April 24th, 2014
Additional Disclosure Information

1. $1000 for CD's under $100,000, $100,000 for CD's over $100,000.

2. Withdrawal of funds from a time deposit prior to maturity are subject to penalties; Seven (7) days interest on the amount withdrawn if the withdrawal is made within the first six (6) days after the deposit. Time Deposits with an original maturity of one year or less are subject to one month's interest penalty; Time Deposits with an original maturity of more than one year are subject to three months interest penalty.Upon death or "judicially declared incompetent" of any owner of a time certificate of deposit, whether or not named on the deposit instrument, withdrawals can be made before maturity without forfeiture of interest. 

   Every depositor is insured by the FDIC to at least $250,000 which has been temporarily increased from $100,000 to $250,000 thru 12/31/2013.