CD Rates

CDs may be issued by out-of-state institutions. "Blue Sky" limitations may exist with respect to the availability of certain CDs in specific states or localities.

Annual Percentage Yield accurate as of March 2, 2008. Fees may reduce earnings. Yield and availability of all offerings are subject to change. APY may reflect a current market discount.

Penalty may be imposed for early withdrawal. CDs may be liquidated in the secondary market subject to market conditions at prices, which may be more than or less than the original purchase price.

Unlike mutual funds, certifciates of deposit offer a fixed rate of return and are FDIC-insured up to $100,000 per institution ($250,000 for certain retirement accounts). Visit www.fdic.gov for details.

Bank                                                      Rate                        Maturity Date

3 mo

4mo

6mo

11mo

1yr

2yr

3yr