Certificates of Deposit Specials

7 Month Certificate*** ... 2.75% .. 2.78%* ... $7,500.00

* APY = Annual Percentage Yield - Effective as of April 1, 2008
*** Specials require minimum deposit of $7,500.00. 7-month certificate automatically renews at current 6-month rate for a 6-month term.

Member of the Federal Deposit Insurance Corporation
Fees may reduce earnings on the account
Penalties imposed for early withdrawals on certificates of deposits:

• 3 month term = forfeit 3 months interest
• 6 month term = forfeit 3 months interest
• > 6 month term = forfeit 6 months interest