Certificate of Deposit	Interest Rate	Annual Percentage  Yield (APY)	Minimum to Earn Annual  Percentage Yield (APY)	Minimum To Open
3 - 5 MONTH CD*	1.05%	1.05%	$ 500.00	$ 500.00
6 - 8 MONTH CD*	2.23%	2.25%	$ 500.00	$ 500.00
9 - 11 MONTH CD*	2.23%	2.25%	$ 500.00	$ 500.00
12 - 23 MONTH CD*	2.47%	2.50%	$ 500.00	$ 500.00
24 - 35 MONTH CD*	2.96%	3.00%	$ 500.00	$ 500.00
24 MONTH OPTION CD*	2.81%	2.85%	$ 500.00	$ 500.00
36 - 47 MONTH CD*	3.20%	3.25%	$ 500.00	$ 500.00
48 - 59 MONTH CD*	3.44%	3.50%	$ 500.00	$ 500.00
60 MONTH CD*	3.68%	3.75%	$ 500.00	$ 500.00
7 MTH SPECIAL CD**	3.20%	3.25%	$ 500.00	$ 500.00
13 MTH SPECIAL CD**	3.68%	3.75%	$ 500.00	$ 500.00

*A substantial penalty may be imposed for any withdrawal of principal prior to maturity. The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty for CDs with an original maturity of 1 year or less, 180 days interest for all CDs with an original maturity greater than 1 year.  The annual percentage yield assumes that the interest remains on deposit until maturity.  A withdrawal will reduce earnings.

Any fees assessed on these deposit products may reduce the earnings on the account. Please refer to the schedule of charges for any fee that may be imposed.

The Annual Percentage Yields quoted are accurate as above.  All APY's offered are subject to change without notice.  For full account details, please contact a bank representative at the branch most convenient for you or call us at (860) 291-3600.

**In addition to all terms and conditions of our CD accounts, a new or existing checking account is required in order to receive this special 18 month CD rate.  The rate without a checking account is .25 bases points below that stated special 18 month CD rate.