36-MONTH STEP UP CD' Interest rate for the first 12 months 2.25% 0 Interest rate for the following 12 months 2.80% Interest rate for the final 12 months 3.50% 2.80% Total 36-month term APY 51000 minimum to open New money only TF ELGIN STATE BANK ELGIN'S COMMUNITY BANK 1001 S. Randall Rd. | 445 Summit St 50 Tyler Creek Plaza | Elgin 847-888-7950 | www.elginstatebank.com Elgin State Bank is a member of the WNT RUST family Elgin State Bank is a branch of St. Charles Bank&Trust Company 1 Funds used to open the account must be new money. New money is defined as money not currently held at any Wintrust Community Bank Annual Percentage Yields (APYs) are accurate as of 4/23 Offe expiees 6/30/18 Money must semain on deposit for full 36-month term to receive the stated APY.$1000 minimum deposit to open account and to obtain stated rates and APY. Substantial penalty may be charged for early withdrawal. CD will renew to the standard term non-step up product FDIC