Net CD

The Net-CD is a 12-month fixed rate CD. A $5000 minimum balance is required to open this CD. Interest  is compounded semi-annually. There is a substantial penalty for early withdrawal.

Rate Information

The interest rate on your account is 2.75% with an annual percentage yield of 2.78%. You will be paid this rate until the maturity date of  the certificate. Your certificate will mature one year from the receipt of funds. A certificate of deposit receipt will be mailed to you upon receipt of funds.

Interest

Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Interest will be compounded and credited semi-annually.

Minimum Balance Requirements

You must deposit $5,000 to open this account. You must maintain a  minimum balance of $5,000 in your account every day to obtain the annual  percentage yield listed above.

Balance Computation Method

We use the daily balance method to calculate the interest on your  account. This applies a daily periodic rate to the principal in the  account each day.

Early Withdrawal Penalty

If you withdraw any principal before the maturity date, a penalty equal  to three (3) months interest on the principal withdrawn will be charged  to your account.

Renewal Policy

This account will be automatically renewed at maturity. You have a grace period of ten calendar days after the maturity date to withdraw funds  without being charged a penalty.

Annual Percentage Yield

The annual percentage yield assumes interest will remain on deposit  until maturity. A withdrawal will reduce earnings.

To obtain current rate information you may call 715-597-3136.

Rate and yield are accurate as of March 24, 2008..