Certificates of Deposit
3 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
6 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
12 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
18 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
24 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
36 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
48 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
60 Month Certificate of Deposit
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
30 Month Certificate of Deposit (Special)
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
17 Month Certificate of Deposit (Special)
 Rate Information – The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
 Compounding Frequency – Interest will be compounded every quarter.
 Credit Frequency – Interest will be credited to your account every quarter.
 Minimum balance to open the account – You must deposit $500.00 to open this account.
 Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
 Daily balance computation method – 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.
 Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
 Transaction limitations – You may not make any deposits into your account before maturity. 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.
 Early withdrawal penalty – If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will equal three months’ interest on the amount withdrawn. There are certain circumstances, such as the death or incompetence of an owner, where the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA.
 Withdrawal of interest prior to maturity – The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
 Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within any grace period mentioned below) or we receive written notice from you within any grace period mentioned below. We can prevent renewal if we mail 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 day. 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 penalty.
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