Rates subject to change without notice.

Interest is compounded quarterly on CDs, with maturities of nine months or more. For CDs with maturities of seven (7) days to nine (9) months, interest is not compounded. Interest can be paid monthly, quarterly, semiannually, annually or at maturity.

The balance on which interest is computed for a CD is determined by the average daily balance. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (e.g. checks). A CD will automatically renew at maturity. You have seven (7) calendar days after the maturity date to withdraw funds without penalty. If account is closed before interest is credited, accrued interest will not be paid. You may not make withdrawals from this account until maturity.

If you withdraw any funds before maturity, your account may be charged on early withdrawal penalty. A penalty in an amount equal to 30 days interest may be assessed on maturities of seven (7) days to nine (9) months. A penalty in an amount equal to 90 days interest may be assessed on maturities of nine (9) months to five (5) years. This early withdrawal penalty may invade principal.