Share Certificates
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These savings instruments are
available at special rates. Established weekly, they remain the
same for the maturity period. Share certificates are available
with either a compounding or non compounding option. The APY
assumes dividends remain on deposit until maturity. A penalty
will be imposed for early withdrawal.
Listed above are the Annual
Percentage Yields which apply to share certificate accounts. For
the purpose of this disclosure, these are the rates that were
offered within the most recent seven days and were accurate as
of 5/1/2008. You will be paid this rate until the initial
maturity date of the certificate. Terms and conditions of the (APY)
are shown on the face of the certificate. $2,500 minimum deposit
required for 91 Day - 365 Day Share Certificates and a $5,000
minimum deposit required for all other share certificates.

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• Annual Percentage Yields