Bank Certificate of Deposit

銀行高息存款

Serving Clients in Hawaii and Asia Pacific Since 1980

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Rate listed on this page is not current !

Insured up to $100,000 有十萬元存款保險

Primary Non-Callable Certificate Of Deposit Facts

>Rates are available from banks located throughout the United States.

>All CD’s offered through us are FDIC insured up to $100,000 per institution.

>Rates are available in the following maturities: 3month, 6 month, 9 month, 1year, 18 month, 2 year, 3 year, 4 year, 5 year, 7 year & 10 year.

>The minimum purchase for the 3 month is $50,000.

>You may not redeem brokered Certificates of Deposit. If you need the money you can trade the CD in the secondary market.
>Should you choose to sell the CD there is no penalty but you do have interest rate risk. Depending on what interest rates have done since purchase you may realize a loss (gain) on the position.

MATURITY	ISSUE	CUSIP	MON	TUE	WED	THU	FRI
4 WEEKS	12/11/03	912795	.93	NA	0.91	0.90	.91
3 MONTH	2/12/04	912795	.94	NA	0.94	0.94	.95
6 MONTH	5/13/04	912795	1.06	NA	1.05	1.03	1.03
2 YEAR	1.625 10/31/05	912828BN9	2.01	NA	2.02	1.93	1.88
3 YEAR	2.625% 11/15/06	912828BP4	2.46	NA	2.59	2.50	2.44
5 YEAR	3.375% 11/15/08	912828BQ2	3.43	NA	3.42	3.35	3.27
10 YEAR	4.25% 11/15/13	912828BR0	4.44	NA	4.42	4.34	4.28
30 YEAR	5.375% 2/15/31	912810FP8	5.24	NA	5.23	5.16	5.11
TREASURY STRIP RATES
1YR	11/15/04	912833	1.33	NA	1.32	1.29	1.32
2YR	11/15/05	912833	1.99	NA	2.02	1.92	1.89
5YR	11/15/08	912833	3.56	NA	3.54	3.43	3.35
10YR	11/15/13	912833	4.83	NA	4.82	4.74	4.66
15YR	11/15/18	912833	5.51	NA	5.49	5.41	5.34
20YR	11/15/23	912833	5.75	NA	5.73	5.67	5.59
This term sheet is neither an offer to sell nor the solicitation of an offer to buy. This term sheet is not intended to be the final expression of the terms of any transaction, which are subject to change and availability without prior notice. Information set forth herein has been furnished by sources, which are believed to be reliable but is not guaranteed as to accuracy or completeness. This term sheet is for internal use only: not to be shown to customers. F

Securities offered through AIG Royal Alliances Associates Inc, Member NASD/SIPC.

SUMMARY OF RATING SYMBOLS AND DEFINITIONS
MOODYS	S&P	FITCH	D&P
INVESTMENT GRADE - HIGH CREDIT WORTHINESS
Aaa	AAA	AAA	AAA	GILT EDGE, PRIME, MAXIMUM SAFETY
Aa1	AA+	AA+	AA+
Aa2	AA	AA	AA	VERY HIGH GRADE
Aa3	AA-	AA-	AA-
A1	A+	A+	A+
A2	A	A	A	UPPER MEDIUM GRADE
A3	A-	A-	A-
Baa1	BBB+	BBB+	BBB+
Baa2	BBB	BBB	BBB	LOWER MEDIUM GRADE
Baa3	BBB-	BBB-	BBB-
DISTINCTLY SPECULATIVE – LOW CREDITWORTHINESS
Ba1	BB+	BB+	BB+
Ba2	BB	BB	BB	LOW GRADE, SPECULATIVE
Ba3	BB-	BB-	BB-
B1	B+	B+
B2	B	B	B	HIGHLY SPECULATIVE
B3	B-	B-
PREDOMINANTLY SPECULATIVE – SUBSTANTIAL RISK OR IN DEFAULT
	CCC+
Caa	CCC	CCC	CCC	SUBSTANTIAL RISK
	CCC-
Ca	CC	CC		MAY BE IN DEFAULT

C	C	C		EVEN MORE SPECULATIVE

	CI

		DDD		DEFAULT
		DD	DD
	D	D

Noncallable Certificate of Deposit**

Maturity/date/interest rate/bank
期限/到期日子/利息/銀行

3 months / Call 808-222-8183 for current rate
6 months / Call 808-222-8183 for current rate
9 months / Call 808-222-8183 for current rate
12 months / Call 808-222-8183 for current rate
18 months / Call 808-222-8183 for current rate
24 months / Call 808-222-8183 for current rate
36 months / Call 808-222-8183 for current rate
48 months / Call 808-222-8183 for current rate
60 months / Call 808-222-8183 for current rate
84 months / Call 808-222-8183 for current rate
120 months / Call 808-222-8183 for current rate

Callable Certificate of Deposit**
Maturity date/First call date/interest rate/bank
期限日子/首次到期日子/利息/銀行

Call 808-222-8183 for current rate

**Sample bank rate as of 8/26/97, subject to change without notice.
**FDIC insured up to $100,000

Securities offered through AIG Royal Alliances Associates Inc, Member NASD/SIPC.

Have you consider buying and selling stock and pay ABSOLUTELY
NO CAPITAL GAIN & INCOME TAX - I CAN SHOW YOU HOW !?
讓我們告訴你怎樣買賣股票,不要支付任何增值和入息稅 !?

Give us a call, there is always no obligations on your part.
請打電話給我, 讓我們提供你經濟和可行的辦法.

Johnson W. K. Choi, MBA, RFC. 蔡永強敬啟
Phone: 808.222.8183

55 Merchant Street, Harbor Court, Suite 1813, Honolulu, Hawaii 96813, USA.

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johnsonchoi@johnsonchoi.com