1 Annual Percentage Yield is the total amount of dividends
paid on an account, based on the dividend rate and the frequency of monthly
compounding for a 365-day period, and expressed as a percentage. This rate assumes
that a set amount is on deposit at the beginning of the dividend period, that no
deposits or withdrawals are made during the dividend period and funds remain on
deposit for one full year at the same dividend rate. Fees may reduce earnings.
A fee may be charged for early withdrawal of a fixed-term certificate or IRA.
All other early withdrawals:
One year or less: Results in penalty equal to 90 days dividends based on amount withdrawn.
1-5 Year Certificates: Results in penalty equal to 180 days dividends based on amount withdrawn.
If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover this amount. The above penalties will not be charged in cases of withdrawal due to disability or after death of an owner of this Certificate.