Share Certificate

Rate Information: You will be paid the disclosed rate until first maturity.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Transaction Limitations: After the account is opened, you may not make additions into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdrawal dividends created in the term before maturity of that term without penalty. You can withdraw dividends only on the crediting dates.