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Bump Up Your Savings!

With a Howard Bump Up CD, you can raise your rate once during the term
so you never miss out on a higher rate.*

Limited time offer.

*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the 25-month term of the certificate. $500.00 minimum opening balance up to a maximum of
$1,000,000.00. If the standard published rate applicable for the certificate’s term goes up as a result of another promotion, you may elect to bump up or exchange the rate on your account
for the higher rate which will be paid for the remainder of the initial term. Option to bump up rate is one time only during the initial term and requires you to visit a Howard Bank branch
to redeem before the certificate’s maturity date. Interest is compounded daily and credited monthly. Penalties will be imposed for early withdrawal, which is 180 days interest, and could
reduce the initial principal invested. Consult your tax or legal advisor on your specific situation. Advertised promotional rate is the current rate as of 06/01/2018. Offer good for the initial
term only and the certificate is automatically renewed at a 25-month term at our standard published rate listed at Advertised promotional rate and APY are offered at
the Bank’s discretion and may change daily. This is a limited time offer.

© 2018 Howard Bank. Member FDIC.