawal on shares will be subject to the greater of 90 days dividends or $10, whether earned or not.

Tier 2
$500.00 or more

10/31/08

2.50

2.53

$0.00

Dividends are paid monthly. Daily balance of $500 or more required to earn stated APY. Early withdrawal on shares will be subject to the greater of 90 days dividends or $10, whether earned or not.

Certificates of Deposit

	Rate	Annual Percentage Yield (APY)	Minimum Balance to Open	Interest Period Used to Calculate Penalty on Balance
3 month	2.50	2.53	$1,000.00	30 days
6 month	2.75	2.78	$1,000.00	60 days
9 month	2.75	2.78	$1,000.00	90 days
12 month	2.50	2.53	$500.00	120 days
12 month	3.00	3.04	$1,000.00	120 days
24 month	3.25	3.30	$1,000.00	120 days

Dividends are paid monthly. The stated minimum balances are required to earn dividends.

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