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Interest will be credited to your account at maturity or as agreed upon. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings. After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.

Interest begins to accrue on the business day you deposit any non-cash item (for example, checks).

One month’s interest on the principal Withdrawal. Penalty waived if due to death, disability of depositor or other reasons that management might determine.

Renewal Policy
Certificate will AUTOMATICALLY RENEW to a 6 month certificate. You will have a grace period of 10 days from maturity date to present this certificate for payment without penalty. If the certificate automatically renews, IT WILL BE RENEWED AT THE RATE IN EFFECT AT THIS INSTITUTION ON THE DATE OF MATURITY.

Method of Computation Daily Balance*

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.