Rates effective as of December 30, 2011         Rates are subject to change without  notice.

Terms	Opening Amount	Rate	APY*
180 Days	$1,000 +	0.75%	0.752%
1 Year	$1,000 +	1.00%	1.004%

*APY = Annual Percentage Yield Interest rate is fixed for the term. A penalty is imposed for early withdrawal