Guaranteed Forcast CDs
Certificates of Deposit: Initial Minimum Deposit : $1,000

* Lock in higher rates!
* Diversify against risk: CDs add stability to your investment

portfolio
* Monthly or quarterly transfer of interest to your UmbrellaBank

Checking, Money Market or Savings account1
* Monthly or quarterly interest checks available1
* Online Account Access2
* Paper certificate issued and mailed to you upon activation of

the account

Rates are locked upon funding of the Certificate of Deposit.

1. Interest is posted quarterly or monthly based on the

anniversary date of the funding of your account.
2. Online account access will allow you to review your principal

balance and interest posted to your account. CD notices will be

mailed at maturity.

Note: Initial deposit of $1,000 required on all Certificates of

Deposit. Certain fees and/or withdrawals of interest may reduce

yields on accounts. There are no fees on this account, but a

substantial penalty may be imposed for early withdrawals.

UmbrellaBank.com deposit accounts are subject to approval.

Rates current as of, 10/18/2007. Interest rates subject to change at

UmbrellaBank's discretion. Your rate is determined as of the day we

receive your funds to open your account, not the day your application

is submitted to us.

For more information, visit

umbrellabank.com
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