Money Market Time Certificates of Deposit

Maturity	Minimum Balance	Interest Rate	Annual Percentage Yield

3 Month	$1,000	2.15%	2.17%
6 Month	$1,000	2.65%	2.67%
9 Month	$1,000	2.75%	2.76%
12 Month	$1,000	2.95%	3.04%

Money Market 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 Money Market certificates of deposit (CDs), ranging from 3 months to 1 year. 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 Money Market certificates may be opened with a minimum deposit of $1,000.

Money Market 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).

Money Market CDs are payable at the scheduled maturity. The account will 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.

No interest is paid on funds withdrawn during the grace period for the intervening days from the maturity date to the date of withdrawal. Any change 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.

If the Money Market CD has a maturity of less than one (1) year, interest is paid at maturity. If the Money Market CD has a maturity of one (1) year, interest will be compounded daily and paid at maturity. Other interest payment intervals are available to qualified customers.

The annual percentage yield of the Money Market 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 a Money Market 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 a Money Market 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 30 days on a 3 month certificate, 60 days on a 6 month certificate and 90 days on a 1 year certificate.

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 incompetency of any Owner of the account. The bank will require proof if either of these events transpire.

If this Money Market 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 Money Market Certificate account is available upon request.

MONEY MARKET TIME CERTIFICATE OF DEPOSIT