FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal CD & IRAs

Product	Certificates of Deposit	Individual Retirement Accounts (IRA's)
Account Overview	Fixed-term account with guaranteed rates	Fixed-term account with guaranteed rates
Minimum Deposit to Open	$1000	$500
Interest Paid	Call for Current Rates	Call for Current Rates
Penalties for Early Withdrawal	May be imposed if principal balance is withdrawn prior to the maturity date	May be imposed if principal balance is withdrawn prior to the maturity date
Other Penalties for Early Withdrawal	N/A	Other penalties imposed by the IRS may apply (see a Customer Service Representative for more information)