This Disclosure contains information on Time Deposit accounts, including Regular, IRA, Jumbo, Bounce-Up, Flex, and Callable certificates. Additional Disclosures, such as the Current Rates, Three Year Callable Certificate of Deposit, and/or Fee Schedule may be necessary to complete the total information package.

TERM: 30 days ( 1 month) through 120 months (10 years)

FIXED RATE ACCOUNT: The interest rate is fixed for the term of the certificate. For exceptions see the Bounce -Up certificate disclosures.

COMPOUNDING AND CREDITING: Interest is compounded daily and credited either monthly or at maturity. After crediting, the interest may remain on the account, be transferred to another Standard Bank account, or sent to you by check. (Monthly interest checks require a $10,000 minimum balance.)

MINIMUM BALANCE REQUIREMENTS: Certificates from 3 months through 10 years and the Flex have a minimum deposit of $1,000. Initial deposits are $2,500 for the 10-month Penalty-Free certificate and the Bounce-Up certificate. Jumbo certificates have a $100,000 minimum. Such minimums must also be maintained to earn the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD: We use a daily balance method to calculate the interest on your account.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS: Interest begins to accrue on the business day you deposit the funds. Interest begins to accrue on your renewed certificate on the first day of the renewal term. Any accrued interest from the old term not withdrawn prior to the end of the 10 - day grace period will become part of the principal on the renewed certificate. (Jumbo certificates pay no interest past the maturity date.)

TRANSACTION LIMITATIONS: You may not make deposits into your account until maturity. You may not make withdrawals of your principal prior to the maturity date without penalty unless you qualify for a no -penalty withdrawal.

RENEWAL OF ACCOUNT: Your account will automatically renew upon maturity. You will have 10 calendar days (the grace period) after the maturity date to withdraw your funds without being charged a penalty. You may also use this time to change the term of the account. If the change involves an addition or withdrawal to principal, we may choose to close the existing account and open a new one for the desired term and amount. In this case, interest will accrue at the renewed interest rate up to the date of withdrawal during the grace period and will be credited at that point should a closeout withdrawal occur. Alternately, if the change is only to the term and/or rate, we may choose to 'renegotiate' the maturing certificate. In this situation, the certificate will be considered to be renewed as of the maturity date, but using the rate in effect on the day of renegotiation. Such renegotiation must be done during the period beginning with the day after maturity and ending with the end of the 10 day grace period. Deposits will not be permitted after the grace period. Jumbo certificates will not automatically renew upon maturity and these funds will cease to acccrue interest at maturity.

EARLY WITHDRAWAL PENALTY: Penalties for early withdrawals are as follows (per certificate term):

30 days up to one year: an amount equal to 3 months of accrued interest, earned or not
1 year up to three years: an amount equal to 6 months of accrued interest, earned or not
3 years through 10 years: an amount equal to 12 months of accrued interest, earned or not
10-month penalty free: an amount equal to 6 months of accrued interest, earned or not if funds are withdrawn within the first 7 days. After that time, no penalty is imposed.

No early withdrawal penalty will be imposed following the death or adjudication of incompetence of any account holder. If at any time, the balance in the account falls below the required minimum, we reserve the right to impose the penalty on the entire account balance. Any remaining funds will either receive the current rate being paid on Statement Savings or will be returned to you via check, at our discretion. Interest may be withdrawn without penalty once posted to the account. Special rules may apply to Traditional IRAs for those customers over the age of 59 ½. In such case, the penalty for early withdrawal may be waived.

RATE INFORMATION: May be accessed by calling your nearest Community Banking Office or by clicking Current Rates from the navagation panel.