Interest Rates for
Emerald NOW Account

(Emerald Account Information on Accounts Page)

(Click here for the disclosure note concerning rate changes.)

Daily minimum balance required for advertised APY...	Interest Rate	Annual Percentage Yield (APY)
$1,500.00 and above	.30%	.30%

Annual Percentage Yield is accurate as of September 1, 2008. Rates subject to change at any time. Fees could reduce the earnings on this account.