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 terms to maturity of 12 months or less, the amount of the penalty imposed will equal 90 days' dividends. For Accounts with terms to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following maturity of Your account, You will have a grace period of seven calendar days to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closed. SPECIFIC TERMS APPLICABLE TO YOUR 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 annual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of equal to or less than 12 months or lessmonths, the amount of the penalty imposed will equal 90 days' three months dividends. For Accounts with terms a term to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' six months dividends. Renewal Policies. Following maturity of Your accountAccount will renew automatically at maturity, You will have a grace period of seven calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Transaction Limitations. Once Your Account with the same term to maturity as is established You may not make deposits into Your One Time Bump Certificate Account, subject to the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closed. SPECIFIC TERMS APPLICABLE TO YOUR CERTIFICATE ACCOUNT TRADITIONAL IRA TERM SHARE, XXXX XXX TERM SHARE, AND XXXXXXXXX EDUCATION TERM SHARE ACCOUNTS 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 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 Supplementaccount disclosure rate supplement which We have included with and made a part of this Disclosure. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of Maturity less than or equal to 12 months or lessmonths, the amount of the penalty imposed will equal 90 days' dividends. For Accounts with terms a term to maturity Maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following maturity of Your account, Account will renew automatically at maturity. You will have a grace period of seven 7 calendar days to make additional deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, Additional Information. Individual Retirement Accounts are subject to limitations and/or penalties imposed by the terms and conditions of such AccountInternal Revenue Service. Please see Your One Time Bump Certificate Account will then be closedIRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR 12-MONTH GROWTH 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 annual percentage yield APY and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of 12 months Maturity less than or lessequal to 91 days, the amount of 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 91 days, but less than or equal to 12 months, the penalty imposed will equal 90 days' dividends. For Accounts with terms a term to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following Your Account will renew automatically at maturity of Your account, and You will have a grace period of seven 7 calendar days following the Maturity Date to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred Transaction Limitations. Once Your Account is established You may not make additional deposits to a regular Certificate Your Account with the same term prior to maturity as Your One Time Bump Certificate Account, maturity. Additional Information. Individual Retirement Accounts are subject to limitations and/or penalties imposed by the terms and conditions of such AccountInternal Revenue Service. Please see Your One Time Bump Certificate Account will then be closedIRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR JUMBO SHARE CERTIFICATE ACCOUNT ACCOUNTS 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 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 annual percentage yield APY and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of 12 months Maturity less than or lessequal to 91 days, the amount of 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 91 days, but less than or equal to 12 months, the penalty imposed will equal 90 days' dividends. For Accounts with terms a term to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following Your Account will renew automatically at maturity of Your account, and You will have a grace period of seven 7 calendar days following the Maturity Date to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred Transaction Limitations. Once Your Account is established You may not make additional deposits to a regular Certificate Your Account with the same term prior to maturity as Your One Time Bump Certificate Account, maturity. Additional Information. Individual Retirement Accounts are subject to limitations and/or penalties imposed by the terms and conditions of such AccountInternal Revenue Service. Please see Your One Time Bump Certificate Account will then be closedIRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR JUMBO IRA SHARE CERTIFICATE ACCOUNT ACCOUNTS 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 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 annual percentage yield APY and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of 12 months less than or lessequal to 3 months, the amount 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 terms a term to maturity greater than 12 18 months but less than or equal to 24 months, the amount of 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. Following maturity of Your account, Account will renew automatically at maturity. You will have a grace period of seven 10 calendar days to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closed. SPECIFIC TERMS APPLICABLE TO YOUR 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 annual percentage yield and to keep Your Account openAPY. Transaction Limitations. Once Your Account is established You may not make established, additional deposits into may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your Account prior to the Maturity DateIRA 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 dateNovember 14th of each calendar year. For Accounts with terms to maturity of 12 months or less, the amount of the The penalty imposed will equal 90 days' dividends. For Accounts with terms to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following maturity of Your account, You will have a grace period of seven calendar days to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to the terms and conditions of $10.00 for each such Account. Your One Time Bump Certificate Account will then be closedwithdrawal. SPECIFIC TERMS APPLICABLE TO YOUR CERTIFICATE FREEDOM CHECKING ACCOUNT Fixed Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. The minimum balance required to open this Account is $15.00. Transaction Limitations. No transaction limitations apply to this Account. Additional Information. In order to earn offsetting credit for monthly service fees incurred, during each monthly qualification cycle You must have at least $500.00 in direct deposit transactions post and settle to Your Account, as evidenced by Your monthly statement. Each monthly qualification cycle will begin on the first day of the current month's statement cycle, and end on the last day of that same month's statement cycle ("monthly qualification cycle"). SPECIFIC TERMS APPLICABLE TO YOUR FREE CHECKING ACCOUNT Variable Rate Information. This Account is subject to a Fixed Variable 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 The minimum balance required to open this Account is $50.00. You must maintain a balance in Your Account each day that equals or exceeds $100.00, in order to earn the disclosed APY. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR STUDENT CHECKING (Under 21 years) ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate SupplementSupplement which We have included with and made a part of this Disclosure. You must maintain a balance equal to the Minimum Balance Requirements. The minimum balance required to open Your this Account each day to obtain the disclosed annual percentage yield and to keep Your Account openis $15.00. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account prior No transaction limitations apply to the Maturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementthis Account.