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CD Rates

Institution Term Maturity Coupon Rate Payment

Morgan Stanley Bank N.A.

 3 month 3/26/2009 1.25%  Monthly

First Federal Calif FSB Sa
N/A TX

 6 month 6/24/2009 2.10%  Maturity

Westernbank Mayaguez PR
N/A in PR

 1 year 12/24/2009 2.65%  Monthly

Westernbank PR
N/A in PR

 1Year 6 month 6/24/2010 3.50% Monthly

Westernbank PR
N/A in PR

 2 year  12/23/2010 3.80% Monthly

Goldman Sachs Bank USA

  5 year 12/24/2013 4.60% Semi-Annually

NOTE: The coupon rates are as of December 18, 2008 and are subject to availability and change. A minimum deposit of $5000 is required. The interest payments are not reinvested and are paid as cash in your brokerage account.

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