Common use of Early Withdrawal Provisions Clause in Contracts

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity greater than 18 months but less than or equal to 24 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY and to keep Your Account open. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior to the Maturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 6 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 30 days' dividends if such withdrawal occurs within 7 days of Account opening)’ dividends. For Accounts with a term to maturity greater than 3 6 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity equal to or greater than 18 months but less than or equal to 24 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL IRA TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY and to keep Your Account openAPY. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Maturity DateInternal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with having a term to maturity less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 12 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with having a term to maturity greater than 18 12 months but less than or equal to 24 36 months, the penalty imposed will equal 180 days’ ' dividends. For Accounts with having a term equal to maturity or greater than 24 36 months, the penalty imposed will equal 365 days’ ' dividends. Renewal Policies. Your Account will renew automatically at maturity. , You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL TERM SHARE CERTIFICATE ACCOUNT IRA CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement separate page titled account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplementseparate page titled account disclosure rate supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY annual percentage yield and to keep Your Account open. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make all deposits into Your Account must be made through recurring payroll deduction. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional deposits prior to the Maturity Dateinformation. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementseparate page titled account disclosure rate supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 6 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 30 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity greater than 18 6 months but less than or equal to 24 18 months, the penalty imposed will equal 180 days’ 90 days dividends. For Accounts with a term to maturity equal to or greater than 24 18 months, the penalty imposed will equal 365 days’ 180 days dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL IRA TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY and to keep Your Account openAPY. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Maturity DateInternal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 6 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 30 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity greater than 18 6 months but less than or equal to 24 18 months, the penalty imposed will equal 180 days’ 90 days dividends. For Accounts with a term to maturity equal to or greater than 24 18 months, the penalty imposed will equal 365 days’ 180 days dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL IRA TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY and to keep Your Account openAPY. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Maturity DateInternal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term terms to maturity less than or equal to 3 months, one year or less the penalty imposed will be equal all accrued to 90 days dividends (except to calculated on the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening)amount withdrawn. For Accounts with a term terms to maturity greater than 3 months but one year and less than or equal to 18 months, three years the penalty imposed will be equal 90 days’ dividends. For Accounts with a term to 180 days dividends calculated on the amount withdrawn, and for terms to maturity greater than 18 months but less than or equal to 24 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity three years and greater than 24 months, the penalty imposed will equal 365 days’ days dividends calculated on the amount withdrawn. Penalties will be deducted first from accrued yet uncredited dividends, then from the principal balance in Your Account, until such time as the entire penalty amount is collected. Maturity Date. Your Account will mature after the term indicated in the separate writing which We have included with and made a part of this Disclosure. Renewal Policies. Your Account will automatically renew automatically at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits or withdrawals without penaltyinto Your Account. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This To the extent required by applicable law, We will provide You with advance notice of the date the existing Account is subject to a Fixed Rate. For matures and the current new maturity date if renewed, the dividend rate and corresponding APYAPY for the new Account if they are known (or a statement indicating that those rates have not yet been determined, refer to the accompanying Account Disclosure Rate Supplement which We have included with date when they will be determined, and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. telephone number You must maintain a balance equal to the minimum balance required to open Your Account each day may call to obtain the dividend rate and corresponding APY that will be paid for the renewed Account), and any difference in the terms of the renewed Account as compared to that previously disclosed APY and to keep Your Account open. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior to for the Maturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementexisting Account.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity Maturity that is equal to or less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 12 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity Maturity that is equal to or greater than 18 months 24 months, but less than or equal to 24 months48, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 48 months, the penalty imposed will equal 365 days’ dividends. Renewal Policies. Your Account will renew automatically at maturity. , and You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. Transaction Limitations. Once Your Account is established, You may not make additional deposits to Your Account prior to the Maturity Date. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL TERM IRA SHARE CERTIFICATE ACCOUNT ACCOUNTS Tiered Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY and to keep Your Account open. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior to the Maturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 6 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 30 days' dividends if such withdrawal occurs within 7 days of Account opening)’ dividends. For Accounts with a term to maturity greater than 3 6 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity equal to or greater than 18 months but less than or equal to 24 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR PROMOTIONAL TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY and to keep Your Account open. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits prior to the Maturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.