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Spring Valley City Bank Rate Sheet
CDs & Interest Bearing Accounts
Date Effective: June 21, 2008 to July 1, 2008

Type
Minimum Deposit to Open Account Annual Percentage Yield Interest Rate Compounding
91 Day CD
$1,000.00
1.51% 1.50% P Simple

182 Day CD $1,000.00 2.62% 2.60% P Simple

1 Year CD $1,000.00 2.83% 2.80% P Daily
15 Month CD                                         $1,000.00                2.88%                    2.85%P                          Daily
18 Month CD $1,000.00 2.98%  2.95% P Daily

2 Year CD $1,000.00 3.15% 3.10% P Daily
25 Month CD                                         $1,000.00                3.15%                    3.10% P                         Daily
30 Month CD $1,000.00 3.15% 3.10% P Daily

3 Year CD $1,000.00 3.15% 3.10% P Daily

42 Month CD $1,000.00 3.15% 3.10% P Daily

Money Market $2,500.00
Balance of $2,500.00
1.11%
1.10% V,F
Monthly
Less than $2,500.00
0.35% 0.35%

Super NOW $2,500.00
Balance of $2,500.00
0.85% 0.85% V,F Monthly
Less than $2,500.00
0.10% 0.10%

Personal NOW $750.00
Balance of $750.00
0.50% 0.50% V,F Daily

Non-Personal NOW $1,000.00 0.50% 0.50% V,F Daily

Savings Accounts $50.00 1.01% 1.00% V,F Daily

18 Month IRA
(Variable)
$1,000.00 3.41% 3.35% P,V Daily

Interest paid on daily balance (the amount of principal in the account each day)
Fixed-Rate IRA CDs available with terms one year or longer - rates as quoted above
P - Penalty for Early Withdrawal
V- Rate may change after account is opened
F- Fees may reduce earnings
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