A Northwestern Bank CD is a savings vehicle with a guaranteed interest rate. Choose short-term CDs of one month to one year. If you prefer you can invest in a longer term CD up to 5 years.

CD Terms	Minimum Opening Deposit	Early Withdrawl Penalty
1 to 91 Day Certificate	$1000	Greater of 7 days interest or accrued interest on amount withdrawn
92 Days to 1 Year Certificate	$1000	3 months interest
Over 1 Year Certificate	$1000	6 months interest

These certificates will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. If you do not renew the certificate, interest will not be paid after maturity. After the certificate is opened, you may not make additional deposits or withdrawals until the next maturity date.

You may not withdraw funds from your Certificate of Deposit (CD) or Individual Retirement Account (IRA) prior to the maturity date without our consent. If we permit you to withdraw any of the funds before the maturity date, a penalty will or may be imposed. Any early withdrawal penalty may result in a reduction of the principal sum.

Julia Kroeze

Carol Pomerenke