**Minimum balance to open the account-** You must deposit $50.00 to open this account.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $100.00 to open this account.

**Minimum balance to avoid imposition of fees-** A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $1.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $200.00 to open this account.

**Minimum balance to avoid imposition of fees-** A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $1.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks)

**For Customers 50+**

**Minimum balance to open account-** You must deposit $100.00 to open this account.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every quarter. Interest will be credited to your account every quarter.

**Effect of closing an account-** If you close your account before interest in credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $50.00 to open this account.

**Minimum balance to avoid imposition of fees-** A service charge of $9.00 will be imposed every quarter if the balance in the account falls below $50.00 any day of the quarter.

**Minimum balance to obtain annual percentage yield disclosed-** You must maintain a minimum balance of $50.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may make up to six transfers per month from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers. No more than three transfers may be made by check, draft, or similar order to third parties.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited; you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $100.00 to open this account.

**Minimum balance to avoid imposition of fees-** A service charge of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

**Minimum balance to obtain the annual percentage yield disclosed-** you must maintain a minimum balance of $1.00 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 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).

**Transaction Limitations:**

You may make up to six transfers per month from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers. No more than three transfers may be made by check, draft, or similar order to third parties

**Customers 50+**

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $100.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $100.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may make up to six transfers per month from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers. No more than three transfers may be made by check, draft, or similar order to third parties.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every quarter. 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 not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $50.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

**Minimum balance to avoid imposition of fees-** A service charge of $3.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.

**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).

**Transaction limitations:**

You may not make any withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

**Fees:**

A per item fee of $1.00 will be charged for each withdrawal in excess of nine during a quarter.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $5.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $1.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may make up to six transfers per month from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers. No more than three transfers may be made by check, draft, or similar order to third parties.

**Fees:**

A per item fee of $1.00 will be charged for each withdrawal in excess of three during a cycle.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $1,000.00 to open this account.

**Minimum balance to avoid imposition of fees-** A service charge of $10.00 will be imposed every month if the balance in the account falls below $1,000.00 any day of the month.

**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 on 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).

**Transaction limitations:**

You may make up to six transfers per month from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers. No more than three transfers may be made by check, draft, or similar order to third parties.

**Fees:**

A per check fee of $10.00 will be charged for each check paid in excess of three during a statement cycle which are payable to a third party.

A per transfer fee of $10.00 will be charged for each excessive preauthorized, automatic, telephone, and / or computer transfer when the sum of the transfers and checks paid exceeds six during a statement cycle.

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

**Frequency of rate changes-** We may change the interest rate on your account at any time.

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

**Compounding and crediting frequency-** Interest will be compounded every month. Interest will be credited to your account every month.

**Effect of closing an account-** If you close your account before interest is credited, you will not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $20,000.00 to open this account

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $20,000.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may make up to six transfers per month from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer. No more than three transfers may be made by check, draft, or similar order to third parties.

**Fees:**

A per check fee of $10.00 will be charged for each check paid in excess of three during a statement cycle which are payable to a third party.

A per transfer fee of $10.00 will be charged for each excessive preauthorized, automatic, telephone, and/or computer transfer when the sum of the transfers and checks paid exceeds six during a statement cycle.

**Rate Information-** You will be paid the disclosed interest rate until first maturity.

We will never decrease this rate unless we first give you at least 30 days notice in writing.

**Compounding and crediting frequency-** Interest will not be compounded. 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 not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $10.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $10.00 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may not make any withdrawals or transfers to another account or to a third party by means of a preauthorized, automatic, telephonic order or instruction, computer transfer, or similar order to a third party.

The account has a maximum account balance of $10,000.00.

**Rate Information-** You will be paid the disclosed rate until first maturity.

**Compounding frequency-** Interest will not be compounded.

**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 not receive the accrued interest.

**Minimum balance to open the account-** You must deposit $1,000.00 ($100.00 for an IRA CD) to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $1,000.00($100.00 for an IRA CD) 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may not make any deposits into your account before maturity.

You may not make withdrawals of principal from your account before maturity.

You cannot withdrawal interest from your account before maturity.

**Early withdrawal penalties-** (a penalty may be imposed for withdrawals before maturity)

The fee we may impose will equal 90 days 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 requires, 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 may prevent renewal if you withdraw the funds in the account at maturity ( or within the grace period mentioned below, if any ) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features and the original time deposit.

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

**Rate Information-** You will be paid the disclosed rate until first maturity.

**Compounding frequency-** Interest will be compounded every quarter.

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

**Minimum balance to open the account-** You must deposit $1,000.00 ($100.00 for an IRA CD) to open this account.

**Minimum balance to obtain the annual percentage yield disclosed-** You must maintain a minimum balance of $1,000.00 ($100.00 for an IRA CD) 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 of interest on noncash deposits-** Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**Transaction limitations:**

You may not make any deposits into your account before maturity.

You may not make withdrawals of principal from your account before maturity.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.

**Early withdrawal penalties** (a penalty may be imposed for withdrawals before maturity)-

The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as death or incompetence of an owner of the account, the law permits, or in some cases requires, 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 may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other penalty.

We may require not less than 7 days' notice in writing before each withdrawal from an interest- bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

We may require not les than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.