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TRUTH-IN-SAVINGS ACCOUNT DISCLOSURE

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for a 365 day period. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

2. Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. All the above accounts are variable rate accounts. The rates will be adjusted at the discretion of the Board of Directors of the Credit Union. The Credit Union reserves the right to change dividend rates at any time.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.

4. Accrual of Dividends. 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 you make the deposit to your account. If you close your account before the end of the dividend period, accrued dividends will be paid.

5. Balance Information. The minimum balance required to open each account is set forth above. Dividends are calculated by the Average Daily Balance method which applies a periodic rate to the Average Daily Balance in the account for the period. 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 the period.

6. Account Limitations. Account limitations for each account are set forth above. For Share/Savings, Clubs, and Money Market/Flex accounts in which transfer limitations apply, no more than six (6) preauthorized, automatic or telephone transfers may be made from these accounts to another account of yours or to a third party in any month.  If you exceed these limitations, your account may be closed. For a Money Market/Flex account a minimum of $500 can be withdrawn or deposited.



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