Certificates of Deposit

6 MONTH CERTIFICATE
12 MONTH CERTIFICATE

Minimum Balance:	$1,000.00
Interest Rate:	Posted on Bank's Rate Board
Annual Percentage Yield:	Posted on Bank's Rate Board

Interest Rate is determined by the Bank's Board of Directors and changed at their discretion.
Not available with a variable rate. Penalty of 3 months of interest is assessed for early withdrawal.
A 10 day grace period applies at maturity without penalty.

24 MONTH CERTIFICATE
30 MONTH CERTIFICATE
36 MONTH CERTIFICATE
60 MONTH CERTIFICATE

Minimum Balance:	$1,000.00
Interest Rate:	Posted on Bank's Rate Board
Annual Percentage Yield:	Posted on Bank's Rate Board

Interest Rate is determined by the Bank's Board of Directors and changed at their discretion.
Not available with a variable rate. Penalty of 6 months of interest is assessed for early withdrawal.
A 10 day grace period applies at maturity without penalty.

Individual Retirement Accounts

30 DAY VARIABLE CERTIFICATE
24 MONTH FIXED RATE CERTIFICATE
60 MONTH FIXED RATE CERTIFICATE

Interest Rate is determined by the Bank's Board of Directors and changed at their discretion.
All Funds are kept on deposit at First State Bank of Wabasha. Rates are re-set to reflect the current rate paid on IRA accounts on the anniversary date of each certificate.