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Annual Percentage Yield (APY) information accurate as of 5/11/2006

Account Term Minimum Balance APY Interest Rate
90-Day CD $1,000.00 2.83% 2.80%
182-Day CD $1,000.00 3.17% 3.15%
9-Month CD $1,000.00 3.28% 3.25%
12-Month CD $500.00 3.48% 3.45%
15 Month CD $500.00 3.53% 3.50%
18-Month CD $500.00 3.63% 3.60%
24-Month CD $500.00 3.94% 3.90%
30-Month CD $500.00 4.19% 4.15%
36-Month CD $500.00 4.55% 4.50%
48-Month CD $500.00 4.70% 4.65%
60-Month CD $500.00 4.96% 4.90%
Leap-Up 36 month $1,000.00 5.01% 4.95%
CD Special--59 Months $1,000.00 5.37% 5.30%
CD Special--13 Months $1,000.00 5.06% 5.00%

Rates may vary after an account is opened.
Fees can reduce earnings.
Penalty for early withdrawl for time accounts.
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