Investment Time Certificates of Deposit

Maturity	Minimum Balance	Annual Interest Rate	Annual Percentage Yield

18 Month	$500	2.95%	3.04%
24 Month	$500	3.10%	3.19%
30 Month	$500	3.10%	3.19%
36 Month	$500	3.20%	3.30%
42 Month	$500	3.20%	3.30%
48 Month	$500	3.30%	3.40%
54 Month	$500	3.30%	3.40%
60 Month	$500	3.50%	3.61%

Investment certificates are available to anyone residing in the Wisconsin counties of Marinette and Oconto, and the County of Menominee in Michigan.

We offer a variety of terms on our Investment certificates of deposit (CDs), ranging from 18 months to 5 years. Maturity terms, other than the maturity terms published on our interest rate schedule, are available upon request. The interest rate on your request will be determined at that time.

All of our Investment CDs earn interest on the entire balance. Interest begins to accrue on the business day you deposit cash or non-cash items (such as checks).

Investment CDs are payable at the scheduled maturity. At the option of the account holder, the account may be automatically renewed at maturity at the rate then in effect for a certificate of that term. You have a grace period of ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty.

If the account holder chooses not to renew an Investment CD automatically, then at maturity the account holder must present their certificate for reinvestment or payment. You will have a grace period of ten (10) calendar days after the maturity date to decide how to reinvest your Investment certificate proceeds. If you decide to reinvest in another certificate account at our bank, we will open the account from the maturity date of the paid certificate. The rate then in effect at the maturity date will apply for the new certificate term. If you desire to deposit additional funds along with the proceeds of the paid certificate, then the open date will be the date you present your request to the bank. The rate then in effect on this date will apply for the new certificate term.

No interest is paid on funds withdrawn during the grace period for the intervening days from the maturity date to the date of withdrawal. For certificates automatically renewed, any changes in terms during the ten (10) day grace period will be effective as of the maturity date at the rate in effect for that new term.

Interest on an Investment CD is compounded daily and paid annually. If you have $2,500 or more in an Investment CD, interest may be paid quarterly by check or by deposit to another account at our bank. If you have $5,000 or more in an Investment CD, interest may be paid monthly by check or by deposit to another account at our bank.

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

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

If an Investment CD is lost, stolen, or destroyed, the bank must be notified immediately by phone or in writing. If the notification is made by telephone, written confirmation must be received within ten (10) business days. The bank will inform you of the procedures to follow to secure payment upon notification.

Opening an Investment CD involves agreeing to keep funds on deposit for the scheduled maturity. Although it is the bank's general policy to allow early withdrawals of principal amounts, subject to an early withdrawal penalty, we reserve the right to permit withdrawals only upon maturity. If we do permit an early withdrawal, an early withdrawal penalty will be assessed by the bank. The penalty is 90 days on an original maturity of less than 2 1/2 years and 120 days on an original maturity equal to or greater than 2 1/2 years.

The bank will honor a request for withdrawal prior to maturity without assessing the foregoing penalty in the event of the death or judicially declared mental incompetence of any Owner of the account. The bank will require proof if either of these events transpire.

If this Investment CD is in an IRA Plan, and it is paid before maturity and within seven (7) days after establishment, you will forfeit an amount at least equal to the interest earned on the amount withdrawn at the interest rate in effect during the term.

All or part of an IRA account may be withdrawn without penalty upon age 70 1/2 or upon disability, judicially declared mental incompetence or the death of the account owner. We will also waive penalties for individuals age 59 and 1/2 upon completion of an IRA Request for Distribution Form when individuals set up a fixed monthly, quarterly, semi-annual or annual periodic distribution. Funds withdrawn for reinvestment with another qualified plan will be subject to the bank's normal early withdrawal penalties.

A complete disclosure, as required under Federal Truth-in-Savings, of the terms and conditions on the Investment Certificate account is available upon request.

INVESTMENT TIME CERTIFICATE OF DEPOSIT