IRA Certificates of Deposit

Saving for the future is easy.

Now more than ever it's important to start planning for the future. But saving for your retirement doesn't have to be difficult.

With an Individual Retirement Account Certificate of Deposit (IRA CD), you can take advantage of great interest rates -- up to 3.00% APY* -- and tax advantages that will get that bottom line going in the right direction, so that there's a significant return on your investment when it's time to actually use it.

Summary

• Outstanding interest rates
• Terms to fit your needs
• Experienced Executive Bankers to assist you
• Possible tax advantages (consult your tax advisor)
• Minimum $1,000 to open

*APY = Annual Percentage Yield.

Evergreen Bank Group also offers the CDARS Program, providing multi-million-dollar FDIC insurance for Certificates of Deposit. Please contact an Executive Banker at your local branch for more information.

Interest Rates

Term....................Min. to Open..................APY*

3 Months.................$1,000.00...................0.70%

5 Months.................$1,000.00...................0.90%

6 Months.................$1,000.00...................1.00%

12 Months ..............$1,000.00...................1.30%

15 Months ..............$1,000.00...................1.50%

18 Months ..............$1,000.00...................1.70%

24 Months ..............$1,000.00...................1.90%

30 Months ..............$1,000.00...................2.00%

36 Months ..............$1,000.00...................2.40%

48 Months ..............$1,000.00...................2.90%

60 Months ..............$1,000.00...................3.00%

*All Interest Rates and Annual Percentage Yields (APY) are accurate as of September 1, 2010 and are subject to change at any time. The disclosed APY assumes that interest will remain on deposit until maturity. Fees or withdrawals could reduce earnings.

Terms

A penalty applies for early withdrawal. Interest is compounded and credited quarterly.

For Traditional IRAs - If you withdraw before age 59 1/2 you may be subject to a 10% early withdrawal penalty unless the following exceptions apply: qualified higher education expenses; qualified first home purchase (lifetime limit of $10,000); certain major medical expenses; certain long-term unemployment expenses; disability; or substantially equal periodic payments.

All accounts subject to credit approval. Other terms and conditions may apply. For more information, please contact an Executive Banker at your local branch.