Effective: May 29, 2008

Certificates of Deposit Specials

Does not automatically renew

Effect of closing account - If you close your account before interest is credited, you will not receive the accrued interest.

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

• CD Early withdrawal penalties: (a penalty may be imposed for withdrawals before maturity)

• If your account has an original maturity of less than one year:

  * The fee we may impose will equal one months interest on the amount withdrawn subject to penalty.

• If your account has an original maturity of more than on year:

  * The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.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.
  

  Passbook Savings: If during any quarter, your average daily balance falls below $50.00, your account will be subject to a $1.25 Service Fee for that quarter.
  

  Rates subject to change without notice