Effective as of March 8, 2010

*APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed until CD is opened.

CERTIFICATES	MINIMUM DEPOSIT	MAXIMUM DEPOSIT	INTEREST RATE	APY*
7 – 29 DAYS	$25,000	$100,000+	.45%	.45%
30 – 59 DAYS	$25,000	$100,000+	.717%	.72%
60 – 90 DAYS	$25,000	$100,000+	.717%	.72%
91 – 181 DAYS	$25,000	$100,000+	.856%	.86%
182 – 364 DAYS	$25,000	$100,000+	1.045%	1.05%
**9 MONTHS  LIQUID CD	$25,000	$100,000+	.995%	1.00%
12 MONTHS	$25,000	$100,000+	1.311%	1.32%
18 MONTHS	$25,000	$100,000+	1.311%	1.32%
24 MONTHS	$25,000	$100,000+	1.764%	1.78%
36 MONTHS	$25,000	$100,000+	2.078%	2.10%
DEPOSIT ACCOUNT	MINIMUM DEPOSIT	MAXIMUM DEPOSIT	INTEREST RATE	APY*
***MONEY MARKET	$25,000	$50,000	.548%	.55%
***MONEY MARKET	$50,001	$100,000	.817%	.82%
***MONEY MARKET	$100,001	$200,000	.896%	.90%
***MONEY MARKET	$200,001	$1,000,000	.946%	.95%
***MONEY MARKET	$1,000,001	--	.975%	.98%
***SWUSA T (tier 1)	$100,000	$250,000	.080%	.080%
***SWUSA T (tier 2)	$250,001	--	.125%	.125%

**Special 9 month Liquid CD - Two penalty-free withdrawals during the term of the account. Must open and maintain $25,000 minimum balance. Call bank for additional rules and conditions.

*Jumbo CD rates may be available, call for details

Interest Rate vs. APY: The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. If you receive a periodic statement, that statement will include the APY earned on your account for the period covered by the statement.

Penalty may be imposed for early withdrawal. Fees may reduce earning on the account

***These are variable rate, interest bearing accounts.  The interest rate and APY
 may change at any time at the Bank's discretion.