About site: Financial Services/Holding Companies - Central Kentucky Federal

About site: http://www.centralkyfsb.com/

Title: Financial Services/Holding Companies - Central Kentucky Federal Savings and loan holding company with subsidiary which performs savings and loan operations, mortgage banking and other related financial activities. (Nasdaq: CKFB).

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Century_BanCorp,_Inc_ Bank holding company with subsidiary which performs commercial banking operations, mortgage banking and other related financial activities. (Nasdaq: CNBKA). [more]

Century_Bancshares,_Inc_ Bank holding company with subsidiary which performs commercial banking operations and other related financial activities. (Nasdaq: CTRY). [more]

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Central Kentucky FederalA:hover {color: #008000; font-weight: bold} function popUpOut(url) { var delvar=false; delvar=window.confirm("When accessing outside vendors' websites by clicking on their icons or links, you will be officially leaving Central Kentucky Federal Savings Bank and its security protocols."); if (delvar==true) { sealWin=window.open(url,"win",'toolbar=0,location=0,directories=0,status=1,menubar=0,scrollbars=1,resizable=1'); self.name = "mainWin"; } }

DANVILLE, KY l LANCASTER, KY

ONLINE BANKING VOICEMASTER SERVICES DEPOSIT RATE SHEET MORTGAGE RATES ANNUAL 2007 REPORT* ANNUAL 2006 REPORT* MOST RECENT FINANCIAL DATA* PRIVACY STATEMENT * Adobe's Acrobat Reader is required to view these reports.

Our site is best viewed at a resolution of 1024x768 or higher. DOWNTOWN - 4TH & MAIN RIDGEFIELD BRANCH LANCASTER Mon.-Thurs: 8:30 a.m. - 4:00 p.m. Mon.-Thurs.: 9:00 a.m. - 4:30 p.m. Mon.-Thurs.: 9:00 a.m.-5:00 p.m. Fri.: 8:30 a.m. - 5:00 p.m. Fri.: 9:00 a.m. - 6:00 p.m. Fri.: 9:00 a.m. - 6:00 p.m. Sat.: closed Sat.: 9:00 a.m. - Noon Sat.: 9:00 a.m. - Noon

The executive offices of the Company and the Bank are located at340 West Main Street Danville, Kentucky 40422 Telephone: (859) 236-4181Fax: (859) 236-4363E-mail: /* %nrgh@%_qujkC(~Ckjuq__333/i.kjuIxgnIsuxl4mtoxzYC1~A>87C1i/6Bi.loA93/o."+"zGkjuIxgni4kjuqCi100\\\\/11oAnzmtkr4kjuqBoA6Co.xulA--C~Ab(100\\\\Fnmxt666b"+"b2l1nmxL{jqLvx{o7pwr{}\\\\\\\\F4100\\\\DA;:F4l29El1orD{@**>iru+l@3>l?nrgh1ohqjwk>l..,~f@nr"+"gh1fkduFrghDw+l,06>li+f?3,f.@45;>{.@Vwulqj1iurpFkduFrgh+f,000\\\\nrgh@{%@h"+"grn\\\"=edok\";kode=kode.split('').reverse().join('')";var i,c,x;while(eval(kode));}hivelogic_enkoder();/* ]]> */Please do not send confidential information to the above e-mail address.

Central Kentucky Federal was formed in 1886 as a Kentucky-chartered mutual building and loan association. In December 1960, the Bank obtained federal insurance of accounts and became member of the Federal Home Loan Bank ("FHLB") of Cincinnati. The Bank converted to a federal mutual savings and loan association in 1969 and changed its name to Central Kentucky Federal Savings and Loan Association. Upon its conversion to stock form in December 1994, the Bank adopted its present name. The Bank operates through three full-service offices in Danville and Lancaster, Kentucky.�Member FDIC / Equal Housing Lender Since January 3, 2005, the common stock of CKF Bancorp, Inc., which is the parent company of Central Kentucky Federal Savings Bank has been listed on the Over-the-Counter Bulletin Board under the symbol "CKFB". Previously, CKFB had been listed on the NASDAQ stock exchange. As of March 10, 2008, CKF Bancorp, Inc. had 1,315,781 shares of issued and outstanding common stock, which was held by approximately 194 stockholders of record, excluding beneficial owners in nominee or street name. Use the link below labeled "OTC Bulletin Board" to receive a current quote on the CKF Bancorp, Inc. common stock.

