Are there penalties for withdrawals before the maturity date?

A penalty may apply if you withdraw funds before the Certificate maturity date.

• If your account has an original maturity date of one year or less, the penalty will equal 90 days of dividends on the amount withdrawn subject to penalty.
• If your account has an original maturity date of more than one year but less than five years, the penalty will equal 180 days of dividends on the amount withdrawn subject to penalty.
• If your account has an original maturity date of five years or greater, the penalty will equal 365 days of dividends on the amount withdrawn subject to penalty.