Interest Rates and Annual Percentage Yields are effective as of July 23, 2010

    Certificate of Deposit Rates

Term	Minimum Balance	Interest Rate	Annual Percentage Yield*
91 Days	$500	0.20%	0.20%
6 Months**	$500	0.40%	0.40%
1 Year	$500	0.60%	.060%
1 1/2 Years	$500	0.85%	0.85%
15 Months	$500	1.00%	1.00%
2 Years	$500	1.10%	1.10%
2 1/2 Years	$500	1.24%	1.25%
3 Years	$500	1.49%	1.50%
4 Years	$500	1.89%	1.90%
5 Years	$500	2.23%	2.25%
7 Months***	$500	0.45%	0.45%
9 Months	$500	0.50%	0.50%
13 Months	$500	0.80%	0.80%

                                                     

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Early withdrawal penalty may apply.

Additional Terms Available.

*With exception of 6 month and 7 month certificates, Annual Percentage Yield (APY) is based on 365 days with interest compounded and credited quarterly provided money is left on deposit for a full calendar year.

**Annual Percentage Yield (APY) is based on 365 days with interest compounded and credited semi-annually provided money is left on deposit for a full calendar year.

***Interest is credited at maturity on the 7 month CD.