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Rates Effective June 30, 2012. Rates subject to change at any time.

**Enrollment required. Certain restrictions and limitations apply.

Note: Merchant Rates are subject to change without notice. Savings will be determined by the business and risk model. Higher Risk accounts may be subject to additional fees.

Note: Rates are subject to change without notice. Dividends are paid from current income and available earnings after required transfers to reserves. Fees may reduce earnings.