Certificate of Deposit

• If your account has an original maturity of two years or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than two years: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.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, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

Capitalization - interest added to principal; Automatic deposit - Interest is transferred to an internal checking or savings account

Transaction Limitations:

Daily Balance Computation Method:

Accrual of interest on noncash deposits:

Automatically renewable time account:

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 as the original time deposit.

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

• If your account has an original maturity of two years or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than two years: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.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, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

Automatically renewable time account:

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 as the original time deposit.

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

(a penalty may be imposed for withdrawals before maturity)

• If your account has an original maturity of two years or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than two years: 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, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

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

You may make withdrawals of principal from your account before maturity. 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 can withdraw interest any time during the term of crediting after it is credited to your account.

Automatically renewable time account:

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 as the original time deposit.

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

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

You may make withdrawals of principal from your account before maturity. 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 can withdraw interest any time during the term of crediting after it is credited to your account.

Daily Balance Computation Method:

Accrual of interest on noncash deposits:

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 a notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final 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 as the original time deposit.

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

(a penalty may be imposed for withdrawals before maturity)

• If your account has an original maturity of two years or less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than two years: 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, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

Withdrawal of interest prior to maturity: