_____ 7 TO 90 DAY CERTIFICATE OF DEPOSIT

_____ 91 DAY CERTIFICATE OF DEPOSIT

_____ 182 TO 364 DAY CERTIFICATE OF DEPOSIT

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

COMPOUNDING FREQUENCY
Interest will not be compounded.

CREDITING FREQUENCY
Interest will be credited to your account at maturity or monthly, at your discretion.

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 IN INTEREST ON NONCASH 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 withdraw interest accrued in the term before maturity of that term without penalty.

EARLY WITHDRAWAL PENALITIES
A penalty may be imposed for withdrawals before maturity. The fee we may impose will equal 30 days interest on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

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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