Deposit Rates

G. Deposit Products* (Effective: Monday, September 06, 2010)
Program	Minimum Daily Balance to earn APY	APY	APY with Gateway SuperSaver Checking
Gateway SuperSaver Checking	$10.00	0.10%
Gateway Rewards Checking	$25,000.00 and above  0.51 % $5,000.00   to  $24,999.99   0.51 % $10.00   to  $4,999.99   0.10 %
Passbook Savings	$10.00	0.25%
Statement Savings	$10.00	0.25%	0.51%
Small Business Statement Savings	$10.00	0.25%
Gateway Money Market & Gateway Commercial Money Market	$250,000.00 and above  1.02 % $50,000.00   to  $249,999.99   0.51 % $25,000.00   to  $49,999.99   0.51 % $2,500.00   to  $24,999.99   0.51 % $10.00   to  $2,499.99   0.10 %
*Annual Percentage Yields (APYs) are subject to change without notice after account opening. Fees may reduce earnings. For Statement Savings, minimum daily balance of $10 in Statement Savings account and $500 minimum daily balance in, or regularly occuring direct deposit into, Gateway SuperSaver Checking required to obtain the higher APY. All deposits insured in full.

H. Statement Savings IRA* (Effective: Monday, September 06, 2010)
Program	Minimum Daily Balance to earn APY	APY	APY with Gateway SuperSaver or Rewards Checking
Statement Savings IRA	$10.00	2.05%	2.31%
*Annual Percentage Yield (APY) is subject to change without notice after account opening. Minimum daily balance of $10 in Statement Savings IRA account plus either $500 minimum daily balance in, or regularly occuring direct deposit into, Gateway SuperSaver Checking or $5,000 minimum daily balance in Gateway Rewards Checking required to obtain the higher APY. Maximum balance is equal to the maximum allowable IRA contribution for the current tax year plus the maximum allowable catch-up contribution, as determined by the Internal Revenue Service. For 2009, that's $6,000. Fees may reduce earnings. All deposits insured in full.

I. Certificates of Deposit* (Effective: Monday, September 06, 2010)
Program	Term	APY	APY with Gateway Rewards Checking
Certificates of Deposit	3 months	0.50%	0.60%
	6 months	0.60%	0.70%
	9 months	0.60%	0.70%
	12 months	1.12%	1.22%
	18 months	1.12%	1.38%
	24 months	1.53%	1.79%
	30 months	1.53%	1.79%
	36 months	2.05%	2.31%
	48 months	2.31%	2.57%
*Annual Percentage Yields (APYs) are subject to change without notice. Minimum amount to open $500. Fees may reduce earnings. Early withdrawals from CDs are subject to penalty. Minimum daily balance of $500 in CD account and $5,000 minimum daily balance in Gateway Rewards Checking account required to obtain the higher APY, and that APY is subject to change without notice after account opening if checking balance requirement is not met. All deposits insured in full.

J. IRA Certificates of Deposit* (Effective: Monday, September 06, 2010)
Program	Term	APY	APY with Gateway Rewards Checking
IRA Certificates of Deposit	3 months	0.50%	0.75%
	6 months	0.60%	0.85%
	9 months	0.60%	0.85%
	12 months	1.12%	1.38%
	18 months	1.12%	1.38%
	24 months	1.53%	1.79%
	30 months	1.53%	1.79%
	36 months	2.05%	2.31%
	48 months	2.31%	2.57%
*Annual Percentage Yields (APYs) are subject to change without notice. Minimum amount to open $500. Fees may reduce earnings. Early withdrawals from IRA CDs are subject to penalty. Minimum daily balance of $500 in IRA CD account and $5,000 minimum daily balance in Gateway Rewards Checking account required to obtain the higher APY, and that APY is subject to change without notice after account opening if checking balance requirement is not met. All deposits insured in full.

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