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Individual Retirement Accounts (IRAs)

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effective as of May 1, 2008 8:00 AM
Account Type	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open
1-Year Variable, Traditional, and Roth IRAs	3.500%	3.450%	$100
30-Month Fixed Roth IRA	3.050%	3.020%	$100
3-Year Fixed IRA	3.100%	3.060%	$100
5-Year Variable Roth IRA	4.100%	4.040%	$100
IRA Fixed account offering rates are subject to change daily and are fixed for the term of the account. IRA Variable account offering rates are subject to change daily and are adjusted every 6 months for the term of the account. Dividends are paid and compounded quarterly.

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