Crediting frequency: Interest will be credited to your account annually.

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 non cash items (for example, checks).

You may make unlimited deposits into your account.

You may make withdrawals of principal from your account before maturity.

You can withdraw only interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates.

Early withdrawal penalties (A penalty may be imposed for withdrawals before maturity):

The fee we may impose will equal 31 days interest on the amount withdrawn subject to penalty.

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.

Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Non-automatically renewable time account: This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.