GOLDEN SHARES  0.75%

6 MONTHS CERTIFICATE  (1,000.00 MIN.) 1.00%
1 YEAR CERTIFICATE ( 1,000.00 MIN)   1.25%
2 YEAR CERTIFICATE ( 1,000.00 MIN)   1.75%
3 YEAR CERTIFICATE ( 1,000.OO MIN)  2.25%

REGULAR IRA 1.00%
2 YEAR CERTIFICATE IRA ( 2,000.00 MIN.) 2.50%