CERTIFICATE OF DEPOSIT

Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Automatically renewable account Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew.

Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew. Final maturity If your account is not renewed, the funds in the account will be paid directly to you.

If your account is not renewed, the funds in the account will be paid directly to you. Withdrawal limitations You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates.

You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty.

The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty. Withdrawal of interest prior to maturity The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. Back to top 24 MONTH CERTIFICATE: Minimum balance to open The minimum balance required to open this account is $300.00.

The minimum balance required to open this account is $300.00. Deposit limitations After the account is opened, you may not make any deposits.

After the account is opened, you may not make any deposits. Time requirements This account matures 24 months after account opening.

This account matures 24 months after account opening. Compounding frequency Interest will be compounded quarterly.

Interest will be compounded quarterly. Crediting frequency Interest will be credited into this account quarterly.

Interest will be credited into this account quarterly. Daily balance computation method Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Automatically renewable account Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew.

Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew. Final maturity If your account is not renewed, the funds in the account will be paid directly to you.

If your account is not renewed, the funds in the account will be paid directly to you. Withdrawal limitations You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates.

You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty.

The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty. Withdrawal of interest prior to maturity The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. Back to top 30 MONTH CERTIFICATE: Minimum balance to open The minimum balance required to open this account is $300.00.

The minimum balance required to open this account is $300.00. Deposit limitations After the account is opened, you may not make any deposits.

After the account is opened, you may not make any deposits. Time requirements This account matures 30 months after account opening.

This account matures 30 months after account opening. Compounding frequency Interest will be compounded quarterly.

Interest will be compounded quarterly. Crediting frequency Interest will be credited into this account quarterly.

Interest will be credited into this account quarterly. Daily balance computation method Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Automatically renewable account Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew.

Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew. Final maturity If your account is not renewed, the funds in the account will be paid directly to you.

If your account is not renewed, the funds in the account will be paid directly to you. Withdrawal limitations You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates.

You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty.

The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty. Withdrawal of interest prior to maturity The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. Back to top 36 MONTH CERTIFICATE: Minimum balance to open The minimum balance required to open this account is $300.00.

The minimum balance required to open this account is $300.00. Deposit limitations After the account is opened, you may not make any deposits.

After the account is opened, you may not make any deposits. Time requirements This account matures 36 months after account opening.

This account matures 36 months after account opening. Compounding frequency Interest will be compounded quarterly.

Interest will be compounded quarterly. Crediting frequency Interest will be credited into this account quarterly.

Interest will be credited into this account quarterly. Daily balance computation method Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Automatically renewable account Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew.

Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew. Final maturity If your account is not renewed, the funds in the account will be paid directly to you.

If your account is not renewed, the funds in the account will be paid directly to you. Withdrawal limitations You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates.

You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty.

The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty. Withdrawal of interest prior to maturity The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. Back to top 48 MONTH CERTIFICATE: Minimum balance to open The minimum balance required to open this account is $300.00.

The minimum balance required to open this account is $300.00. Deposit limitations After the account is opened, you may not make any deposits.

After the account is opened, you may not make any deposits. Time requirements This account matures 48 months after account opening.

This account matures 48 months after account opening. Compounding frequency Interest will be compounded quarterly.

Interest will be compounded quarterly. Crediting frequency Interest will be credited into this account quarterly.

Interest will be credited into this account quarterly. Daily balance computation method Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of interest on noncash deposits Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account. Automatically renewable account Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew.

Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written or telephone notice from you before maturity of your intention not to renew. Final maturity If your account is not renewed, the funds in the account will be paid directly to you.

If your account is not renewed, the funds in the account will be paid directly to you. Withdrawal limitations You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates.

You may not make withdrawals of principal from your account before maturity. You can only withdraw credited interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting. You can withdraw interest only on the crediting dates. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty.

The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases required, the waiver of the early withdrawal penalty. Withdrawal of interest prior to maturity The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.