Hamilton Federal Savings Bank

IRA/ROTH CERTIFICATES

Effective as of July 23 , 2008

Account Type	Minimum Deposit to Open Account	Minimum Balance to obtain APY	APY	Interest Rate
* 18 Month Variable IRA	$100.00	$100.00	2.89%	2.85%
18 Month IRA	$500.00	$250.00	3.15%	3.10%
30 Month IRA	$1,000.00	$250.00	3.35%	3.30%
60 Month IRA	$2,000.00	$250.00	4.29%	4.20%

* 18 MONTH VARIABLE RATE IRA/ROTH - THE RATE MAY CHANGE AFTER THE ACCOUNT IS OPENED.

EARLY WITHDRAWAL PENALTIES APPLY.

IRA/ROTH SAVINGS

Account Type	Minimum Deposit to Open Account	Minimum Balance to obtain APY	APY	Interest Rate
* IRA SAVINGS	$100	$100.00-$1,499.99	.65%	.65%
		$1,500-$9.999.99	2.12%	2.10%
		$10,000-$49,999.99	2.38%	2.35%
		$50,000 and above	2.63%	2.60%

* VARIABLE RATE ACCOUNT - THE RATE MAY CHANGE AFTER THE ACCOUNT IS OPENED.