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RATES EFFECTIVE AS OF October 9, 2013.  RATES MAY CHANGE AT ANYTIME
MINIMUM TO OPEN $500.00
MINIMUM TO ACHIEVE ANNUAL PERCENTAGE YIELD $500.00
PENALTY FOR EARLY WITHDRAWAL

Term Interest Rate Annual Percentage Yield
7 Days 0.15% 0.15%
90 Days 0.20% 0.20%
180 Days 0.20% 0.20%
1 Year 0.40% 0.40%
18 Months 0.60% 0.60%
2 Years 0.82% 0.82%
30 Months 0.82% 0.82%
3 Years 0.99% 0.99%
4 Years 1.07% 1.08%
5 Years 1.40% 1.41%