Certificates of Deposit

*Interest rate and annual percentage yield subject to change without notice. Substantial penalty for early withdrawal may apply.

Term	Min.  Balance	Interest Rate	Annual Percentage Yield
90 Days	$10,000	1.74%	1.75%
180 Days	$10,000	1.84%	1.85%
9 Months	$10,000	2.08%	2.10%
12 Months	$10,000	2.08%	2.10%
18 Months	$10,000	2.08%	2.10%
24 Months	$10,000	2.08%	2.10%
90 Days	$100,000	1.99%	2.00%
180 Days	$100,000	2.08%	2.10%
9 Months	$100,000	2.33%	2.35%
12 Months	$100,000	2.33%	2.35%
18 Months	$100,000	2.33%	2.35%
24 Months	$100,000	2.33%	2.35%
Certificate of Deposit Specials
7 Months - One time Bump	$10,000	3.20%	3.25%
Call for rates on CD's below $10,000.  Visit us at 901 Santa Fe Drive for a complete disclosure on each of these accounts.

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