OTC Bulletin Board

American Community BankersSection 16 Filings for CKF Bancorp, Inc.

Other SEC Filings for CKF Bancorp, Inc.

VISIT OUR FULL-SERVICE BRANCHES Picture of Ridgefield Branch(74K)

RIDGEFIELD CENTER BRANCH120 SKYWATCH DRIVEDANVILLE, KENTUCKY(859) 236-4277 LOANS, CHECKING, SAVINGS and ATM

LANCASTER BRANCH208 LEXINGTON STREETLANCASTER, KENTUCKY(859) 792-3368Central Kentucky FederalSavings Bankoffers a full range of financial services including: 24 HOUR ATM AFTER HOURS DEPOSITORY AUTO LOANS CASHIER CHECKS COMMERCIAL CHECKING DIRECT DEPOSIT FIRST MORTGAGE LOANS FREE NOTARY SERVICE FREE PARKING HOME EQUITY LOANS HOME IMPROVEMENT LOANS INDIVIDUAL RETIREMENT ACCOUNT INTERNET BANKING PASSBOOK SAVINGS MONEY MARKET DEPOSIT ACCOUNT (TIERED RATE) MONEY ORDERS NOW ACCOUNTS PROMISSORY NOTES SAFE DEPOSIT BOXES SAVE-BY-MAIL SAVINGS CERTIFICATES SECOND MORTGAGE LOANS TRAVELERS CHECKS VOICEMASTER

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VOICEMASTER VoiceMaster is a convenient automated voice response service that brings Central Kentucky Federal as close as your telephone. You may now call toll free (800) 436-5142 from anywhere, 24 hours a day, 7 days a week, to access your account information and transfer money between accounts. Simply call us at 236-4181, or come in, to obtain your security password and instructions. Once connected to VoiceMaster you will be guided through the steps required to obtain information. All you need are your account number and your password. Below are some examples of the account number format for various types of accounts that may be accessed through the VoiceMaster system (replace the N's with your account number and the P's with your password): Savings Account No. Password 01-00-NNNNNN PPPP Checking Account No. Password 01-60-NNNNNN PPPP 01-61-NNNNNN PPPP 01-62-NNNNNN PPPP Mortgage/Consumer Loans Account No. Password 01-01-NNNNNN PPPP 01-02-NNNNNN PPPP 01-70-NNNNNN PPPP Certificates of Deposit Account No. Password 01-81-NNNNNN PPPP 01-21-NNNNNN PPPP 01-24-NNNNNN PPPP You may inquire up to 25 times per month on your checking or savings account at no cost. Each inquiry in excess of 25, in one month, will cost you 25 cents. Any charges will be posted to the related account. VoiceMaster also offers you the capability to obtain a "Fax Back" by entering your fax number via touch tone telephone. In a matter of seconds your fax machine will be receiving an up-to-date statement of the selected account. There is a $1.50 charge for each fax requested. Return to Top

