A smart investment when you want a competitive return protected from unstable markets. Plans can be tailored to any investment period from 7 days to 5 years.

The Account Offers You:

• Interest paid monthly, quarterly or annually
• Automatic interest payments made to your checking or savings accounts, or paid to you by check
• Opening deposits of $1,000 for terms of 7 days or more

Interest
Based on term

Fees
Penalty for early withdrawals

CD Promotions - Additional Disclosures:

Annual Percentage Yields (APYs) as of July 1, 2008, subject to change without notice. Offer expires September 1, 2008.

APYs assume interest remains on deposit to maturity. Limited time offer available to consumer, business, and Individual Retirement Accounts (IRAs)*. Excludes Public Funds CDs. Requires new funds minimum deposit of $10,000 to open. Add-On CDs up to 12 months limited to a total $500,000. Penalty for early withdrawal may apply.

At maturity, the 9-month, 21-month and 33-month CDs will roll over automatically for like CDs at the prevailing 6-month, 12-month and 24-month rates, respectively. Roll over CDs must maintain the minimum balance required to obtain the prevailing rates.

*IRA CDs: $20 annual fee and special handling fees may apply. Withdrawals from an IRA prior to age 59-½ may subject you to an income tax liability, a federal penalty, and a bank early withdrawal penalty for the CD funding the IRA. Fees and penalties could reduce earnings on the account. Certain IRAs are FDIC insured up to a combined $250,000. Additional restrictions may apply.