Personal Certificates of Deposit

• Interest rates vary by term of certificates.

• Ten calendar day grace period at maturity.

• Automatically renews at maturity at current rate being offered.

Note: Interest Rate offerings are subject to change weekly.

Early Withdrawal Penalties

• CD's 12 months and under forfeit one month’s interest.

• CD's over 12 months, forfeit three month’s interest.

• The 53 month CD forfeits six month's interest.

• Early withdrawal may reduce earnings.

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PERSONAL BANKING