* Notes - The Annual Percentage Rate (APR) on share or certificate advances will be the dividend rate being paid on the shares/certificate pledged as security at the time of the advance plus 2%. The APR for the share secured existing balances and new advances is subject to change on the first day of each month to reflect any changes in the share dividend rate. Certificates offered, as security must be renewed until the advance is completely paid. When the certificate is renewed, the APR will change to reflect the new certificate rate. Any increase in the APR for either the share secured or certificate secured advances will result in more payments of the same amount. The APR and daily periodic rate for certificate secured advances will be disclosed on the voucher accompanying the advance.