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Additional Deposits. <br /> Other than during the grace period, Company may not make additional <br /> deposits to Cornpany's time Account, unless Bank otherwise agrees <br /> in writing. <br /> Withdrawal of Interest Prior to Maturity. <br /> A withdrawal of interest prior to maturity will reduce earnings. <br /> Renewat Policies. <br /> If Company's time Account is automatically renewable,at maturity it will <br /> renew (i)for a like term; and (ii)at Bank's interest rate in effect on the <br /> maturity date far a new time deposit of the same term and amount, unless <br /> Bank has notified Company that it will not renew Company's Account. <br /> Company may withdraw Company's funds anytime during the grace period <br /> without a fee.If Company does,Bank will not pay interest for that period on <br /> the funds withdrawn. ff Company's time Account is not automatically <br /> renewable and Company does not withdraw the funds on the maturity date, <br /> the funds will no longer earn interest after the maturity date and will be <br /> placed in a non-interest-bearing checking Account. <br /> Early withdrawal fee.If Company withdraws funds from its time Account <br /> before the maturity date, an early withdrawal <br /> fee will be assessed: <br /> • For terms less than three months(or less than 90 days),the fee is one <br /> month's interest <br /> • For terms three months(or 90 days)through 12 months(or 365 days), <br /> the fee is three months' interest <br /> • For terms over 12 months through 24 months,the fee is six months' <br /> interest <br /> • For terms over 24 months,the fee is 12 months' interest <br /> • Minimum fee is $100 <br /> The early withdrawal fee is based on the principal amount withdrawn, at the <br /> interest rate on Company's time account at the time of withdrawal.For <br /> purposes of deternuning the amount of the early withdrawal fee,one month's <br /> interest is equal to one year's interest,at the interest rate in effect at the time <br /> of withdrawal,divided by 12. The amount of the early withdrawal fee is <br /> deducted from earned interest. If the fee is greater than the earned interest,the <br /> difference is deducted from the principal. In no event will the early <br /> 40 <br />