A minimum deposit of $1,000.00 is needed to open this account.

      Interest rate and annual percentage yield may change at maturity.

      At bank's discretion, the interest rate on the account may change at maturity.

      If the account is closed before interest is credited, credit for the accrued interest will be given.

      The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

      Interest begins to accrue no later than the business day on which we receive credit for the deposit of non-cash items, such as checks.

      If you withdraw any principal before the maturity date, a penalty may be charged to your account.

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

      Fees could reduce the earnings on this account.

      Early withdrawals are subject to penalties.

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