TRIAD COMMODITY INDEX CERTIFICATE OF DEPOSIT (ICD) by few71840

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									                   TRIAD COMMODITY INDEX CERTIFICATE OF DEPOSIT (ICD)
                           FDIC Insured - 100% Principal Protected(2)
                                 5.00 Year Term Non-Callable
 Linked to the PowerShares WilderHill Clean Energy Portfolio (Fund), Generic 1st Natural Gas ( NG )
                        Future, and Generic 1st Crude Light ( CL ) Future


Type:                                    FDIC Insured, Index Certificate of Deposit

Issuer:                                  West Bank, West Des Moines, IA

Term:                                    5 Years

FDIC Insurance:                          Up to $100,000 per account, $250,000 per retirement account, subject to FDIC rules and
                                         regulations

Currency:                                US Dollar ( USD )

Minimum Investment:                      Increments of $1,000.00 USD

Issue Size                               $5,000,000.00 - $10,000,000.00 USD

Issue Date:                              July 16, 2007

Strike Date:                             July 17, 2007

Payment/Settlement Date:                 July 20, 2007

Expiration Date:                         July 17, 2012

Initial Index Value:                     Closing market price of the Underlying Indexes on the Strike Date.

Underlying Indexes (each, an              Bloomberg Code                                Index
 Index and together, the                                                                PowerShares Wilderhill Clean Energy
 Basket )                                 PBW Equity                                    Portfolio (Fund)
                                                                                                   st
                                          NG1 COMMODITY                                 Generic 1 Natural Gas Future
                                          CL1 COMMODITY                                 Generic 1st Crude Light Future

Secondary Market:                        BDFSC may, but are not obligated to, make a market up to maturity.

Settlement:                              DTC

Cusip:                                   95144P BG 5



  This is neither an offer to sell nor a solicitation of an offer to buy the ICD described above. Offers are made only by the Disclosure Statement and the
Disclosure Supplement. The Disclosure Statement and Disclosure Supplement contain important information that should be reviewed before purchasing
 an ICD, and the Disclosure Supplement should only be read in conjunction with the Disclosure Statement. ICDs may not be suitable for every investor.
   An order can only be accepted when the offering period has closed and the bank has received the applicable deposit amounts. A confirmation, final
                              Disclosure Statement and Disclosure Supplement will be sent to each Deposit Holder at that time.




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                 TRIAD COMMODITY INDEX CERTIFICATE OF DEPOSIT (ICD)
                              FDIC Insured - 100% Principal Protected(2)
                                    5.00 Year Term Non-Callable
    Linked to the PowerShares WilderHill Clean Energy Portfolio (Fund), Generic 1st Natural Gas ( NG )
                           Future, and Generic 1st Crude Light ( CL ) Future


Principal Protection:             100% Principal protected, if held to maturity

Final Observation Date(t):        Expiration Date


Basket Return(t) :                The performance of the Basket from Strike Date to Final Observation Date (t) :

                                                                  i.e.
                                                      æ          PBW(t)                  NG1(t)                 CL1(t)     ö
                                   Basket Return(t) = ç 1/3 ´                + 1/3 ´                 + 1/3 ´               ÷ ´ 75% - 1
                                                      ç         PBWInitial             NG1 Initial             CL1 Initial ÷
                                                      è                                                                    ø
                                          with:
                                  PBW(t): closing level of the PowerShares Wilderhill Clean Energy Portfolio (Fund) on
                                  Final Observation Date (t)
                                  PBWInitial: closing level of the PowerShares Wilderhill Clean Energy Portfolio on Strike
                                  Date
                                  NG1(t): closing level of the Natural Gas Commodity on Final Observation Date (t)
                                  NG1Initial: closing level of the Natural Gas Commodity on Strike Date
                                  CL1(t): closing level of the Crude Light Commodity on Final Observation Date (t)
                                  CL1Initial: closing level of the Crude Light Commodity on Strike Date
                                  75%: participation rate


Redemption at Maturity :          On the Maturity Date, each holder of the CDs is entitled to receive the greater of:
                                  1. The Denomination: i.e. Redemption at Maturity = Denomination
                                  2. The Denomination, plus the Denomination multiplied by the performance of
                                     the Basket from Strike Date to Last Valuation Date.
                                     i.e. Redemption at Maturity = Denomination + (Denomination x Basket
                                       Return(Final))

Taxable Accounts:                 4.59%. For income tax purposes, a U.S. holder of an Index CD will be required to
                                  accrue interest income on the Index CD at the minimum Applicable Federal Rate (AFR)
                                  in accordance with the original issue discount (OID) rules as more fully described in the
                                  Disclosure Statement.

Death Put:                       At Par

Early Withdrawal Option:         If Secondary Market exists, early withdrawals will be honored on annually on June 30


1
    If the CDs are redeemed early, the redemption price may be less than the original deposit amount. Only CDs held to
    the maturity date will be entitled to the return of the full deposit amount.
2
    Although holders of Index CDs receive no interest until maturity, they are nonetheless subject to annual taxable income
    tax at the rate displayed above as OID Rate.



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               TRIAD COMMODITY INDEX CERTIFICATE OF DEPOSIT (ICD)
                           FDIC Insured - 100% Principal Protected(2)
                                 5.00 Year Term Non-Callable
 Linked to the PowerShares WilderHill Clean Energy Portfolio (Fund), Generic 1st Natural Gas ( NG )
                        Future, and Generic 1st Crude Light ( CL ) Future

Because of the numerous factors that may affect the value of the PowerShares WilderHill Clean Energy Portfolio (Fund),
Generic 1st Natural Gas ( NG ) Future, and Generic 1st Crude Light ( CL ) Future, no assurance can be given that holders
of the CDs will receive interest above minimum stated. No interest is earned or credited on the CDs for purpose,
including FDIC insurance, until the maturity date.
The Firm selling the CDs may not plan to make a market or to maintain a secondary market for the purchase and sale of
the CDs after their initial issuance and has no obligation to do so. There is no assurance that any secondary market will
develop or, if it develops, that it will continue. Consequently, investors may not be able to sell their CDs readily or at
prices that will enable them to realize their desired yield.
PLEASE NOTE THAT THIS PRODUCT MAY NOT BE SUITABLE FOR SOME INVESTORS. YOU SHOULD NOT INVEST
YOUR MONEY IN THIS PRODUCT IF YOU DO NOT HAVE THE INTENT OR ABILITY TO KEEP YOUR INVESTMENT IN
THIS PRODUCT UNTIL MATURITY. WHILE YOUR PRINCIPAL IS PROTECTED PURSUANT TO FDIC REGULATIONS,
YOU SHOULD NOT INVEST YOUR MONEY IN THIS PRODUCT IF YOU ARE UNABLE OR UNWILLING TO ACCEPT THE
RISK THAT YOU MIGHT RECEIVE LITTLE OR NO INTEREST ON YOUR INVESTED PRINCIPAL AT MATURITY. YOU
SHOULD NOT INVEST YOUR MONEY IN THIS PRODUCT IF YOU WANT AN INVESTMENT THAT FLUCTUATES
DIRECTLY WITH THE STOCK MARKET. YOU ARE NOT INVESTING IN A STOCK MARKET INDEX BY INVESTING
YOUR MONEY IN THIS PRODUCT. PAST PERFORMANCE INDEXES IS NO GUARANTEE OF FUTURE PERFORMANCE.

For further information refer to the Disclosure Statement.




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