SPECIAL 12 MONTH CD PROMOTION!!

Minimum opening balance                    APY *

$1,000 - $49,999                                   4.10%

$50,000 - $99,999                                 4.10%

$100,000 or more                                 4.10%

* APY - Annual Percentage Yield effective 8/12/08.  Each rate applies for the full term of the CD opened.    Penalty may be imposed for early withdrawal. You must maintain the required minimum opening balance in the account each day to obtain the disclosed APY.

Rates are subject to change at any time.