Share Certificates
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Dividends will be credited to your account every month. Alternatively, you may choose to have dividends paid to you or another account every month rather than credited to this account. You must maintain a daily balance of at least the minimum required balance in your account in order to obtain the disclosed annual percentage yield. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account. Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Early withdrawal penalties - the penalty will equal three months dividends on the amount withdrawn subject to penalty. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.