Sovereign Bank

Member FDIC © 2008 Sovereign Bank | Sovereign Bank, its logo and America’s Neighborhood Bank are registered trademarks of Sovereign Bank or its affiliates or subsidiaries in the United States and other countries. *To open a Rising Rate CD and receive the annual percentage yield (APY) stated above, you must have or open a Sovereign Premier Checking account. Minimum deposit of $10 to open a checking account. Minimum deposit of $10,000 and a maximum deposit of $99,999 to open a Rising Rate CD and receive the APY shown above. A penalty will be imposed for early withdrawal from a CD. APYs guaranteed through 7/31/08 and may change thereafter for new accounts. Personal accounts only. **You can ask us to increase your rate one time during the term of your CD if the rate on Rising Rate CDs for new customers increases. Your one-time rate increase will remain for the balance of the term. 1Available only on new secured consumer loans and lines of credit with automatic payment from a Sovereign account. Not available on mortgages and loans obtained through an automobile dealer. 2ATM owner may charge a separate fee. With our 12-Month Rising Rate CD & Premier Checking you get . Now through July 31—with a Sovereign Premier Checking account, you get a great rate on our 12-Month Rising Rate CD. And the best part: If we increase the rate on our Rising Rate CD, you can take advantage of the increase.** Plus, with Premier Checking you get great features and more: Discounts on loan interest rates1 No fee to use other banks’ ATMs in the U.S.2 Over 2,300 Sovereign ATMs, including over 1,100 in CVS/pharmacy® locations Take advantage of this great limited-time offer today. Call or stop by your local Community Banking Office. 12-Month CD 3.30APY* Minimum Deposit $10,000 with Premier Checking Than A great CD RAte 1.877.SOV.BANK sovereignbank.com <WEBSITE>www.sovereignbank.com</WEBSITE>