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Current Rates on CD Specials
Interest Rates Accurate as of
November 25, 2008
Annual Percentage
Yield
Interest
Rate1
19 Month CD Special2 3
2.70
2.70
36 Month Convertible CD Special4 5
3.35
3.35
1 Rates subject to change.
2 CDs/IRAs may have a penalty upon early withdrawal.
3 $1,000.00 minimum to open and earn interest on the account.
4 $500.00 minimum to open and earn interest on the account.
5 Account subject to penalty for early withdrawal during the initial 18 months.
After initial period, the account converts to a One Penalty Free CD.

Rates accurate as of November 25, 2008.

Please visit or call your local branch for more rates.


Current Rates on Advantage Money Market &
Business Advantage Money Market Accounts
Tiers3
Annual Percentage
Yield
Interest
Rate1
$0.00 - $2,499.99
0.00
0.00
2,500.00 - $9,999.99
0.65
0.65
$10,000.00 - $24,999.99
0.95
0.95
$25,000.00 - $49,999.99
1.11
1.10
$50,000.00 - $99,999.99
1.81
1.80
$100,000.00 and up
2.07
2.05
1 Rates subject to change.
3 $2,500.00 minimum to open and earn interest on an account.
Fees could reduce earnings on the account.
Rates accurate as of November 25, 2008.

Please visit or call your local branch for more rates.

FDIC

Citizens Bank & Trust Company
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