Customer has a one-time opportunity to increase the interest rate at the time presented at the prevailing rate that is nearest to the remaining maturity of the certificate.

Special rates excluded. No additional funds may be added. The rate increase will not extend the maturity date.

*Annual Percentage Yield (APY) is effective as June 20, 2008 and is subject to change at any time. Offer applies to personal CD accounts.A Bank Independent deposit or loan account is required. $1,000 minimum balance required to earn the advertised Annual Percentage Yield (APY). Early withdrawal penalty may apply. Fees may reduce earnings on account. Limited time offer.