Club Accounts
Effective Thursday, July 22, 2004

Account	Minimum Amount to Open Account	Annual Percentage Yield	Interest Rate	Minimum Balance To Obtain the APY
Christmas Club	$1.00	0.75%	0.75%	$100.00

Penalty may be imposed for early withdrawal

This account matures on November 14, 2003

This rate may change after account opening

Fees could reduce the earnings on these accounts

Ask us for further information about these accounts

© Woodland Bank 2000