Truth-In-Savings Disclosure

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Certificates of Deposit

Three Month Certificate of Deposit

Compounding frequency - Interest will be compounded at maturity.

Crediting frequency - Interest will be credited to your account at maturity.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
• You cannot withdraw interest from your account before maturity.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature three months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose will equal one months interest on the amount withdrawn subject to penalty.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 the waiver of the early withdrawal penalty.

Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings plan.

Automatically renewable time account - This account will automatically renew at maturity. You will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued account of like term.

Six Month Certificate of Deposit

Compounding frequency - Interest will be compounded at maturity.

Crediting frequency - Interest will be credited to your account at maturity.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity, but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You cannot withdraw interest from your account before maturity.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature six months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this part if an IRA or other tax deferred savings plan.

Automatically renewable time account - This account will automatically renew at maturity. You will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

One Year Certificate of Deposit

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without a penalty.
• You may not make withdrawals from the account if we have not received your identification number within 60 days of the account being opened

Time requirements - Your account will mature 12 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Eighteen Month Certificate of Deposit

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without a penalty.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time requirements – Your account will mature 18 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)- The fee we may impose will equal six 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Two Year Certificate of Deposit

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without a penalty.
• You may not make withdrawals from the account if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature 24 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose will equal six 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Thirty Month Certificate of Deposit

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without a penalty.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time requirements – Your account will mature 30 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)- The fee we may impose will equal six 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Three Year Certificate of Deposit

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without a penalty.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature 36 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose will equal six 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Four Year Certificate of Deposit

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without a penalty.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature 48 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)- The fee we may impose will equal six 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Five Year Certificate of Deposit

Compounding Frequency - Interest will be compounded every quarter.

Crediting Frequency - Interest will be credited to your account every quarter.

Effect of Closing an Account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum Balance to Open the Account - You must deposit $500.00 to open this account.

Daily Balance Computation Method - We use the daily balance method to calculate the interest on your account. The 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).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term without penalty.
• You may not make withdrawals from the account, if we have not received your identification number within 60 days of the account being opened.

Time Requirement - Your account will mature 60 months from the date of the original issue.

Early Withdrawal Penalties - (A penalty may be imposed for withdrawals before maturity.) The fee we may impose will be equal to nine 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of a IRA or other tax deferred savings 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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

18 Month Variable Rate IRA Certificate of Deposit

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

• IRS limitation applies.
• You may make unlimited deposits into your account.
• There are no limitations on the frequency or timing of additional deposits.
• You may make withdrawals of principal from your account before maturity, but a penalty may be imposed. (Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.)
• You can only withdraw interest credited in the term before maturity of that term, subject to penalty.
• You may not make withdrawals from the account if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature 18 months from the date of original issue.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose will equal six 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 the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax deferred savings plan.

For any time deposit, which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of withdrawal.

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 will have ten calendar days after maturity to withdraw the funds without a penalty.

Each renewal will be for a like term at the best available rate as posted by us for similarly issued accounts of like term.

Click, Certificate Rates for current rate information.

25 Month

Compounding frequency - Interest will be compounded every quarter.

Crediting frequency - Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $500.00 to open this account.

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 noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example checks).

• You may not make any deposits into your account before maturity.
• You may make withdrawals of principal from your account before maturity but a penalty may be imposed..
• You can only withdraw interest credited in the term before maturity of that term without penalty.
• You may not make withdrawals from the account if we have not received your identification number within 60 days of the account being opened.

Time requirements - Your account will mature 25 months from the date of original issue.

Early withdrawal penalties - (A penalty may be imposed for withdrawals before maturity.) The fee we may impose will be equal to six months 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.

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 to a 2-year term. You will have ten calendar days after maturity to withdraw the funds without a penalty.