*All Annual Percentage Yields (APY) effective 7/28/08 (assumes interest will remain on deposit), subject to change without notice. $2,500 minimum opening deposit and minimum balance is required to be maintained for the entire term; $100,000 maximum deposit; not available on Jumbo CDs. Other rates and terms available. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Special rates are available to Hawaii residents and businesses only and may be discontinued at any time. Deposits are insured up to $100,000 by the FDIC.

*All Annual Percentage Yields (APY) effective 7/28/08 (assumes interest will remain on deposit), subject to change without notice. $2,500 minimum opening deposit and minimum balance is required to be maintained for the entire term; $100,000 maximum deposit; not available on Jumbo CDs. Other rates and terms available. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Special rates are available to Hawaii residents and businesses only and may be discontinued at any time. Deposits are insured up to $100,000 by the FDIC.

*All Annual Percentage Yields (APY) effective 7/28/08 (assumes interest will remain on deposit), subject to change without notice. $2,500 minimum opening deposit and minimum balance is required to be maintained for the entire term; $100,000 maximum deposit; not available on Jumbo CDs. Other rates and terms available. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Special rates are available to Hawaii residents and businesses only and may be discontinued at any time. Deposits are insured up to $100,000 by the FDIC.

**During the initial term of the TradeUp CD, there is a one-time only option to change the rate of the earnings to the rate then being paid by Finance Factors on a regular time certificate with the same term and conditions. The new rate will be paid only for the remaining portion of the initial term, and the term will not be extended. The TradeUp CD is available only to residents and businesses in the state of Hawaii and may be discontinued at any time.

*All Annual Percentage Yields (APY) effective 7/28/08 (assumes interest will remain on deposit), subject to change without notice. $2,500 minimum opening deposit and minimum balance is required to be maintained for the entire term; $100,000 maximum deposit; not available on Jumbo CDs. Other rates and terms available. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Special rates are available to Hawaii residents and businesses only and may be discontinued at any time. Deposits are insured up to $100,000 by the FDIC.

**During the initial term of the TradeUp CD, there is a one-time only option to change the rate of the earnings to the rate then being paid by Finance Factors on a regular time certificate with the same term and conditions. The new rate will be paid only for the remaining portion of the initial term, and the term will not be extended. The TradeUp CD is available only to residents and businesses in the state of Hawaii and may be discontinued at any time.