RATE INFORMATION
You will be paid the disclosed interest rate until first maturity.

COMPOUNDING FREQUENCY
Interest will be compounded every day.

CREDITING FREQUENCY
Interest will be credited to your account quarterly, semiannually or annually.

MINIMUM BALANCE TO OPEN THE ACCOUNT
You must deposit $1,000.00 to open this account.

MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED
You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

DAILY BALANCE COMPUTATION METHOD
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NON-CASH DEPOSITS
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

TRANSACTION LIMITATIONS
You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Other transaction limitations may apply if this certificate is designated as an individual retirement account. See your IRA Plan Disclosure for other transaction limitations.

EARLY WITHDRAWAL PENALTIES
A penalty may be imposed for withdrawals before maturity. The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, or if this is an IRA and the owner of the IRA is 59-1/2 or older, where we may waive or reduce this penalty. See your plan disclosure for any other penalties that may be imposed, if this account is part of an IRA or other tax qualified plan.

WITHDRAWAL OF INTEREST PRIOR TO MATURITY
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

AUTOMATICALLY RENEWABLE TIME ACCOUNT
This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The renewal interest rate, on the maturity date, will be the same we offer on new time deposits which have the same term, minimum balance (if any) and other features as the original time deposit. You have ten calendar days (grace period) after maturity to withdraw the funds without a penalty.

Or

NON-AUTOMATICALLY RENEWABLE TIME ACCOUNT
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

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