Certificates of Deposit & IRA's

6 MONTH CERTIFICATE OF DEPOSIT

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the full term of the certificate. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly unless otherwise directed by you.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 6 months. If you withdraw any of the principal before the maturity date we may impose a penalty of three months' interest on the amount withdrawn for time deposits with an original maturity of one year or less. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

ONE YEAR CERTIFICATE OF DEPOSIT

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 12 months. If you withdraw any of the principal before the maturity date we may impose a penalty of three months' interest on the amount withdrawn for time deposits with an original maturity of one year or less. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

2 YEAR CERTIFICATE OF DEPOSIT

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 24 months. If you withdraw any of the principal before the maturity date we may impose a penalty of six months' interest on the amount withdrawn for time deposits with an original maturity over one year thru three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

3 YEAR CERTIFICATE OF DEPOSIT

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 36 months. If you withdraw any of the principal before the maturity date we may impose a penalty of six months' interest on the amount withdrawn for time deposits with an original maturity over one year thru three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

4 YEAR CERTIFICATE OF DEPOSIT

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 48 months. If you withdraw any of the principal before the maturity date we may impose a penalty of twelve months' interest on the amount withdrawn for time deposits with an original maturity exceeding three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

5 YEAR CERTIFICATE OF DEPOSIT

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 60 months. If you withdraw any of the principal before the maturity date we may impose a penalty of twelve months' interest on the amount withdrawn for time deposits with an original maturity exceeding three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty.

MARK TO MARKET CERTIFICATE OF DEPOSIT

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees: During the 10 day grace period after CD matures you will not receive the accrued interest if the CD is withdrawn.

Time Account Information: Your account will mature in 3 years. If you withdraw any of the principal before the maturity date we may impose a penalty of six months' interest on the amount withdrawn for time deposits with an original maturity over one year thru three years. No partial principal withdrawals will be allowed. (Exceptions listed in Deposit Account Agreement and Disclosure.) We will use the nominal (simple interest) rate in effect to calculate the amount of the penalty. We will charge the penalty first against the interest remaining in the account at the time of the withdrawal, and any excess penalty will be deducted from the amount you withdraw. If you close the account before interest is credited, you will not receive the accrued interest. The annual percentage yield assumes interest compounds quarterly and will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. The Mark to Market CD offers a one time modification feature. During the term of the CD you are allowed to rewrite your CD to any other current interest rate and term being offered by the bank. When exercising this modification option the Mark to Market CD is not subject to an early withdrawal penalty.

IRA's

IRA's are offered under the same maturities and interest rates as Certificates of Deposit.