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Rate Information – The dividend rates and annual percentage yields stated above are fixed rates. You will be paid this rate until maturity. Annual percentage yield assumes dividends post to and remain in Share Certificate account. Withdrawal of dividends will reduce annual percentage yield.

Compounding and Crediting – Dividends will be compounded and credited every month and at maturity.

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.

Accrual of Dividends – Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Fees and Charges – No fees or charges apply exclusively to this account. Refer to our Standard Fees and Service Charges for comprehensive listing.

Transaction Limitations – After the account is opened, you may not make deposits or withdrawals until the stated maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw dividends before maturity if you make arrangements with us for periodic payments of dividends in lieu of crediting.

Early Withdrawal Penalties – We will impose a penalty if you withdraw funds or close the account before the stated maturity date.

Renewal Policies – Your Share Certificate will automatically renew at maturity unless you instruct us to automatically renew it at maturity: (1) when you originally purchase the Share Certificate, or (2) at some point before its maturity date. If you do not choose automatic renewal, we will transfer the Share Certificate’s principal and dividends to any Savings-type account you designate, or to your regular Savings account if you have not so designated.

Bylaw Requirements – You must complete and maintain payment of one share ($5.00) in your regular Savings account as a prerequisite to membership in Secure First Credit Union.

Dividend Period – The dividend period of this account type is monthly, beginning on the date the account is opened and ending on the stated maturity date, unless renewed.

National Credit Union Share Insurance Fund – Member accounts in Secure First Credit Union are federally insured by the National Credit Unions Share Insurance Fund under the auspices of the National Credit Union Administration, a U.S. government agency.

Withdrawal of Dividends Prior to Maturity – The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.