Certificate Rates Homeowners Mortgage Enterprises, Inc.
Effective Date: 12/5/2011
Term Share Certificates (IRA and Non IRA)
Average Balance Dividend Rates APY*
3 Months 0.35 0.35
6 Months 0.50 0.50
12 Months 0.75 0.75
18 Months 0.85 0.85
24 Months 0.95 0.95
30 Months 0.95 0.95
36 Months 1.10 1.11
48 Months 1.20 1.21
60 Months 1.25 1.26
A penalty is imposed for early withdrawal.

* Annual Percentage Yield. Annual Percentage Yield is accurate as of 12/5/2011. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

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