(MONEY Magazine) – TOP CURRENT YIELDS % Min. yield invest. Telephone BANK MONEY-MARKET ACCOUNTS

Average 0.50 VirtualBank (Fla.) 2.20 $100 877-998-2265 Bank of Internet USA (Calif.) 2.16 1,500 877-541-2634 National InterBank (Ind.) 2.05 1 888-580-0043 MetLife Bank (N.J.) 2.01 5,000 866-226-5638 ING Direct (Del.) 2.00 1 877-469-0232

TAXABLE MONEY-MARKET FUNDS

Average 0.51 PayPal Money Market Fund[1] 1.05 1 402-935-7733 GE Money Market Fund 0.89 500 800-242-0134 Flex-fund Money Market Fund[1] 0.84 2,500 800-325-3539 McMorgan Principal Preservation Fund[1] 0.83 5,000 800-788-9485 Bunker Hill Money Market Fund[1] 0.82 5,000 800-572-9336

TAX-EXEMPT MONEY-MARKET FUNDS

Average 0.41 Alpine Municipal Money Market Fund[1] 0.98 2,500 888-785-5578 Vanguard Tax-Exempt Money Market Fund 0.80 3,000 800-851-4999 Strong Tax-Free Money Fund[1] 0.79 2,500 800-368-6860 Strong Municipal Money Market Fund 0.72 2,500 800-368-6860 USAA Tax-Exempt Money Market Fund 0.64 3,000 800-531-8448

TAXABLE SHORT-TERM BOND FUNDS

Average 2.07 Metropolitan West Low Duration Bond M 3.98 5,000 800-241-4671 William Blair Income N 3.92 5,000 800-742-7272 Phoenix-Goodwin Multi-Sector S/T Bond A[2] 3.83 500 800-243-4361 American Funds Int. Bnd. Fnd. of Amer. 529A[3] 3.75 250 800-421-0180 Vintage Limited Term Bond 3.67 1,000 800-438-6375

TAX-EXEMPT SHORT-TERM BOND FUNDS

Average 1.58 Oppenheimer Limited Term Municipal C 4.46 1,000 800-525-7048 Evergreen Short-Interm. Municipal A[4] 3.00 1,000 800-343-2898 Strong Short-Term Municipal Bond Inv. 2.67 2,500 800-368-6860 Nuveen Limited Term Municipal Bond A[5] 2.49 3,000 800-257-8787 Scudder Short-Term Municipal Bond Inv. 2.38 1,000 800-730-1313

SIX-MONTH CDs

Average 0.91 Ascencia Bank (Ky.) 1.83 500 877-369-2265 Quantum National Bank (Ga.) 1.83 500 800-533-6922 Imperial Capital Bank (Calif.) 1.81 2,000 800-455-4485 Nexity Bank (Ala.) 1.80 1,000 877-738-6391

ONE-YEAR CDs

Average 1.08 Ascencia Bank (Ky.) 2.13 500 877-369-2265 Nexity Bank (Ala.) 2.11 1,000 877-738-6391 ING Direct (Del.) 2.10 1 877-469-0232 NetBank (Ga.) 2.10 1,000 888-256-6932

FIVE-YEAR CDs

Average 3.02 Capital One FSB (Va.) 4.11 10,000 800-564-7426 Intervest National Bank (N.Y.) 4.10 2,500 877-226-5462 Countrywide Bank (Va.) 4.10 10,000 800-479-4221 Principal Bank (Iowa) 4.06 1,000 800-672-3343

Savings notes and sources: CD and money-market account data as of Oct. 21 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Tax- exempt and taxable money-market fund data as of Oct. 20 and 21, respectively, from Money Fund Report (imoneynet.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 Sept. 30 from Lipper, New York; 877-955-4773; all are medium- and high-quality funds with average maturities of three years or less. [1]Manager absorbed all or some operating expenses. [2]Maximum 2.25% front-end load on investment under $50,000. [3]Maximum 5.75% front-end load on investment under $1 million. [4]Maximum 3.25% front-end load on investment under $1 million. [5]Maximum 2.5% front-end load on investment under $1 million.