5 years

$100,000

$25,000

3.06%

3.10%

$12,500

3.06%

3.10%

$2,500

3.06%

3.10%

$25,000

$12,500

2.47%

2.50%

$2,500

2.42%

2.45%

$1,000

2.42%

2.45%

$25,000

$12,500

1.99%

2.00%

$2,500

1.93%

1.95%

$1,000

1.93%

1.95%

$25,000

$12,500

1.64%

1.65%

$2,500

1.59%

1.60%

$1,000

1.59%

1.60%

Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Fees*: Penalty will be imposed for early withdrawal. Limited time offer and may be discontinued at any time. Withdrawals of an IRA Certificate prior to age 59 1/2 may also subject you to an IRS penalty.

Notice of Change in Terms in Share Certificate Penalty

Effective February 1, 2008 if during the 10-day grace period of the share certificate, you inform Air Force Federal Credit Union of your decision not to renew the certificate, no dividends will be paid for the grace period. All share certificates issued or renewed beginning this date will have the following terms for the calculation of the penalty: The early withdrawal penalty will be equal to one half of the dividends that would accrue from the date of the withdrawal to the maturity date applying the contracted rate on the certificate based to the amount withdrawn over and above any dividends credited to the certificate to date of withdrawal.

Up to $25,000.00

.50%

.50%

$25,000.01 - $50,000.00

1.04%

1.05%

$50,000.01 - $100,000.00

1.09%

1.10%

$100,000.01 & Up

1.14%

1.15%

Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5 opening balance required.

Up to $25,000.00

.50%

.50%

$25,000.01 - $50,000.00

1.04%

1.05%

$50,000.01 - $100,000.00

1.09%

1.10%

$100,000.01 & Up

1.14%

1.15%

Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5 opening balance required.