Tiering Methods

As of May 1, 2007

Variable Rate Accounts:
We may change the interest rate and the annual percentage yield at any time.

Tiering Method A:

Applies To:

Pays on the full balance in the account the stated interest rate that corresponds to the applicable deposit tier using the average daily balance method.

Fixed Rate Accounts:

Applies To:

Time Certificates of Deposit

The rate remains unchanged until the Time Certificate of Deposit matures.

Please see the Agreements,Terms and Conditions disclosure for further information.

All rates are subject to change without notice. Certificates require a substantial penalty for early withdrawal. Annual Percentage Yield assumes principal and interest remain on deposit at the same rate for one year. All rates are compounded daily, interest calculated on a 365 day basis. Interest will credit to all accounts monthly. Please refer to the Deposit Account Agreement,Terms and Conditions disclosure available online or at our office.

PHONE:
Toll Free (877) 546-2634

ADDRESS:
12777 High Bluff Drive, Suite 100,
San Diego, CA 92130