Loan Annual Percentage Rates

(Rates are effective 02/01/08 and are subject to change.)

Loan Categories	APR** As Low As
New Auto/Truck/Van	5.00%*
Used Auto/Truck/Van	6.00%*
New Boat & Recreational Vehicle	5.50%*
Used Boat & Recreational Vehicle	6.50%*
New Motorcycle	7.00%*
Used Motorcycle	8.00%*
Publix Stock (60%)	5.00% for 84 months
Publix Stock (80%)	7.00% for 144 months
Publix Stock (Single Payment 90 days)	6.00%
Publix Stock Purchase	7.50% for 48 months
Visa Classic Credit Card	10.9%
Visa Gold Credit Card	10.5%
Visa Platinum Credit Card	9.9%
New Mobile Home	12.00%
Share Secured	4.00% for 60 months
Certificate Secured	Contact Loan Dept. for Rate
Co-Maker	18.00%
Signature Loan	12.75%*
Charge Account Payoff	16.00%
New Furniture & Appliance	12.50%*
Home Improvement	11.00%
New Personal Computer	7.00%*
*Rate will vary based on your credit score.

 **Annual Percentage Rate.  Rate is subject to change.

 Mortgage Rates
As of May 06, 2008

(SUBJECT TO CREDIT APPROVAL - RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE -
CONTACT MORTGAGE DEPARTMENT)

First Mortgage Loans- The rates are displayed for conforming loan programs
and are based on a $150,000 Loan Amount with 20% down/equity

Second Mortgage and Property Loans- The rates are displayed for conforming
loan programs and are based on a loan amount of $10,000.00

LOAN CATEGORY	RATE/APR
RATES QUOTED WITHOUT POINTS
1st Mortgage
30YR FIXED	6.13% / 6.169%
20YR FIXED	5.88% / 5.966%
15YR FIXED	5.50% / 5.607%
Adjustable Rate
1% Yr 4% Life Cap ALL TERMS	6.25% / 7.935%
2nd Mortgage
3 YR FIXED	6.50% / 6.50%
5 YR FIXED	7.50% / 7.50%
10 YR FIXED	8.25% / 8.25%
15 YR FIXED	8.50% / 8.50%
Property
3YR ARM-12YR TERM	10.00% / 10.314%