Certificates

9-Month Certificate Special

5.20%APY1

__________

The 9-month certificate will be offered for a limited
time and will renew to the 1-year term at maturity.

Disclosures

1 APY: Annual Percentage Yield. Early withdrawal penalties may apply.

2 APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply. Future Saver Plus Certificates are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.

3 APY= Annual Percentage Yield. Fees could reduce earnings.

4 APY: Annual Percentage Yield. Rates are subject to change after account opening.