Account Type	Minimum Opening Deposit	Additional Deposits	Auto Renew
92-182 day CD Under $100,000 more»	$2,500.00	No	Yes
92-182 day CD Under $100,000 You must deposit $2,500 to open this account The interest rate and annual percentage yield will not change for the term of the account Interest begins to accrue on the day you deposit Interest is compounded daily and credited at maturity The annual percentage yield assumes interest will remain on deposit until maturity You may not make additional deposits to this account You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 31 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
183-364 day CD Under $100,000 more»	$2,500.00	No	Yes
183-364 day CD Under $100,000 You must deposit $2,500 to open this account The interest rate and annual percentage yield will not change for the term of the account Interest begins to accrue on the day you deposit Interest is compounded daily and credited at maturity The annual percentage yield assumes interest will remain on deposit until maturity You may not make additional deposits to this account You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 31 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
12-23 month CD Under $100,000 more»	$2,500.00	No	Yes
12-23 month CD Under $100,000 You must deposit $2,500 to open this account The interest rate and annual percentage yield will not change for the term of the account Interest begins to accrue on the day you deposit Interest is compounded daily and credited quarterly The annual percentage yield assumes interest will remain on deposit until maturity You may not make additional deposits to this account You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 91 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
24-35 month CD Under $100,000 more»	$2,500.00	No	Yes
24-35 month CD Under $100,000 You must deposit $2,500 to open this account The interest rate and annual percentage yield will not change for the term of the account Interest begins to accrue on the day you deposit Interest is compounded daily and credited quarterly The annual percentage yield assumes interest will remain on deposit until maturity You may not make additional deposits to this account You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 91 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
36-47 month CD Under $100,000 more»	$2,500.00	No	Yes
36-47 month CD Under $100,000 You must deposit $2,500 to open this account The interest rate and annual percentage yield will not change for the term of the account Interest begins to accrue on the day you deposit Interest is compounded daily and credited quarterly The annual percentage yield assumes interest will remain on deposit until maturity You may not make additional deposits to this account You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 91 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
48-60 month CD Under $100,000 more»	$2,500.00	No	Yes
48-60 month CD Under $100,000 You must deposit $2,500 to open this account The interest rate and annual percentage yield will not change for the term of the account Interest begins to accrue on the day you deposit Interest is compounded daily and credited quarterly The annual percentage yield assumes interest will remain on deposit until maturity You may not make additional deposits to this account You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 91 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
11 month 1 Step CD more»	$5,000.00	Yes	Yes
11 month 1 Step CD You must deposit $5,000 to open this account. You may not deposit more than $250,000 to this account. The interest rate and annual percentage yield may change. At your discretion, you may change the interest rate on the account One (1) time to the current offering rate of the 11 Month 1 Step CD. You will be required to sign a step up request form to authorize a rate change. Interest begins to accrue on the day you deposit Interest is compounded daily and credited at maturity The annual percentage yield assumes interest will remain on deposit until maturity Additional deposits of $500.00 or more may be made at any time during the 11 month term. You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 31 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC
30 month 2 Step CD more»	$5,000.00	Yes	Yes
30 month 2 Step CD You must deposit $5,000 to open this account. You may not deposit more than $250,000 to this account. The interest rate and annual percentage yield may change. At your discretion, you may change the interest rate on the account Two (2) times to the current offering rate of the 30 Month 2 Step CD. You will be required to sign a step up request form to authorize a rate change. Interest begins to accrue on the day you deposit Interest is compounded daily and credited quarterly The annual percentage yield assumes interest will remain on deposit until maturity Additional deposits of $500.00 or more may be made at any time during the 30 month term. You may not make withdrawals from your account until the maturity date If you withdraw any of the principal before the maturity date, we may impose a penalty of 91 days interest. A withdrawal will reduce earnings. This account 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. Deposits insured by the FDIC