Harvest Community Bank - www.harvestcommunitybank.com

Deposit Rates

Program	Minimum Balance to obtain APY*	Annual Interest Percentage
		Rate	APY*
Harvest Interest Checking**	$400/$200	.60%	.60%
Harvest 50*		.60%	.60%
Golden Harvest Account*		.85%	.85%
Passbook Savings*	$50	1.01%	1.01%
Smart Savers Account*	$1	1.01%	1.01%
Statement Savings**	$50	1.01%	1.01%
Holiday Passbook Account,**	$5	1.25%	1.25%
Flexible Savings*	Tier 1 $500-$4,999.99	2.23%	2.25%
Flexible Savings*	Tier 2 $5,000-$24,999.99	2.37%	2.40%
Flexible Savings*	Tier 3 $25,000 – $499,999.99	2.47%	2.50%
Flexible Savings*	Tier 4 $500,000 – $999,999.99	2.52%	2.55%
Flexible Savings*	Tier 5 $1,000,000 – above	2.57%	2.60%
Business Money Market**	$1,000	.85%	.85%
Certificate of Deposit***	3 Months	3.10%	3.15%
Certificate of Deposit***	6 Months	3.05%	3.10%
Certificate of Deposit***	9 Months	3.00%	3.05%
Certificate of Deposit***	12 Months	2.96%	3.00%
Certificate of Deposit***	14 Months	2.91%	2.95%
Certificate of Deposit***	18 Months	2.86%	2.90%
Certificate of Deposit***	24 Months	2.63%	2.66%
Certificate of Deposit***	30 Months	2.57%	2.60%
Certificate of Deposit***	36 Months	2.52%	2.55%
Certificate of Deposit***	48 Months	2.47%	2.50%
Certificate of Deposit***	60 Months	2.42%	2.45%

APY* denotes Annual Percentage Yield

Minimum balance to obtain APY* on all Certificates of Deposit is $500

* Interest Rate may vary.

** Interest Rate may vary and fees may reduce earnings.

*** Penalty for each early withdrawal will apply.

Member FDIC

Rates as of 03/19/2008