Certificates of Deposit Special

13 Month Certificate** ...1.30% Interest Rate...1.31% APY*

$7,500.00 Minimum Deposit to Open Account

* APY = Annual Percentage Yield - Effective as of July 1, 2010
** 13-month certificate automatically renews at current 12-month rate and 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