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INDIVIDUAL RETIREMENT ACCOUNTS
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AUTOMATIC DRAFT



INDIVIDUAL RETIREMENT ACCOUNTS

IRA plans can be set up as eighteen-month variable certificates or as 18, 24, or 36 month fixed certificates. The minimum balance to open an IRA is $500. There are no annual maintenance fees. Interest is compounded daily and paid at maturity. Penalties for early withdrawal vary depending upon the original term of the certificate. A 91day interest penalty will be assessed on all IRAs regardless of maturity date.

These early withdrawal penalties may invade principal. Complete account disclosures, with current annual percentage yield information, are available upon request.