RATES

   DEPOSIT RATES

Rates Effective: November 17, 2008                           APY refers to Annual Percentage Yield.

Investments
Product	Minimum Deposit	Rate (%)	APY (%)
Certificate of Deposit
91 Day	$2,500	1.10	1.10
6 Month	$2,500	1.49	1.50
1 Year	$500	2.25	2.25
2 Year	$500	2.60	2.60
3 Year	$500	2.75	2.75
4 Year	$500	3.25	3.25
5 Year	$500	3.25	3.25
6 Year	$500	3.25	3.25
7 Year	$500	3.50	3.50
8 Year	$500	3.75	3.75
9 Year	$500	4.00	4.00
10 Year	$500	4.00	4.00
12 MONTH LIMITED TIME THANKSGIVING SPECIAL	$500.00	2.25	2.25
18 Month Money Market Certificate-Variable Rate Account
*18 Month	$500	1.40	1.40
*Rate may change after account is opened
A penalty may be imposed for early withdrawal
Minimum deposit is equal to minimum balance to obtain APY
CONTACT ANY BRANCH OFFICE FOR JUMBO CERTIFICATE RATE QUOTES
Premiere Moneymarket Fund
$1,000 - $9,999.99	N/A	1.00	1.00
$10,000 - $24,999.99	N/A	1.00	1.00
$25,000 - $49,999.99	N/A	1.00	1.00
$50,000 +	N/A	1.00	1.00
Other Savings & Checking Programs Available

Rates Effective:November 20, 2008                               APR refers to Annual Percentage Rate.

First Mortgage Loans Single Family, Owner Occupied Properties
Term	Loan Amount	Rate(%)	Fee(%)	APR(%)	Payment/$1,000
15 Yr Conforming	$0 - $417,000	5.50	0	5.560	$8.17
15 Yr Conforming	$0 - $417,000
15 Yr Jumbo	$417,001 - $650,000	7.00	0	7.064	$8.99
15 Yr Jumbo	$417,001- $650,000
30 Yr Conforming	$0 - $417,000	5.75	0	5.787	$5.84
30 Yr Conforming	$0 - $417,000
30 Yr Jumbo	$417,001 - $650,000	7.50	0	7.542	$6.99
30 Yr Jumbo	$417,001 - $650,000
1/1 ARM	$0 - $417,000	5.75	0	7.58	$5.84
1/1 ARM	$0 - $417,000
3/1 ARM	$0 - $417,000	6.375	0	6.87	$6.24
3/1 ARM	$0 - $417,000
5/1 ARM	$0 - $417,000	6.625	0	6.88	$6.40
5/1 ARM	$0 - $417,000
7/23 ARM	$0 - $417,000	6.50	0	6.77	$6.32
7/23 ARM	$0 - $417,000
10/1 ARM	$0 - $417,000	6.50	0	6.54	$6.32
10/1 ARM	$0 - $417,000
Jumbo APR Rates are available, please contact the Loan Division for terms and conditions.
All APR's and monthly payments identified above assume a transaction with a $417,000 loan at the fee and term identified.
If the term is not identified, a 30 year term is assumed.
$445 Application Fee (non-refundable)

Home Equity Loans HOME EQUITY RATES QUOTED ARE FOR LOAN AMOUNTS $25,000 AND UP. CONTACT LOAN DIVISION FOR RATES ON LOAN AMOUNTS $5,000-$24,999 724-935-7400
Type	LTV Ratio	Term	Rate(%)	APR(%)	Payment/$1,000
Fixed Home Equity	Up to 80%	36 mos	5.75	6.05	$30.31
		60 mos	6.00	6.19	$19.33
		84 mos	6.125	6.26	$14.67
		120 mos	6.125	6.23	$11.16
		180 mos	6.25	6.32	$8.57
	81% to 90%	36 mos	6.75	7.08	$30.76
		60 mos	7.00	7.21	$19.80
		84 mos	7.125	7.28	$15.15
		120 mos	7.125	7.24	$11.68
		180 mos	7.25	7.33	$9.13
	91% to 100%	36 mos	7.75	8.11	$31.22
		60 mos	8.00	8.23	$20.28
		84 mos	8.125	8.29	$15.65
		120 mos	8.125	8.25	$12.20
		180 mos	8.25	8.34	$9.70
All APR's identified above assume a transaction with a $50,000 loan at the term identified.
Fixed Home Equity Rate displayed reflects the discount of 1/4% when the loan payment is automatically transferred from a West View Savings Bank checking account.Rates are for $50,000 and above.
ALL CLOSED-END HOME EQUITY LOAN DOCUMENT PREPARATION FEES ARE CURRENTLY WAIVED ON LOANS $25,000 OR MORE.

Home Equity Line Of Credit Loans
Type	LTV Ratio		Reg. Rate*	Payment/$5000
Equity Line of Credit	Up to 80%	4.00*	Prime	$66.67*
	81% to 90%	5.00*	Prime + 1.0%	$70.84*
Payments charged are 1% of principal balance, plus interest.
*Line of Credit Rate displayed reflects the discount of 1/4% when the loan payment is automatically transferred from a West View Savings Bank Checking Account.
Index used is the prime rate as displayed in the Wall Street Journal. The loan will have a semi-annual adjustment with a lifetime cap of up to 18%. No fixed rate conversion option. Monthly payment is 1% of outstanding principal plus interest.
Annual maintenance fee is $25.00 for LTV Ratio up to 80%. Maintenance fee of $35.00 for LTV ratio's in excess of 80% to 90%.
DOCUMENT PREPARATION FEE
	< $25,000	$75.00
	$25,000 or Larger	$0.00

Automobile Loans
Type			Term	APR(%)	Payment/$1,000
New Automobile			36 mos	6.125	$30.48
New Automobile			48 mos	6.250	$23.60
New Automobile			60 mos	6.500	$19.57
Used 2006-2005			36 mos	7.000	$30.76
Used 2006-2005			48 mos	7.250	$24.06
Used 2006-2005			60 mos	7.500	$20.04
Used 2004-2003			36 mos	7.250	$30.99
Used 2004-2003			48 mos	7.500	$24.18
Used 2002-2001			36 mos	8.000	$31.34
All automobile loans require 10% down payment prior to tax and title costs. $35.00 application fee (non-refundable).
Automobile Loan Rates displayed reflect the discount of 1/4% when the loan payment is automatically transferred from a West View Savings Bank checking account.

Personal Unsecured Loans
Type		Term	Rate(%)	APR(%)	Payment/$2,000
Fixed-Closed End		24 mos	13.750	17.41	$47.90
Adjustable -Open End		N/A	Prime + 6.0	10.00*	$100.00
The minimum and maximum loan amount range from $1,000 to $5,000.
*The Unsecured Loan Rates represent 1/4% rate reduction if payment is automatically withdrawn from West View Savings Bank checking account.
Index used for the Adjustable - Open End Loan is the Wall Street Journal prime rate as of the last business day each month.
The initial margin is 6.0% for the first six months, with adjustments monthly up to a lifetime cap of 18.0%. Monthly payment is 5.0% of the outstanding balance.
After six months, the minimum floor is 13.0%. The annual maintenance fee is $35.00.
$35.00 Application Fee (non-Refundable)