RATE INFORMATION: 
Single Fixed Rate:  The interest rate on your account is __________% with an annual percentage yield of __________%. You will be paid this rate.

COMPOUNDING FREQUENCY: Interest will be compounded ______________________________.

CREDITING FREQUENCY:

	Interest will not be credited to your account
	Interest will be credited to your account

EFFECT OF CLOSING AN ACCOUNT:  If you close your account before interest is credited, you will receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS:
To Open The Account:  You must deposit $1,000.00 to open this account.

BALANCE COMPUTATION METHOD:  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in your account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:  Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS:  After the account is opened, you may not make deposits into your account until the maturity date.

TIME DEPOSIT REQUIREMENTS:

Your account will mature on ____________________.

The annual percentage yield assumes interest remains on deposit until maturity.  A withdrawal will reduce earnings.

We will impose a penalty if you withdraw any of the principal before the maturity date. 

We may impose a penalty if you withdraw any of the principal before the maturity date.  The fee we may impose will equal 30 days of interest on accounts with a term of one year or less.  The fee we may impose will equal 90 days of interest on accounts with a term greater than one year. The fee we may impose will equal 180 days of interest on terms 42 months of greater.

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