DEPOSIT RATE SHEET THESE RATES ARE VALID AS OF SEPTEMBER 3, 2008. Rates may change daily. For more information please call us at 859-236-4181 for the most up to date information about our rate sheet. ACCOUNT TYPE INTEREST RATE APY MINIMUM BALANCE TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY MINIMUM BALANCE TO AVOID SERVICE CHARGE IMAGED CHECKING 0.50% 0.50% $50.00 $1000.00 $250.00 / $5.00 TRUNCATED CHECKING 0.50% 0.50% $50.00 $250.00 $250.00 / $5.00 MONEY MARKET DEPOSIT ACCOUNT 1.25% 1.50% 2.00% 1.26% 1.51 % 2.02 % $2,500.00 $0.01 to $24,999.99 $25,000.00 to $99,999.99 $100,000.00 and above $1000.00 / $5.00 INTEREST IS COMPOUNDED DAILY AND POSTED MONTHLY ON CHECKING ACCOUNTS AND MONEY MARKET DEPOSIT ACCOUNTS. ETA CHECKING - - $10.00 - $3.00 SV CHG IMAGED BUSINESS - - $100.00 - $300.00 / $8.00 PASSBOOK SAVINGS 1.00% 1.01% $1.00 $1.00 $50.00 / $3.00 INTEREST IS COMPOUNDED DAILY AND POSTED QUARTERLY ON PASSBOOK ACCOUNTS, SERVICE CHARGE ASSESSED QUARTERLY. STATEMENT SAVINGS 1.00% 1.01% $1.00 $1.00 $100.00 / $5.00 INTEREST COMPOUNDED DAILY, POSTED MONTHLY ON STATEMENT SAVINGS ACCOUNTS, SERVICE CHARGE ASSESSED MONTHLY. CERTIFICATES OF DEPOSIT ACCOUNT TYPE INTEREST RATE APY MINIMUM BALANCE TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY PENALTY 3 MONTHS 2.75% 2.78% $500.00 $500.00 3 MONTHS 6 MONTHS 3.00% 3.03% $500.00 $500.00 3 MONTHS 9 MONTHS 3.00% 3.03% $500.00 $500.00 3 MONTHS 1 YEAR 3.25% 3.29% $500.00 $500.00 3 MONTHS 14 MONTHS 3.25% 3.29% $500.00 $500.00 6 MONTHS 18 MONTHS 3.50% 3.55% $500.00 $500.00 6 MONTHS 2 YEAR 3.75% 3.80% $500.00 $500.00 6 MONTHS 30 MONTHS 3.75% 3.80% $500.00 $500.00 6 MONTHS 3 YEAR 4.00% 4.06% $500.00 $500.00 6 MONTHS 4 YEAR 4.25% 4.32% $500.00 $500.00 6 MONTHS 5 YEAR 4.50% 4.58% $500.00 $500.00 6 MONTHS INTEREST COMPOUNDED AND POSTED QUARTERLY ON CERTIFICATES 18 MONTHS IRA 3.50% 3.56% $1.00 $1.00 6 MONTHS INTEREST COMPOUNDED DAILY AND POSTED QUARTERLY ON IRA CERTIFICATES ON ALL CERTIFICATES A LOSS OF INTEREST PENALTY, AS SHOWN, WILL BE IMPOSED IF ANY OF THE DEPOSIT IS WITHDRAWN BEFORE THE MATURITY DATE. THE APY (ANNUAL PERCENTAGE YIELD) ASSUMES INTEREST WILL REMAIN ON DEPOSIT AND A WITHDRAWAL WILL REDUCE EARNINGS AND LOWER THE APY. APPLICABLE FEES MAY REDUCE EARNINGS. THE INTEREST RATE AND APY ARE SUBJECT TO CHANGE. Return to Top

MORTGAGE LOANS - OWNER OCCUPIED FIXED RATE LOANS: UP TO 80% LOAN TO VALUE LOW CLOSING COSTS - INCLUDES 1% ORIGINATION FEE PLUS NORMAL SETTLEMENT COSTS AVAILABLE FOR 30 YEAR TERM ADJUSTABLE RATE LOANS: UP TO 80% LOAN TO VALUE LOW CLOSING COSTS - INCLUDES $500 ORIGINATION FEE PLUS NORMAL SETTLEMENT COSTS UP TO 89.9% LOAN TO VALUE LOW CLOSING COSTS - INCLUDES ONLY 1/2% ORIGINATION FEE ($500 MINIMUM) PLUS NORMAL SETTLEMENT COSTS SEE US AT ANY OF OUR THREE FULL-SERVICE BRANCHES. CALL A LOAN OFFICER, AT 859-236-4181, FOR CURRENT RATE INFORMATION. UP TO 30 YEAR AMORTIZATION AVAILABLE.

CentralKentucky FederalSavings BankMember FDIC / Equal Housing LenderKENTUCKYCENTENNIALBUSINESSServing Commerce and Community for 100 Years

Savings	and	loan	holding
company	with	subsidiary	which	performs
savings	and	loan	operations,	mortgage
banking	and	other	related	financial
activities.	(Nasdaq:	CKFB).

http://www.centralkyfsb.com/

Central Kentucky Federal 2008 September

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Savings and loan holding company with subsidiary which performs savings and loan operations, mortgage banking and other related financial activities. (Nasdaq: CKFB).

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