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3 120 Month Certificate of Deposit

FIXED RATE INFORMATION
Refer to the rate schedule for your Interest Rate and Annual Percentage Yield information. You will be paid this rate until maturity.

COMPOUDING AND CREDITING
Interest will be compounded quarterly and credited quarterly, except with the 3 month CD where the interest is not compounded and is paid at maturity.

The annual percentage yield assumes 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.

MINIMUM BALANCE REQUIREMENTS
You must deposit $500 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.

DORMANT/INACTIVE ACCOUNT INFORMATION
Unclaimed Funds - In the event the account remains inactive for a period of five years, the monies deposited in such account may become "Unclaimed Funds" as provided in the Ohio Revised Code.

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 deposit noncash items (for example, checks).

FEES AND CHARGES
Please refer to the separate fee schedule for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

TRANSACTION LIMITATIONS
You may not make deposits into or withdrawals from your account until the maturity date.

MATURITY DATE
Your account will mature after the term provided in the TIS disclosure upon opening the account..

EARLY WITHDRAWAL PROVISIONS
The penalty is equal to one-half the original term's interest (earned or unearned). Changing the certificate of deposit contract by removing an owner(s) may result in a penalty equal to one half of the term's interest charged to the account.

RENEWAL POLICIES
Your account will automatically renew at maturity. You will have a grace period of 9 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT
Monthly or quarterly checks available.

CURRENT RATE INFORMATION
To obtain current rate and annual percentage yield information please call any of our branch locations.