Required Opening Balance	$1,000
Interest Payment	Compounded Daily, Paid Monthly
Transactions Limitation	No deposits may be made before maturity. You may make withdrawals of principal before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is subject to early withdrawal penalty.
Early Withdrawal Penalty	The early withdrawal penalty varies by the term of the certificate: If your account has an original maturity of less than 12 months. We may impose a fee equal to 30 days interest on the amount withdrawn. If your account has an original maturity of 12 - 35 months. We may impose a fee equal to 60 days interest on the amount withdrawn. If your account has an original maturity of 36 months and over. We may impose a fee equal to 90 days interest on the amount withdrawn.
Interest Rates Effective 08/30/2010	Term Interest Rate Annual Percentage Yield 3 Months 0.35% 0.35% 6 Months 0.60% 0.60% 9 Months 0.70% 0.70% 12 Months 0.90% 0.90% 18 Months 0.85% 0.85% 24 Months 1.39% 1.40% 36 Months 1.73% 1.75% 48 Months 1.98% 2.00% 60 Months 2.37% 2.40%

• Annual Percentage Yield assumes minimum balance maintained for full CD term, interest is capitalized and deposit is renewed at the existing rate for additional periods up to one year.  A penalty may be imposed for early withdrawal.