CERTIFICATE OF DEPOSIT DISCLOSURE

CERTIFICATE OF DEPOSIT DISCLOSURE OF ACCOUNT TERMS

The current interest rate and annual percentage yield can be obtained by calling    or .

The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Minimum deposit amounts to open a certificate and obtain the stated APY are:
Terms Less that 12 months———-$2500.00
Terms of 12 months or longer_______$1000.00

Interest is compounded and credited at maturity for terms of less than 12 months. Interest is compounded and credited semi-annually for terms of 12 months or longer. Interest begins to accrue on the business day you deposit any noncash item (for example, checks). 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.

We will automatically renew this certificate on each succeeding maturity date. Each renewal rate will be the same that we offer on new certificates, which have the same term and other features as this certificate. We will not automatically renew this certificate (1) if you tell us not to do so, in writing, on or before the next maturity date, or (2) if you present this certificate to us for payment on or within 10 calendar days after the maturity date. We will not pay interest after the last maturity date if this certificate is not automatically renewed.

EARLY WITHDRAWAL PENALTY
After the account is opened, you may not make deposits into or withdrawals from the account until the maturity date. If any of the deposit is withdrawn before the maturity date, a penalty will be imposed.

An early withdrawal will be permitted without penalty if any account holder dies or is declared incompetent. Any withdrawal that would reduce the balance remaining in the account below the minimum deposit stated above, will be treated as a withdrawal of the entire account balance.