(MONEY Magazine) – TOP CURRENT YIELDS % Min. Bank Money-Market Accounts yield invest. Telephone (800)

AVERAGE 2.10 Resource Bank (VA) 6.02 $10,000 726-5463[8] BankDirect (TX) 6.00 500 839-2737[8] USAccess Bank (KY) 5.90 7,500 369-2265[8] Capital One FSB (VA) 5.90 10,000 564-7426 Republic Bank & Trust (KY) 5.81[6] 5,000 782-3333[9]

Taxable Money-Market Funds

AVERAGE 5.26 Strong Investors Money Fund[1] 6.04 1,000 368-1030 Aon Money Market Fund[1] 5.83 10,000 266-3637 TIAA-CREF Money Market Fund[1] 5.81 250 223-1200 Marshall MMF/Class Y[1] 5.78 1,000 236-3863 Aetna Money Market Fund/Cl A[1] 5.74 1,000 367-7732

Tax-Exempt Money-Market Funds

AVERAGE 2.68 Strong Municipal MMF 3.45 2,500 368-1030 Eaton Vance Tax-Free Reserves[1] 3.19 1,000 225-6265 ABN AMRO T-E MMF/Common Cl.[1] 3.19 2,000 443-4725 Vanguard Tax-Exempt MMF 3.19 3,000 662-7447 Zurich Tax-Free Money Fund 3.16 1,000 523-4140[9]

Taxable Short-Term Bond Funds

AVERAGE 5.24 Hotchkis & Wiley Low Duration 7.47 10,000 236-4479 Hotchkis & Wiley Short-Term Inv. 6.46 10,000 236-4479 Firstar Short-Term Bond Mkt. Inst. 6.33 1,000[7 ] 228-1024 American Performance S/T Inc.[2] 6.21 1,000 762-7085 AmSouth Limited Term Bond Tr. 6.16 0 451-8382

Tax-Exempt Short-Term Bond Funds

AVERAGE 4.37 Strong Short-Term Muncipal Bond 4.83 2,500 368-1030 Strong Municipal Advantage 4.64 2,500 368-1030 Federated Limited Term Muni A[3] 4.34 1,500 341-7400 One Group S/T Muni Bond A[4] 4.30 1,000 480-4111 Calvert T-F Rsrv. Ltd. Term A[5] 4.05 2,000 368-2748

Six-Month CDs

AVERAGE 4.74 BankDirect (TX) 6.50 2,000 839-2737[8] Bank CaroLine (SC) 6.45 500 692-2765[8] M&T Bank, NA (NY) 6.41 5,000 528-6532 Arkansas National Bank (AR) 6.40[6] 10,000 226-5262[9]

One-Year CDs

AVERAGE 5.13 Providian Bank (UT) 6.86 10,000 414-9693 Providian National Bank (NH) 6.86 10,000 414-9692 BankDirect (TX) 6.85 2,000 839-2737[8] Savingsbot.com (WI) 6.82 10,000 833-4248[8]

Five-Year CDs

AVERAGE 5.67 Providian Bank (UT) 7.69 10,000 414-9693 Providian National Bank (NH) 7.69 10,000 414-9692 Key Bank USA (NY) 7.68 5,000 872-5553 Provident Bank (OH) 7.66 1,000 335-2220

Savings notes and sources: CD and money-market account data as of Feb. 8 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax-exempt and taxable money-market fund data as of Feb. 7 and Feb. 8, respectively, from IBC's Money Fund Report (www.ibcdata.com); all have a minimum investment of $10,000 or less and assets of $25 million or more. Short-term bond fund data as of Feb. 11 from Morningstar; all are medium- and high-quality funds with average maturities of three years or less. [1]Manager absorbed all or some operating expenses. [2]5% front-end load. [3]1% front-end load for initial investment under $1 million. [4]Maximum 3% front-end load for initial investment under $1million. [5]Maximum 1% front-end load for initial investment under $250,000. [6]For online accounts only. [7]$1,000 minimum investment only if purchased through TD Waterhouse. [8]Area code 877. [9]Area code 888.