Rates Determined Weekly
Product	Interest Rate	APY*	Minimum Open Balance	Minimum Balance for APY*
6 Month	0.04%	0.04%	$500.00	$500.00
12 Month	0.14%	0.14%	$500.00	$500.00

*APY: Annual Percentage Yield. The above Term Share rates are determined weekly.

IMPORTANT INFORMATION:  Your certificate account will automatically renew at maturity.  You will have a grace period of 7 business days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Dividends will be compounded and credited quarterly.  If you close your account before the dividends are credited, you will not receive accrued dividends.  Your account will mature at the end of the dividend period selected.  You are not permitted to withdraw funds other than dividends prior to maturity without closing the account.  We may impose a penalty if you do withdraw funds other than dividends prior to the maturity date.  The penalty will equal three months dividends on your account.