CDs & IRAs

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
3 Month CD	.20%	.20%	$1,000.00
6 Month CD	.25%	.25%	$1,000.00
12 Month CD	.50%	.50%	$1,000.00
18 Month CD	.75%	.75%	$1,000.00
24 Month CD	.80%	.80%	$1,000.00
30 Month CD	.85%	.85%	$1,000.00
36 Month CD	.90%	.90%	$1,000.00
48 Month CD	1.40%	1.41%	$1,000.00
60 Month CD	1.50%	1.51%	$1,000.00

Minimum deposit to open and earn interest is $1,000.
The interest rate and APY will not change for the term of the account
Interest begins to accrue on the day of deposit
Interest is compounded daily and credited monthly
The APY assumes interest will remain on deposit until maturity
You may not make additional deposits or withdrawals until the maturity date
A penalty will be imposed for withdrawals when made before maturity
These CDs will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

Choice CDs & IRAs

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
11 Month Choice CD	.35%	.35%	$5,000.00
30 Month Choice CD	.70%	.70%	$5,000.00

Minimum deposit to open and earn interest is $5,000.
You may not deposit more than $250,000 to this account
The interest rate and APY may change. At your discretion, you may change the interest rate on the 11 Month Choice CD one (1) time to the current offered rate of the 11 Month Choice CD. You may change the interest rate on the 30 Month Choice CD two (2) times to the current offered rate of the 30 Month Choice CD. You will be required to sign an interest rate change request form to authorize a rate change
Interest begins to accrue on the day of the deposit
Interest is compounded daily and credited monthly
The APY assumes interest will remain on deposit until maturity
Additional deposits of $500 or more may be made at any time during the term
You may make one (1) penalty free principal withdrawal from your account prior to the maturity date
A penalty will be imposed for additional withdrawals when made before maturity
These CDs will automatically renew. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
15 Month CD	1.73%	1.75%	$5,000.00
42 Month CD	2.09%	2.11%	$5,000.00

Minimum deposit to open and earn interest is $5,000.
The interest rate and APY will not change for the term of the account
Interest begins to accrue on the day of deposit
Interest is compounded daily and credited monthly
The APY assumes interest will remain on deposit until maturity
You may not make additional deposits or withdrawals until the maturity date
A penalty will be imposed for withdrawals when made before maturity
These CDs will automatically renew. You will have 10 calendar days afer the maturity date to withdraw funds without penalty. If you do not withdraw the funds, the 15 month CD will renew at the current 18 month rate and term; and the 42 month CD will renew at the current 48 month rate and term