Certificate of Deposit rates as of May 09, 2008

Account	Compounds	APY*	Interest Rate
91 Day CD	Quarterly	2.20	2.18
6 Month CD	Quarterly	2.50	2.47
12 Month CD	Quarterly	2.75	2.715
15 Month CD	Quarterly	3.29	3.25
18 Month CD	Quarterly	2.75	2.715
21 Month Upgrade CD**	Quarterly	2.89	2.86
24 Month CD	Quarterly	3.03	3.00
30 Month CD	Quarterly	3.03	3.00
33 Month Upgrade CD  ($1000 Min)	Quarterly	3.19	3.15
36 Month CD	Quarterly	3.30	3.26
48 Month CD	Quarterly	3.55	3.50
60 Month CD	Semi-Annually	3.90	3.84

Rates are subject to change at anytime at management's discretion.

* Annual Percentage Yield
APY assumes interest rate remains on deposit until maturity and that a withdrawal will reduce earnings.

** Availability
Product not available after 5/23/2005.

*** Minimum Balance Requirement
$500 is required to open a Certificate of Deposit, unless otherwise specified.

Early Withdrawal Penalty
Any withdrawal of the principal prior to the maturity of your certificate will result in a penalty. In the event of death to the account holder early withdrawal penalties are waived. Penalty is assessed according to the original maturity of the certificate.

Three months or less - 30 days of interest is forfeited.

Greater than three months but less than or equal to one year - 60 days of interest is forfeited.

Greater than one year but less than or equal to two years - 90 days of interest is forfeited.

Greater than two years but less than or equal to three years - 150 days of interest is forfeited.

Greater than 3 years - 180 days of interest is forfeited.