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with terms to maturity of 12 months or lessall Accounts, the amount of the penalty imposed will equal 90 30 days' dividends. For Accounts with terms to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' ’ dividends. Renewal Policies. Following maturity Your Account will not renew automatically at maturity. On December 31st of each year, We will transfer the entire balance then on deposit to Your accountprimary Share Savings Account or We will issue You a check, whichever You have instructed Us to do at the time You established Your Account. Transaction Limitations. Once Your Account is established, You will have a grace period of seven calendar days may not make additional deposits to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Your Account with the same term to maturity as Your One Time Bump Certificate Account, subject prior to the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closedMaturity Date. SPECIFIC TERMS APPLICABLE TO YOUR SHARE, IRA SHARE, XXXX XXX SHARE, SEP SHARE, AND XXXXXXXXX EDUCATION CERTIFICATE ACCOUNT ACCOUNTS Tiered Fixed Rate Information. This Account is These Accounts are subject to a Tiered Fixed Rate. For the current dividend rate rates 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 annual percentage yield APY and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of less than 12 months or lessmonths, the amount of penalty imposed will equal 31 days dividends. For Accounts with a term to maturity equal to or greater than 12 months, the penalty imposed will equal 90 days' dividends. For Accounts with terms to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' days dividends. Renewal Policies. Following maturity of Your accountAccount will not renew automatically at maturity, You will have a 10-calendar-day grace period of seven calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closed. SPECIFIC TERMS APPLICABLE TO YOUR VARIABLE-RATE TERM SHARE CERTIFICATE ACCOUNT Fixed Variable Rate Information. This Account is These Accounts are subject to a Fixed Variable 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 annual percentage yield APY and to keep Your Account open. Transaction Limitations. Once Your Account is established established, You may not make additional deposits into Your Account prior deposits. Additionally, the Credit Union reserves the right to the Maturity Daterequire a member intending to make a withdrawal to give written notice of such intent not less than seven and up to 60 days before any such withdrawal. 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 terms to maturity of 12 months or less, the amount of the penalty imposed will equal 90 days' dividends. For Accounts with terms to maturity greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following maturity of Your account, Account will renew automatically at maturity. You will have a grace period of seven calendar days in which to make deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closed. SPECIFIC TERMS APPLICABLE TO YOUR 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 annual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms having a term to maturity of 12 months equal to or lessless than one year, the amount of the penalty imposed will equal 90 days' days dividends. For Accounts with terms having a term to maturity greater than 12 monthsone year, the amount of the penalty imposed will equal 180 days' days dividends. Renewal Policies. Following maturity of Your account, Account will renew automatically at maturity. You will have a grace period of seven 7 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. All funds that remain on deposit after Transaction Limitations. Once Your Account is established, You may not make deposits into Your Account until the maturity will of Your Account. If You exceed this limitation, Your Account may be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to closure by the terms and conditions of such AccountCredit Union. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your One Time Bump Certificate Account will then be closedIRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR CD PLUS 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 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 Supplementaccount disclosure rate supplement which We have included with and made a part of this Disclosure. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account 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 terms a term to maturity of less than 12 months or lessmonths, the amount of the penalty imposed will equal 90 days' dividends. For Accounts with terms a term to maturity equal to or greater than 12 months, the amount of the penalty imposed will equal 180 days' dividends. Renewal Policies. Following maturity of Your accountAccount will renew automatically at maturity, You will have a 10-calendar-day grace period of seven calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. All funds that remain on deposit after maturity will be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the terms and conditions of such AccountInternal Revenue Service. Please consult Your One Time Bump Certificate Account will then be closedIRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR CERTIFICATE ACCOUNT BUMP TERM CERTIFICATES 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 Accounts with a term to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance maturity equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. Transaction Limitations. Once or less than 24 months, once Your Account is established You may not make additional deposits into instruct Us to increase Your dividend rate to a level that is commensurate with a new Bump Term Certificate Account having a comparable remaining term to maturity as Your Account. Such increase will apply to the remaining term of Your Account. You may only increase Your dividend rate once during the term of Your Account. For Accounts with a term to maturity greater than 24 months up to 60 months, once Your Account prior is established You may instruct Us to increase Your dividend rate to a level that is commensurate with a new Bump Term Certificate Account having a comparable remaining term to maturity as Your Account. Such increase will apply to the Maturity Dateremaining term of Your Account. Maturity Date. You may only increase Your Account will mature after dividend rate twice during the term indicated on the accompanying Account Disclosure Rate Supplementof Your Account.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with terms having a term to maturity of 12 months equal to or lessless than one year, the amount of the penalty imposed will equal 90 days' days of dividends. For Accounts with terms having a term to maturity greater than 12 monthsone year, the amount of the penalty imposed will equal 180 days' days of dividends. Renewal Policies. Following maturity of Your account, Account will renew automatically at maturity. You will have a grace period of seven 7 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. All funds that remain on deposit after Transaction Limitations. Once Your Account is established, You may not make deposits into Your Account until the maturity will of Your Account. If You exceed this limitation, Your Account may be automatically transferred to a regular Certificate Account with the same term to maturity as Your One Time Bump Certificate Account, subject to closure by the terms and conditions of such Account. Your One Time Bump Certificate Account will then be closedCredit Union. SPECIFIC TERMS APPLICABLE TO YOUR BUSINESS CD PLUS 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 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 Supplementaccount disclosure rate supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established You may not make additional deposits into Your Account prior to the Maturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.