Your Rates

Share Term Certificates Rates effective 06/10/2008
Account Type	Term	Rate	APY

Share Term Certificate	6 Months	3.25	3.25
Share Term Certificate	12 Months	3.25	3.25
Share Term Certificate	18 Months	3.50	3.50
Share Term Certificate	24 Months	3.50	3.50
Share Term Certificate	30 Months	3.75	3.75
Share Term Certificate	36 Months	3.75	3.75
Share Term Certificate	48 Months	4.00	4.00
Share Term Certificate	60 Months	4.25	4.25
Dividend Rates Information Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call our 24-Hour Voice Response Service at 800.328.4543, or in Raleigh 919.839.5428, or your local branch for current rates. *APY: Annual Percentage Yield

Share Term Certificates