This offer expires March 19, 1996. All applications must be postmarked by this date. Interest is paid at maturity. $500 minimum deposit required to open a CD and obtain the Annual Percentage Yield.* The Annual Percentage Yield (APY) is effective March 12, 1996. Yield assumes principal and interest remain in the account until maturity. This offer applies to personal CDs only, with balances up to $99,999. This offer may not be used in combination with any other offer and may be purchased with U.S. dollars only. CDs will be issued and mailed upon collection of funds. There is a substantial penalty for early withdrawal from a CD.