CERTIFICATE OF DEPOSIT

- The interest rate for your account will be paid until the maturity date of your certificate.

- The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

- This account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty.

- Interest begins to accrue on the business day you deposit non cash items (for example, checks)

- Interest will be compounded and credited to your account monthly or quarterly, whichever is applicable. You may receive interest by check if requested when opening the account.

- If you close your account before interest is credited, you will not receive the accrued interest.

- After the account is opened, you may not make deposits into the account until the maturity date.

- If any of the deposit is withdrawn before the maturity date, the following penalty will be imposed: 12 months or less maturity date will receive a 3 month penalty on the amount withdrawn; between 13 months and 60 months will receive a 6 month penalty on the amount withdrawn; and a 60 month maturity date will receive a 1 year penalty on the amount withdrawn.

- 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.