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TRUTH-IN-SAVINGS DISCLOSURE

Except as specifically described, the following disclosures apply to all of the above accounts.

The Dividend Rate and Annual Percentage Yield on your accounts as of the last Dividend Declaration Date are stated on your statement. The total amount of dividends to be paid on an account is based on the dividend rate and frequency of compounding for a 365-day period or the term of the account. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Dividends will be compounded and credited as was previously mentioned. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of each month and ends on the last calendar day of each month.

Dividends will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day the credit union receives provisional credit. If you close your account before accrued dividends are credited, accrued dividends will not be paid on all accounts on the day account is closed.

The minimum balance required to open each account is specified above. Dividends and minimum balances are also calculated using the Average Daily Balance method. The Average Daily Balance method is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in that period.

Regular Share. If your average daily balance was $25.00 - $99.99, the dividend rate and annual percentage yield paid on the entire balance is revealed in our rate and annual percentage yield disclosure. If your average daily balance was $100 - $499.99, the dividend rate and annual percentage yield paid on the entire balance is shown above. If your average daily balance was $500 and over, the dividend rate and annual percentage yield paid on the entire balance is shown above.

Account limitations for each account are specified as necessary. For a Share Savings account in which transfer limitations apply, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

The minimum balance required to open each account is set forth above. Minimum balances are calculated using the Average Daily Balance method. Dividends are also calculated by the Average Daily Balance method. The Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in that period.

Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (e.g. checks) on the business day the credit union receives provisional credit.

After your certificate account is opened, you may make withdrawals of earned dividends but you may not make additional deposits. On IRA accounts, dividends are to be added to the principal. For club accounts, you may make additional deposits but may not withdraw dividends.

Your account will mature within the term set forth above or the maturity date set forth on your Certificate or Maturity Notice. The Credit Union will give the owner(s) at least 30 days notice prior to maturity.

For fixed rate accounts, the rate and yield will remain in effect for the entire term of the account. For variable rate accounts, the rate and the yield are subject to change at the discretion of the credit union.

There is no grace period on certificate accounts.

Club accounts have a 50 week term with Vacation Club accounts commencing June 1 and Christmas Club accounts commencing October 1. Club accounts may be opened at any time during the year; however, club accounts opened after the initial enrollment week may receive a shorter term.

We may impose a substantial penalty if you withdraw any of the principal before the maturity date, or the renewal date, if this is a renewal account.

For Regular Certificate accounts, the amount of early withdrawal penalty of your account is an amount equal to 90 days' dividends for six (6) month certificates and 180 days' dividends for one (1) year or over certificates, whether earned or not. For club accounts that have closed before maturity, a fee of $10.00 will be imposed.

The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

(i.) When an account owner dies

(ii.) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment.

(iii.) When an Individual Retirement Account owner as reached the age of 59 ½ or older and is on a periodic payment cycle.

(iv.) When an account owner has been judicially declared mentally incompetent.

• RENEWAL POLICY

Your account is not an automatically renewable account if indicated previously.

• NONTRANSFERABLE / NONNEGOTIABLE