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IRA ACCOUNT DISCLOSURES

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

IRA FLOATING RATE CD

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 may change. At our discretion, we may change the interest on the account Weekly. The interest rate will never be less than 2.00%. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

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. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Withdrawals may be permitted at bank's discretion and may be subject to substantial early withdrawal penalties.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of loss of 6 months interest based on current rate at time of withdrawal. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you select single maturity, no interest will accrue after the maturity date.

IRA 6 MONTH CD

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 term of the certificate. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

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. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Withdrawals may be permitted at bank's discretion and may be subject to substantial early withdrawal penalties.

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 a Loss of 3 months interest based on current rate at time of withdrawal. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you select single maturity, no interest will accrue after the maturity date shown.

IRA ONE YEAR CD

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 to the term of the certificate. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

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. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Withdrawals may be permitted a bank's discretion and may be subject to substantial early withdrawal penalties.

Time Account Information: Your account will mature in 1 year. If you withdraw any of the principal before the maturity date, we may impose a penalty of Loss of 6 months interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you select single maturity, no interest will accrue after the maturity date shown.

IRA TWO YEAR CD

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 term of the certificate. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

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. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Withdrawals may be permitted at bank's discretion and may be subject to substantial early withdrawal penalties.

Time Account Information: Your account will mature in 2 years. If you withdraw any of the principal before the maturity date, we may impose a penalty of Loss of 6 months interest based on current rate at time of withdrawal. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you select single maturity, no interest will accrue after the maturity date shown.

IRA FOUR YEAR CD

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 term of the certificate. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

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. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Withdrawals may be permitted at bank's discretion and may be subject to substantial early withdrawal penalties.

Time Account Information: Your account will mature in 4 years. If you withdraw any of the principal before the maturity date, we may impose a penalty of Loss of 6 months interest based on current rate at time of withdrawal. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you select single maturity, no interest will accrue after the maturity date shown.

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