IRA Rates
Effective Tuesday, February 01, 2005

Account Product Name	Minimum Balance to Open Account and to Obtain the APY	Annual Percentage Yield	Interest Rate
Individual Retirement Account*	$10.00	2.27%	2.25%
IRA 3 Year Term	$2,000.00	3.14%	3.10%
IRA 5 Year Term	$2,000.00	3.54%	3.50%

*The interest rate and annual percentage yield may change after account opening

Penalty may be imposed for early withdrawal Fees could reduce the earnings on these accounts

Ask us for further information about these accounts

© Woodland Bank 2000