Certificate of Deposit

Fixed Rate Information	Call 979-732-2332 for current rates. You will be paid this rate until maturity.
Compounding and Crediting	Interest will be compounded daily and will be credited to your account as directed. The annual percentage yield assumed interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. Interest will be paid quarterly,annually, or at maturity as you direct.
Minimum Balance Requirements	You must deposit $500.00 to open this account. You must maintain a minimum daily balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
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 the account each day.
Accrual on Noncash Deposits	Interest begins to accrue on the business day you receive credit for the deposit of noncash items (for example: checks).
Transaction Limitation	You may make deposits into or withdrawals from your account until the maturity date. You may withdraw interest earned during the term without penalty, but if it is not withdrawn, it will be added to the principal for the renewed term.
Early Withdrawal Penalty	If you withdraw any of the deposited funds before the maturity date, a penalty will be imposed. For certificates having a maturity of one year or less, the penalty will be 30 days interest. For certificates having a maturity over one year, but less five years, the penalty will be 90 days interest. For certificates having a maturity of five years, the penalty will be 180 days interest. The penalty will be deducted after interest has been credited on the date of withdrawal.
Renewal Policies	Your account will automatically renew at maturity. You will have a grace period of ten calendar days after the maturity to withdraw the funds in the account without being charged an early withdrawal penalty.
Current Rate Information	The rate(s) and annual percentage yield(s) disclosed above were offered and accurate within the most recent seven calendar days. To obtain current rate and percentage yield information, please call 979-732-2332.