CERTIFICATES OF DEPOSIT / IRA CERTIFICATES OF DEPOSIT

Deposit account with a fixed rate and term. Term lengths vary and will be set at account opening.

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, and will be in effect until this account matures. Interest begins to accrue on the business day you deposit noncash items (for example, checks). If you close the account before maturity, an early withdrawal penalty may be imposed. Interest will be compounded and credited at a frequency agreed to at account opening.

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

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.

The Account Information: Your account will mature in the length of time selected at account opening. Regulations require a mandatory penalty of at least seven days simple interest on amounts withdrawn within the first six days of deposit. If you withdraw any of the principal before the maturity date we may impose a penalty of all interest which would have been earned on the account at maturity on accounts with a term of 7 to 31 days; and one months interest on accounts having a term of 32 days but less than one year; and three months interest on accounts having a term of one year but less than four years, and six months interest on accounts having a term of four years or more. The principal may be invaded. At account opening, you have the options of having this account either automatically renew at maturity, or else have a single maturity date. If you elect to have it automatically renew, you will have 10 days after the maturity date to withdraw funds without penalty. If you elect single maturity, we will cease paying interest after the maturity date.