| | DIVIDEND | | | 9/1/2010 | RATE | *APY |
|---|
| TERM CERTIFICATES ** $1,000.00 Minimum | | | | 6 Month Certificate | 1.55% | 1.55% | | 12 Month Certificate | 1.74% | 1.75% | | 18 Month Certificate | 1.74% | 1.75% | | 24 Month Certificate | 1.89% | 1.90% | | 36 Month Certificate | 2.28% | 2.30% | | 48 Month Certificate | 2.72% | 2.75% | | 60 Month Certificate | 2.97% | 3.00% | |
*APY = annual percentage yield Interest rates and APYs are subject to change at any time. ** There is a substantial penalty for early withdrawal from term certificate accounts.
Loss of one month's interest on accounts with a maturity of one year or less and Step Up Certificates.
Loss of three months' interest on accounts with a maturity of more than one year. | 
