Our new "Choice-ls-Yours" variable rate CD allows you to:

    . Make deposits in any amount at any time.
    . Withdraw up to 10% of the original principal
       balance every 12 months.
    . Choose terms from 2 to 5 years.
    . Have a variable rate that updates weekly.
    . Convert to a fixed rate CD at any time.

    Choose wisely. Visit your nearest 
  Citizens~Union Savings Bank office    
                        TODAY!



Minimum opening deposit is $500. The interest rate is subject to change on a weekly basis and is equal to the three-month (13 week) U.S. Treasury Bill weekly auction interest rate as published in The Wall Street Journal. If you exercise the fixed rate conversion option, the interest rate for the remainder of the term will be equal to the three-month (13 week) U.S. Treasury Bill weekly auction interest rate in effect at the time the option is exercised. If you exercise the fixed rate conversion option, you may no longer make deposits or withdrawals without penalty. A penalty may be imposed for early withdrawal. This offer may be withdrawn at any time.