Based on the terms of your Share Certificate it appears that you will accumulate $112,660 before taxes over the next 36 months with an annual percentage yield (APY) of 4.053%. <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Share Certificate Growth' xAxisName='Years' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='1' /><category label='2' /><category label='3' /></categories><dataset seriesName='Dividend Earned'><set value='4053.0' /><set value='4218.0' /><set value='4389.0' /></dataset><dataset seriesName='Taxes Due'><set value='892.0' /><set value='928.0' /><set value='966.0' /></dataset></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Year</th><th scope="col">Beginning Balance</th><th scope="col">Dividend @ 3.98%</th><th scope="col">Ending Balance</th><th scope="col">Taxes Due @ 22.00%</th></tr><tr><td role="rowheader" scope="row">1</td><td>$100,000</td><td>$4,053</td><td>$103,162</td><td>$892</td></tr><tr><td role="rowheader" scope="row">2</td><td>104,053</td><td>4,218</td><td>107,343</td><td>928</td></tr><tr><td role="rowheader" scope="row">3</td><td>108,271</td><td>4,389</td><td>111,694</td><td>966</td></tr></table>