*Minimum Balance Requirement: You must make a minimum deposit to open this account as stated above. You must maintain this minimum balance on a daily basis to earn the disclosed annual percentage yield. Maturity Date: Each CD account matures at the conclusion of the term of the original CD. CD Terms: You must notify us in writing before or within a 10-day grace period after, the maturity date, if you do not want your account to automatically renew or change the terms of, or withdraw money from your CD. Interest is not paid during the grace period unless renewed. Annual percentage yield assumes interest will remain on deposit until maturity and a withdrawal will reduce earnings. 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.). Compounding and crediting for Certificate of Deposit Accounts - Interest will be compounded every 3 months and interest will be added back to the principal every three months. We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal from an interest bearing account. 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. Early Withdrawal Penalties: 3 month Term will equal 1 month of accrued interest. Terms of 4 - 6 months will equal 3 months of accrued interest. Terms of 7 - 17 months will equal 6 months of accrued interest. Terms of 18 months or greater will equal 12 months of accrued interest. Transaction Limitations: You cannot make additional deposits to this account during a term (other than credited interest). You cannot withdraw principal from this account without our consent except on or after maturity. (For accounts that automatically renew, there is a grace period after each renewal date during which withdrawals are permitted without penalty.).