SPECIAL OFFERS, RATES & EVENTS

	•Enjoy Introductory rate for 6 months! •No closing costs** •Tax deductible interest† •Conditional approval within one business day •Closing as early as 10 days from application

*Annual Percentage Rate (APR) effective 5/1/12. Applications taken through 6/30/12 and closed by 8/15/12 guaranteed advertised rate. **Closing fees waived for home equity lines of credit up to $100,000 and range from $400-$2,000 for loans of $100,000 or greater. Offer available for owner occupied residences only and are subject to credit approval. Advertised rate applies to new home equity credit accounts and not available for refinancing of existing CIBM Bank accounts. Property insurance and flood insurance (if applicable) required. Rate after six months will vary and is based on credit history and tied to Prime. Non-promotional rates as of 5/1/12 vary from 4.00%-18% APR. Maximum APR will not exceed 18%. Early termination fee of $250 will be assessed if credit line is closed within 24 months. (Early termination fee may not be applicable in all states.) †Consult a tax advisor regarding the deductibility of interest. All terms and conditions of this offer are subject to change at any time without notice. Under certain circumstances access to credit can be frozen, reduced or terminated.

CD & IRA RATES

12 Month CD & IRA** •••••••••••••••••• .30% APY*

36 Month CD & IRA** •••••••••••••••••• 1.00% APY*

60 Month CD & IRA** •••••••••••••••••• 1.50% APY*

84 Month CD & IRA** •••••••••••••••••• 2.00% APY*

**CD & IRA - *Annual Percentage Yield. $2,500 minimum balance required to open and obtain. Rates accurate and effective 3/6/12. Withdrawals made prior to maturity may be subject to an early withdrawal penalty. Offers may be changed, adjusted or withdrawn without notice. Promotional rates may not apply at all Central Illinois Bank locations. For more information, please contact a Personal Banker