CD Accounts

2 National average based on the top 50 U.S. banks by deposit provided by Informa Research Services, Inc.

3 Annual Percentage Yield (APY). APY applies to personal accounts only. $500 minimum balance required to open. Rate may change after account is opened. Fees could reduce earnings on the account. Advertised rate is valid as of 01/31/2012 and subject to change daily without notice.

4 Annual Percentage Yield (APY). Applies to personal accounts only. Advertised Money Market Account rate is valid as of 01/31/2012 and subject to change daily without notice. Rate may change after the account is opened. Fees could reduce earnings on the account. A $2,500 minimum deposit is required to open and must have an average daily balance of at least $2,500; otherwise, a monthly minimum balance fee will be charged.

5 Annual Percentage Yield (APY). This offer applies to personal accounts only. CD rates based on a $2,500 minimum balance and apply to terms of 3 months to 10 years. A penalty may be charged for early CD withdrawal. Fees could reduce earnings on the account. Advertised rates are valid as of 01/31/2012 and subject to change daily without notice.

6 Annual Percentage Yield (APY). This offer applies to personal accounts only. IRA CD rate based on a $2,500 minimum balance and applies to a 10-year term. A penalty may be charged for early IRA CD withdrawal. Fees could reduce earnings on the account. Advertised rate is valid as of 01/31/2012 and subject to change daily without notice.

7 Bankrate.com (3Q-2011) Top Tier Quarterly Winner for consistently high yields.

8 The APY for the Online Savings Account as of January 31, 2012 is more than 5 times the national average APY for interest-bearing savings accounts with balances of $500 as reported by Informa Research Services, Inc as of January 31, 2012. Although the information provided by Informa Research Services has been obtained from the various institutions, the accuracy cannot be guaranteed. Rates are subject to change at any time.