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Fees: Please refer to our separate fee schedule for additional information about fees and charges. INTEREST CHECKING ACCOUNT Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $100.00 to open this account. Minimum balance to avoid imposition of fees - A service charge fee will be imposed every statement cycle unless you maintain either a minimum daily balance of $500.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees: Please refer to our separate fee schedule for additional information about fees and charges. MONEY MARKET ADVANTAGE ACCOUNT Rate
Information Tier 1 -Your interest rate and annual percentage
yield may change. Frequency of rate changes - We may change the
interest rate on your account at any time. Determination
of rate -At our discretion, we may change the interest rate on your account. Compounding and crediting frequency -Interest will not be compounded. Interest will be credited to your account every month. Minimum balance to open the account -You must deposit $50,000.00 to open this account. 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: MONEY MARKET ACCOUNT Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $100.00 to open this account. Minimum balance to avoid imposition of fees - A service charge fee will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties. Fees: Please refer to our separate fee schedule for additional information about fees and charges. SAVINGS ACCOUNT Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every quarter. Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $50.00 to open this account. 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. CERTIFICATE OF DEPOSIT Rate Information -
Compounding frequency - Interest will be compounded every day. Payment Options:
Minimum balance to open the account - You must deposit $1,000.00 to open a Certificate of Deposit. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 for Certificates of Deposit 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 business day you deposit noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. 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. Time requirements - Your account will mature ---------------------------------------------------------------------------------------------------------------------------- . Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan. 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 the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. 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 date. 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 a penalty. INDIVIDUAL RETIREMENT ACCOUNT 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 day. Crediting frequency - Interest will be credited to your account every year. Minimum balance to open the account - You must deposit $1,000.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 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 business day you deposit noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw interest from your account before maturity. Time requirements - Your account will mature ---------------------------------------------------------------------------------------------------------------------------- . Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan. 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 the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. 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 date. 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 a penalty.
COMMON FEATURES Please refer to our separate fee schedule for additional information about charges. Check printing - (fee depends on style of check ordered) Dormant account fee - refer to separate fee schedule ( this fee is charged each month) We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal. 
Customer
Service 1-877-738-6391
180844-020 Rev.
2/04
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