*Certificates of Deposit are FDIC insured and offer a fixed rate of return if held to maturity.  Brokered CDs sold prior to maturity in the secondary market may result in loss of principal due to fluctuations in the interest rate or lack of liquidity.  Brokered CDs are registered with the Depository Trust Corp. (“DTC”).  Brokered CDs with step-down and/or call provisions may be less favorable than traditional CDs without these features.