Bump Certificate
This innovative program allows you to open a certificate at today's best rate, and if rates increase during your term, you can "bump" up to the new, higher rate! It's the best of both worlds - the best rate today and the ability to "bump" it later!

The Bump Certificate Features:

• Flexible Terms ranging from 12 to 60 months
• Low $1,000 minimum deposit to start saving
• If the rates go up 'Bump' your certificate to the higher rate*

Open your Bump Certificate today by calling 800.948.6677 or through PartnersLink.

*Rate can be bumped once during the life of the certificate and the term length resets to the original term. Restrictions apply to all certificate types. Rates and terms are subject to change without notice.

Bump Certificate Rates

	Standard Certificate Minimum to open: $1,000 Minimum to earn dividends: $1,000		Mini-Jumbo Certificate Minimum to open: $50,000 Minimum to earn dividends: $50,000		Jumbo Certificate Minimum to open: $100,000 Minimum to earn dividends: $100,000
	Rate	APY*	Rate	APY*	Rate	APY*
12 Month	1.20%	1.21%	1.25%	1.26%	1.30%	1.31%
24 Month	1.55%	1.56%	1.60%	1.61%	1.65%	1.66%
36 Month	1.85%	1.87%	1.90%	1.92%	1.95%	1.97%
48 Month	2.45%	2.48%	2.50%	2.53%	2.55%	2.58%
60 Month	2.50%	2.53%	2.55%	2.58%	2.60%	2.63%
Dividend Declaration Date 08/18/2009. Dividend Period Monthly
*APY = Annual Percentage Yield. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity.