-FIXED DEPOSITS-

Fixed Deposit Accounts

This account is designed specifically to meet the needs of the investment-minded member. We offer competitive rates of interest on funds held from a minimum of three (3) months to a maximum of one (1) year. With as little as five hundred ($500.00), you can open a fixed deposit account offering attractive interest rates. Members have the option of rolling over funds at maturity. A penalty of 1.5% applies for encashment before maturity date.

Interest Rates on Fixed Deposit

AMOUNT	1 Year	6 Months
1,000 - 20,000	3.0%	2.50%
20,001 - 50,000	3.25%	2.75%
50,001 - 100,000	3.50%	3.0%
100,001 - 200,000	3.75%	3.25%
200,001 - 999, 999.99	4.0%	3.50%

Effective - March 9th, 2009

1. The above rates are quoted on a per annum basis.
2. A penalty of two percent (2%) applies for encashment before maturity date.

*Rates are subject to change without notice.