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You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalties apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Mutual Security Investment and Retirement Services. Dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2 or Coverdell ESA Certificates. Any penalties, monthly withdrawals or transfers reduce earnings.