| Concierge Share CertificatesEffective Date: 02/01/2012 |
| Concierge Gold Share Certificate |
Term
(in months) |
Dividend Rate |
Annual Percentage Yield (APY) |
Minimum Deposit to Open |
| 3 |
0.45% |
0.45% |
$25,000 |
| 6 |
0.50% |
0.50% |
$500 |
| 12 |
0.75% |
0.75% |
$500 |
| 24 |
1.00% |
1.01% |
$500 |
| 36 |
1.25% |
1.26% |
$500 |
| Concierge Silver Share Certificate |
Term
(in months) |
Dividend Rate |
Annual Percentage Yield (APY) |
Minimum Deposit to Open |
| 3 |
0.30% |
0.30% |
$25,000 |
| 6 |
0.35% |
0.35% |
$500 |
| 12 |
0.60% |
0.60% |
$500 |
| 24 |
0.85% |
0.85% |
$500 |
| 36 |
1.10% |
1.11% |
$500 |
| The rate in effect when account is opened is fixed for the term of the share certificate. A penalty will be imposed for early withdrawal. The APY is accurate as of the effective date. |