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Important Disclosures
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Certificate of Deposit Disclosures
Rate Information
Interest rates indicated are paid until the maturity date of the certificate.
Frequency of Rate Change
Interest rates currently offered on all deposit accounts are determined at the bank's discretion and may change daily.
Fees
The fees that may be assessed against your account appear on the Fee Schedule. Fees may reduce earnings.
Compounding and Crediting Frequency
Interest will be compounded daily and credited to your certificate annually and at maturity. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
Minimum Balance to Open the Account
See Current Rates for the minimum opening balance requirements.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed
You must maintain the minimum opening balance to obtain 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 Non-cash Deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations
Additional deposits are only allowed at maturity. Partial withdrawals are allowed prior to maturity; however, the amount withdrawn is subject to early withdrawal penalty and the minimum withdrawal is $2,500. If a partial withdrawal is made, the remaining balance must meet minimum opening balance requirements.
Early Withdrawal Penalties
We will impose a penalty if you withdraw any of the deposited funds before the maturity date. The penalty assessed on the amount withdrawn will be assessed as follows:
| Term of Certificate |
Amount of Penalty |
| less than 1 year |
3 months interest |
| 1 year or more but less than 3 years |
6 months interest |
| 3 years or more |
12 months interest |
The penalty will be waived in the case of death. The penalty will also be waived on retirement certificates in the case of permanent disability of for customers at least age 59 1/2 seeking normal or required distribution of retirement funds.
Renewal Policies
This account will automatically be renewed at maturity. You have a grace period of
10 calendar days after the maturity date to withdraw funds before being charged a penalty.
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Treasury Index
(Treasury Index is now the only money market account we offer)
Rate information
Your interest rate and annual percentage yield may change.
Frequency of Rate Change
We may change the interest rate on your account every day.
Fees
The fees that may be assessed against your account appear on the Fee Schedule. Fees may reduce earnings.
Notice of intent to withdraw
We reserve the right to require at least seven days written notice of an intended withdrawal from your account.
Determination of Rate
The interest rate will be no less than the 13-week moving average of the 91-Day Treasury Bill average auction discount rate as of the first business day of the month.
Compounding and Crediting Frequency
Interest will be compounded every month. 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 not receive the accrued interest.
Minimum Balance to Open the Account
You must deposit $15,000 to open this account.
Maximum Balance and Account Deposits
Maximum opening deposit and account balance is $500,000. We require that deposits of $250,000 or more be made by wire transfer. Deposits may be held a minimum of
seven days.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed
You must maintain a daily balance of at least $15,000 to obtain the
Treasury Index Rate for that day. If the daily balance falls below $15,000
a lower rate will apply.
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 Non-cash Deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations
Transfers from a National Treasury Index Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per monthly statement cycle with no more than three by check, draft or similar order to third parties.
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Savings Disclosures
Rate information
Your interest rate and annual percentage yield may change.
Frequency of Rate Change
We may change the interest rate on your account every day.
Fees
The fees that may be assessed against your account appear on the Fee Schedule. Fees may reduce earnings.
Notice of intent to withdraw
We reserve the right to require at least seven days written notice of an intended withdrawal from your account.
Compounding and Crediting Frequency
Interest will be compounded and credited to your account every quarter.
Effect of Closing an Account
If you close your account before interest is credited you will not receive the accrued interest.
Minimum Balance to Open the Account
Minimum balance requirements do apply. See product description for details.
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 Non-cash Deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations
Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per monthly statement cycle with no more than three by check, draft or similar order to third parties.
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Checking Disclosures
Rate information
Your interest rate and annual percentage yield may change.
Frequency of Rate Change
We may change the interest rate on your account every day.
Fees
The fees that may be assessed against your account appear on the Fee Schedule. Fees may reduce earnings.
Notice of intent to withdraw
We reserve the right to require at least seven days written notice of an intended withdrawal from your account.
Compounding and Crediting Frequency
Interest will be compounded and credited to your account every month.
Effect of Closing an Account
If you close your account before interest is credited you will not receive the accrued interest.
Minimum Balance to Open the Account
Minimum balance requirements apply. See product description for details.
Minimum Balance to Obtain the Annual Percentage Yield Disclosed
You must maintain a minimum average daily balance of $500 to obtain the disclosed annual percentage yield. 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. A minimum balance fee of $15 will be imposed every statement cycle if the balance in the account falls below $500 any day of the cycle.
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. 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.
Accrual of Interest on Non-cash Deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction Limitations
You may make deposits into and withdrawals from your account each day.
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/Member FDIC 
