Requirements:

• See Web Page "Rates" for minimum deposits to open each type of account.
• This minimum balance must be maintained in your account every day to obtain the Annual Percentage Yield listed on the Web Page "Rates."

Rate Information:

• See Web Page "Rates"
• You will be paid the rate referred to on the rate table (see Web Page "Rates") for the specific type you have chosen until the maturity date of the IRA.
• The Annual Percentage Yield assumes interest remains on the deposit until maturity. A withdrawal will reduce earnings.
• Interest for your account will be paid quarterly (every three months) and added to your balance.
• Interest begins to accrue on the business day of your deposit.
• 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.

Penalty:

• If you withdraw any principal before the maturity date, a penalty equal to one month interest for IRA's with a term of 12 months will be charged to your account, unless you are over the age of 59 1/2 years, then there is no penalty for early withdrawal.
• If you withdraw any principal before the maturity date, a penalty equal to three months interest for IRA's with a term of 18 months or 2 years will be charged to your account, unless you are over the age of 59 1/2 years, then there is no penalty for early withdrawal.

Renewal Policy:

• This account will be automatically renewed at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged a penalty.