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*Annual Percentage Yield (APY) is accurate as of 03/15/10 and is subject to change at any time. Minimum opening deposit is $10,000. Please contact the Bank for further information about applicable features and terms. 1. Additional deposits: Additional deposits are allowed prior to the initial maturity date. Additional deposits must be in the amount of $1,000.00 or more. 2. One-time penalty-free withdrawal: You may make one withdrawal without penalty for up to 50% of the principal balance if the funds have been deposited in the account for 90 days or longer. Any further withdrawals or any withdrawal made prior to 90 days will be subject to an early withdrawal penalty. Any withdrawal that reduces the account balance to below the minimum opening balance will be considered a withdrawal of the entire account balance and will be subject to an early withdrawal penalty. 3. One-time rate bump: You may exercise a one-time rate bump prior to the initial maturity date. If you exercise this feature, the TDA will be extended for 12 months at the posted rate at that time and you will forfeit the additional deposits and one-time penalty-free withdrawal features.

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