*Your Share Certificate will automatically renew with the same term at the current interest rate. (excluding specials) You have a grace period of 10 calendar days to cancel or change the account. We'll send you a maturity notice before renewal. Please read it carefully. If we change the type, term or other features of your Share Certificate, we will notify you of the change on the maturity notice.
**The penalty depends on the term of the certificate and is paid at the time of withdrawal, whether the dividends have been earned or not. For share certificate terms of one year or less the penalty is equal to 90 days' worth of dividends. For share certificate terms greater than one year, the penalty is equal to 180 days' worth of dividends.