Principal Protected Equity Linked CD's

Just as the name implies, Principal Protected CDs provide investors with 100% principal protection when held to maturity.  Additional return is derived from the performance of an underlying asset or group of assets, such as the S&P 500.  Considered buy-and-hold investments, Principal Protected CDs are typically FDIC insured (subject to FDIC rules). 

Principal Protected CDs may be appropriate for more conservative investors seeking market exposure without risking their principal investment.  The principal protection and payment at maturity is subject to the credit risk of the issuer and investors may experience a loss if sold prior to maturity.

For more information about Principal Protected CDs, CALL (908) 823-0001.

Principal Protected CDs are sold only by prospectus and may not be suitable for all investors.  Investors should read the Prospectus carefully before investing.  Investors should read the prospectus carefully for a more complete description of the risks associated with investing in principal protected CDs.  This communication is prepared solely for informational purposes and should not be considered an offer to sell or a solicitation to buy any security.  Investors should consult their accounting, legal or tax advisors before investing.  Many factors may affect investment value such as interest rates, volatility of the underlying asset, trading market and time remaining until maturity. FDIC insurance does not apply to principal losses incurred when selling a CD in the secondary market prior to maturity.  An active trading market may not develop.

The S&P 500 is an index of stocks compiled by Standard & Poor's, a division of The McGraw-Hill Companies, Inc.  The index includes a representative sample of 500 leading companies in leading industries of the U.S. economy