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style='width:90.0%;mso-cellspacing:1.5pt;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><b><span style='mso-fareast-font-family:"Times New Roman"'>Loan Type<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>Maximum Months<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>Daily Periodic Rate<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>Annual Percentage Rate<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>New &amp; Used Autos 2002-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span class=GramE><span style='mso-fareast-font-family:"Times New Roman"'>up</span></span><span style='mso-fareast-font-family:"Times New Roman"'> to 36 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.008192% to 0.046548%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>2.99% to 16.99%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>2006-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>37 to 48 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.008904% to 0.047260%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>3.25% to 17.25%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>2009-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>49 to 60 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.009562% to 0.047918%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>3.49% to 17.49%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>2010-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>61 to 72 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.012329% to 0.050685%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>4.50% to 18.50%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>New &amp; Used Boat, Motorcycle, RV, Trailer 2002-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span class=GramE><span style='mso-fareast-font-family:"Times New Roman"'>up</span></span><span style='mso-fareast-font-family:"Times New Roman"'> to 36 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.010932% to 0.049288%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>3.99% to 17.99%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>2006-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>37 to 48 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.011644% to 0.050000%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>4.25% to 18.25%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>2009-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>49 to 60 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.012301% to 0.050658%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>4.49% to 18.49%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>2010-2012<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>61 to 72 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.015068% to 0.053425%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>5.50% to 19.50%*<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Line of Credit<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>NA<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.024658% to 0.046575%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>9.00% to 17.00% <o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Signature Loan<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span class=GramE><span style='mso-fareast-font-family:"Times New Roman"'>up</span></span><span style='mso-fareast-font-family:"Times New Roman"'> to 24 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.021918% to 0.046575%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>8.00% to 17.00%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Signature Loan<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>25 to 36 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.024658% to 0.046575%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>9.00% to 17.00%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Signature Loan<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>37 to 48 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.027397% to 0.046575%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>10.00% to 17.00%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>VISA Rewards - Variable Rate Based On Creditworthiness<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>Payment 4% of balance<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:16'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>VISA Platinum - Variable Rate Based On Creditworthiness<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>Payment 4% of balance<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:17'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Share Secured<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span class=GramE><span style='mso-fareast-font-family:"Times New Roman"'>up</span></span><span style='mso-fareast-font-family:"Times New Roman"'> to 24 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.006822%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>2.49%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:18'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>25 to 60 months<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.009562%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>3.49%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:19;mso-yfti-lastrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> </table> <p><b>Rate is based on individual credit worthiness. All loans are subject to credit approval. Loan rates may change without notice. *Members that have direct deposit into their SPCU account and use <span class=SpellE>autopay</span> to make their loan payments receive a .25% discount on their auto or other vehicle loan rate. </b></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <h1 align=center style='text-align:center'>Savings Annual % Yield</h1> <h3 align=center style='text-align:center'><span style='mso-fareast-font-family: "Times New Roman"'>February 1, 2012<o:p></o:p></span></h3> <div align=center> <table class=MsoNormalTable border=0 cellpadding=0 width="90%" style='width:90.0%;mso-cellspacing:1.5pt;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><b><span style='mso-fareast-font-family:"Times New Roman"'>Account Name<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>Min. Balance to Earn Dividends*<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>APY<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Regular Shares (minimum balance of $100 required to earn dividends)<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$25.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.10%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>IRA Shares<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$100.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.25%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Money Market - $2,500 -$19,999<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$2,500.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.15%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Money Market - $20,000-$49,999<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$2,500.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.20%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Money Market - $50,000 and up<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$2,500.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.30%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Youth Shares<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$25.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.25%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Christmas Shares<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$0.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.10%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Real Estate Escrow<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$0.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.10%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Special Shares<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$0.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.10%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:14'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:15;mso-yfti-lastrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> </table> </div> <p><b>APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are declared, compounded and credited to your account as specified in your Southpointe Credit Union account agreement and account disclosures. All dividend/savings rates are variable; this means the rates and APY's may change at any time. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. <span class=GramE>National Credit Union Administration, a U.S. Government Agency.</span> </b></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <h1 align=center style='text-align:center'>Certificates of Deposit</h1> <h3 align=center style='text-align:center'><span style='mso-fareast-font-family: "Times New Roman"'>December 20, 2011<o:p></o:p></span></h3> <table class=MsoNormalTable border=0 cellpadding=0 width="90%" style='width:90.0%;mso-cellspacing:1.5pt;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><b><span style='mso-fareast-font-family:"Times New Roman"'>Term<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>Minimum Balance*<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>Dividend Rate<o:p></o:p></span></b></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><b><span style='mso-fareast-font-family:"Times New Roman"'>APY<o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>3-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.15%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.15%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>6-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.20%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.20%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>12-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.35%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.35%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>24-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.549%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.55%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>36-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.797%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>0.80%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>48-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>1.096%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>1.10%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>60-Month Certificate<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>$1000.00<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>1.393%<o:p></o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=right style='text-align:right'><span style='mso-fareast-font-family:"Times New Roman"'>1.40%<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12;mso-yfti-lastrow:yes'> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> <td style='padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal><span style='font-family:"Times New Roman";mso-fareast-font-family: "Times New Roman"'><o:p>&nbsp;</o:p></span></p> </td> </tr> </table> <p><b>APY is Annual Percentage Yield. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. <span class=GramE>National Credit Union Administration, a U.S. Government Agency.</span> <span class=GramE>Substantial Penalty for Early Withdrawal.</span> <o:p></o:p></b></p> <p><span class=GramE><b>Rates subject to change.</b></span><b> </b></p> <div class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p class=MsoNormal align=center style='text-align:center'><i><span style='mso-fareast-font-family:"Times New Roman"'><span style="mso-spacerun:yes"> </span></span></i><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </div> </body> </html>