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Deposit Rates

| Checking Accounts |Money Market Accounts |Savings Accounts | HSA's | CD's & IRA's |

Rates and Annual Percentage Yields (APY) as of December 19, 2008 are not guaranteed and are subject to change without notice.

Checking Accounts

Account Type	Minimum*	Interest Rate	APY**
Completely Free Checking	No minimum	No interest	No interest
Direct Free Checking with Interest	No minimum	.19%	.20%
50+ Free Checking with Interest	No minimum	.19%	.20%
High Interest Checking	$  1,500.00	.75%	.75%

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Money Market Accounts

Account Type	Minimum*	Interest Rate	APY**
Money Market	$  500.00	1.00%	1.00%

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Savings Account

Term	Minimum*	Interest Rate	APY**
No Term	$100.00	.25%	.25%

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Health Savings Accounts^

Account Type	Minimum*	Interest Rate	APY**
No Term	$100.00	1.49%	1.50%

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Certificate of Deposit & IRA's

Term	Minimum*	Interest Rate	APY**
3 Month	$500.00	1.00%	1.00%
6 Month	$500.00	1.24%	1.25%
9 Month	$500.00	1.49%	1.50%
12 Month	$500.00	1.74%	1.75%
18 Month	$500.00	1.99%	2.00%
24 Month	$500.00	2.23%	2.25%
30 Month	$500.00	2.48%	2.50%
36 Month	$500.00	2.72%	2.75%
42 Month	$500.00	2.97%	3.00%
48 Month	$500.00	2.97%	3.00%
60 Month	$500.00	2.97%	3.00%

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All rates disclosed for customers with a West Gate Bank checking account with direct deposit of payroll or retirement benefits. Annual Percentage Yield (APY) will be .25% less without a West Gate Bank checking account unless otherwise noted. The APY may change on Savings, Interest Bearing Checking and Tiered Money Market Accounts after account opening. Fees could reduce earnings.

Penalty for early withdrawal may apply to Certificates of Deposit.

* Minimum = Minimum balance required to open an account. Annual Percentage Yield (APY) obtained on all balances.
** The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce the earnings and APY.
^ Rate disclosed is for customers with a West Gate Bank checking account with direct deposit. APY will be .50% less without a West Gate Bank checking account.

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
CALL (402) 434-3456 FOR CURRENT INFORMATION.