30 DAY CD |

BASIC INFORMATION:Minimum deposit is $10,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one(1) month's interest. Account matures in 30 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

91 DAY CD |

BASIC INFORMATION:Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one(1) month's interest. Account matures in 91 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

182 DAY CD |

BASIC INFORMATION:Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one(1) month's interest. Account matures in 182 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

12 MONTH CD |

BASIC INFORMATION:Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to three(3) months' interest. Account matures in 12 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

18 MONTH CD |

BASIC INFORMATION:Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to three(3) months' interest. Account matures in 18 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

30 MONTH CD |

BASIC INFORMATION:Minimum deposit is $1,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to three(3) months' interest. Account matures in 30 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

24 MONTH RATE CHANGER CD |

BASIC INFORMATION:Minimum deposit is $10,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to six(6) months' interest. Account matures in 24 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity. You have the option of changing the interest rate once before maturity. You must exercise this option by notifying us in writing.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

36 MONTH RATE CHANGER CD |

BASIC INFORMATION:Minimum deposit is $10,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to six(6) month's interest. Account matures in 36 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity. You have the option of changing the interest rate twice before maturity. You must exercise your options by notifying us in writing.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

60 MONTH RATE CHANGER CD |

BASIC INFORMATION:Minimum deposit is $10,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to six(6) month's interest. Account matures in 60 months. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity. You have the option of changing the interest rate twice before maturity. You must exercise your options by notifying us in writing.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

120 MONTH RATE CHANGER CD |

BASIC INFORMATION:Minimum deposit is $10,000. Maximum deposit is $1,000,000. Withdrawals made before maturity are subject to a fee equal to one(1) month's interest. Account matures in 30 days. If you do not select the automatic renewal option, the funds will no longer earn interest after maturity. You have the option of changing the interest rate twice before maturity. You must exercise your options by notifying us in writing.
BALANCE INFORMATION:We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10,000 in the account each day to obtain the annual percentage yield. Interest rate information is available at either of our locations. |

TRADITIONAL IRA |

BASIC INFORMATION:Minimum deposit is $1,000. Interest will be compounded quarterly and will be credited quarterly. If you withdraw any of the principal before the maturity date, we will impose a penalty of 30 days interest.
BALANCE INFORMATION:We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day. |

ROTH IRA |

BASIC INFORMATION:Minimum deposit is $1,000. Interest will be compounded quarterly and will be credited quarterly. If you withdraw any of the principal before the maturity date, we will impose a penalty of 30 days interest.
BALANCE INFORMATION:We use the daily balance method to calculate interest on this account. This method applies a daily periodic rate to the principal in the account each day. |