Disclosures

* Annual Percentage Yield = APY

Accurate as of 4/30/2008 for tiers and balances:

     $0 - $24,999 = 0.25%

     $25,000 - $49,999 = 1.92%

     $50,000 - $99,999 = 2.02%

     $100,000 and over = 2.50%

Minimum balance to open account is $1,000

Interest rate and APY subject to change after account is open