Three Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 91 days. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 91 days. If you withdraw any of the principal before the maturity date we may impose a penalty of loss of accrued interest or 7 days interest if withdrawn within the first 6 days after the day of deposit. Early withdrawal of Certificate of Deposit requires all joint owners signatures. If the account is closed before interest is credited, you will not receive the accrued interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

6 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 6 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 6 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 3 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

12 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 3 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

18 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 18 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 6 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

24 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 6 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

36 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 6 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

48 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 48 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 48 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 6 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.

60 Month Certificate of Deposit

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: After the CD matures, you will not receive interest accrued during the 10 day grace period if CD is withdrawn.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 6 months interest. Early withdrawal of Certificate of Deposit requires all joint owners signatures. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty.