Except as specifically described, the following disclosures apply to all of the accounts.

1. Rate Information.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account.  For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. Dividend Period.  For each account, the dividend period is the account's term.  The dividend period begins on the first day of the term and ends on the maturity date.

3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends are stated in the Rate Schedule.

4. Balance Information.  The minimum balance requirements applicable to each account are set forth in the Rate Schedule.  To open any account you must deposit or already have on deposit at least the par value of one full share in any account.  The par value amount is stated in the Fee Schedule.  Some accounts may have additional minimum opening deposit requirements.  For all accounts, dividends are calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day.

5. Accrual of Dividends.  For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.  For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations.  For all accounts, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated below.

7. Maturity.  Your account will mature as stated on this Rate and Fee Schedule or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty.  We may impose a penalty if you withdraw from your account before the maturity date.

Amount of Penalty.  For all accounts, the amount of the early withdrawal penalty for your account will be a loss of all accrued dividends on the amount withdrawn.  However, the penalty will never be less than seven (7) days dividends.  In addition, the penalty will never exceed 30 days dividends for accounts with terms of one year or less, or 90 days dividends for terms longer than one year.

Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

(i)When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction

(ii)Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

Renewal Policy. The renewal policy for your accounts is stated in the Rate Schedule.  For all accounts, your account will automatically renew for another term upon maturity.  For all accounts, you have a grace period of I 0 days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable