Rates effective December 11, 2008

US Dollars
30 - 59 Day Term (Non-redeemable)	0.500%
60 - 89 Day Term (Non-redeemable)	0.500%
90 - 179 Day Term (Non-redeemable)	0.500%
180 - 269 Day Term (Non-redeemable)	0.500%
270 - 364 Day Term( Non-redeemable)	0.750%
1 Year (Non-redeemable)	1.000%
$1000 minimum on all of the above

* Rates are subject to change at any time without notice
*Certain conditions may apply
*Additional terms and rates are available upon request

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