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<br />Rules & Regulations <br /> <br />Interest <br />Your Investment Deposit wiN earn interest at the rate stated on the reverse side, compounded daily (except on amounts greater than <br />S 100,000). Interest will be paid as stated on the reverse side. Disbursement maybe by check, deposited in your Norwest Banks <br />account, or added to the balance due at maturity. <br />Renewal <br />ll your Investment Deposit is renewable, it will be renewed at the maturity date for a like term and again at any subsequent maturity <br />date unless the Investment is: <br />-withdrawn at the maturity date, or <br />-we receive or issue written notice [o the contrary at least ten days before such maturity date in which event interest will <br />cease to be paid alter the maturity date. <br />I/ your Investment Deposit is not automatically renewable, interest will cease to accrue at the maturity date. <br />Interest payable during any renewable term will be at [he Bank's rate for a like term and amount at the time of renewal. <br />Grace Period <br />You may withdraw your Investment Deposit within seven calendar days aRer maturity without penalty. Interest will be paid through the <br />date o/ withdrawal. However after the seven day grace period has elapsed, the early withdrawal penalty will apply. <br />Early Withdrawal Penalty <br />If you withdraw all or any part of your Investment Deposit prior to maturity, you will lorfeit interest earned on the withdrawn amount as <br />follows: <br />-If your Investment has a maturity o137 days or less, you will (orleit seven days interest on the amount withdrawn. <br />-If your Investment has a maturity of 32 days to one year, you forfeit one month's interest on the amount withdrawn. <br />-1/your Investment has a maturity of more than one year, you lorfeit three months' interest on the amount withdrawn. <br />The amount you forfeit wiN be based on the rate of simple interest being paid on the deposit. It the interest to be forfeited exceeds the <br />amount o(interest earned, we will deduct the difference lrom the amount of principal you are withdrawing. It any part of the interest to <br />be forfeited has been paid to you, or to your accounts, we will deduct the amount )rom the amount of principal you are withdrawing. <br />In the event the owner of the Investment Deposit dies or is judicially declared incompetent, no early withdrawal penalty is required. <br />Deposits in Multiple Names <br />1l more than one depositor, the Investment Deposit will be owned in joint tenancy with right of survivorship. We may take instructions <br />from and pay the Investment Deposit [o any one of the named depositors. In the event of garnishment or levy, or i/ we exercise our <br />right of setoff, we may treat all lunds in the Investment Deposit as if they were owned exclusively by the party subject to the <br />garnishment, levy or setofl. Any depositor may pledge the Investment Deposit as collateral for a loan with this Bank. <br />Additions <br />1/ so indicated, you may add to your Investment Deposit during its term. <br />Nontransferable <br />This deposit may not be assigned or trans/erred. This deposit may only be collateral for a loan with this Bank. This deposit is subject <br />to applicable laws and rules of this Bank, including those of the Federal Reserve Board, FDIC, and national and state laws. <br />Miscellaneous <br />We reserve the right to refuse or limit any deposit. <br />Insured By The Federal Deposit Insurance Corporation <br />