TRUTH IN SAVINGS DISCLOSURE

Rate information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded and credited to your account every month.

Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements - The minimum balance required to open this account is $5.00. You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue or the business day you place noncash items (for example, checks) to your account.

Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer or telephonic order or instruction. No more than three of the six transfers may be made by draft or similar order to a third party. It you exceed the transfer limitations set forth above, your account will be subject to closure by the Credit Union.

Par Value of a share - The par value of a share in this account is $5.00.

Rate information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded and credited every month.

Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements - The minimum balance required to open this account is $5.00. You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue or the business day you place noncash items (for example, checks) to your account.

Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer or telephonic order or instruction. No more than three of the six transfers may be made by draft or similar order to a third party. It you exceed the transfer limitations set forth above, your account will be subject to closure by the Credit Union.

General - Once you have opened a share account, you may open a share draft (checking) account. All new checking accounts are approved through a credit rating system. You will be given eight starter checks. In addition, the first 50 drafts are provided free of charge. If you sign up for direct deposit, you will receive one box of free share drafts (checks). After the first order at no charge, you will pay for the printing and postage costs of checks only.

Overdraft Protection - You have the option of requesting overdraft protection by automatic transfer from your share (savings) account, or from an approved line of credit. Should three or more checks be dishonored and returned in a six-month period, the Credit Union reserves the right to close your share draft (checking) account.

Rate Information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded and credited every month.

Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31.

Minimum balance requirements - There is no minimum balance required to open this account. It is recommended that the initial deposit is sufficient to cover the cost of checks ordered. (The Credit Union provides all members their first 50 checks at no charge. If direct deposit is initiated, 175 checks are provided at no charge.)

Average daily balance computation method - Dividends are calculated by the daily balance method. This method applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) in your account.

Transaction limitations - No transaction limitations apply to this account.

General - Once you have opened a share account, you may open a money market account. Only six withdrawals may be made on the money market account in a month.

Rate Information - The dividend rate and annual percentage yield may change every dividend period.We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded and credited every month.

Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31.

Minimum balance requirements - There is a minimum balance required to open this account. When the account falls below the minimum balance, a fee will apply.

Average daily balance computation method - Dividends are calculated by the daily balance method. This method applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) in your account.

Transaction limitations - Six withdrawals per month are allowed on this account.

Rate Information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded and credited every month.

Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements - The minimum balance required to open this account is $5.00. You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue or the business day you place noncash items (for example, checks) to your account.

Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer or telephonic order or instruction. No more than three of the six transfers may be made by draft or similar order to a third party. It you exceed the transfer limitations set forth above, your account will be subject to closure by the Credit Union.

Rate Information - The dividend rate on your share certificate is noted at the end of this disclosure.

Compounding Frequency - Unless otherwise paid, dividends will be compounded every month.

Crediting Frequency - Dividends will be credited to your account every month. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend Period - For this account type, the dividend period is monthly.

Minimum balance requirements - The minimum balance required to open this account is $1,000. You must maintain a minimum balance of $1,000 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposit - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations - After the account is opened, you may not make additional into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You can only withdraw dividends credited in the term before maturity of that term without penalty.You can withdraw dividends any time during the term of crediting after they are credited to your account.

Early withdrawal penalties - If certificate funds other than dividends are withdrawn before the maturity date and the certificate has a maturity of one year or less, there is a loss of accrued dividends since the date of issuance or renewal, or 90 days' dividend, whichever is less. If the certificate has a maturity over one year, there is a loss of accrued dividends since the date of issuance or renewal, or 180 days' dividend, whichever is less. The early withdrawal penalty does not apply to withdrawals subsequent to the death of the member or as a result of liquidation of the Credit Union.

Withdrawal of dividends prior to maturity. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. We can prevent renewal if we mail notice to you at least 10 calendar days before maturity. If either you or we prevent renewal, your deposit will be placed in your share account.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term and other features as the original term share account.

You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Other terms - The Credit Union may require up to 60 days' notice of your intent to withdraw funds from this account. The Credit Union reserves the right to make changes in terms and conditions of this account with our member approval. You will be notified at least 30 days before changes occur.

General. You may invest your regular IRA contributions or move funds from an existing IRA share account into a 30 month fixed rate IRA share certificate account. The account will be administered under the terms of the trust agreement and Credit Union IRA disclosure statement provided to you at the time you opened the account.

Dividend rate and APY - The dividend rate and annual percentage yield will be disclosed at the time of account opening.

Compounding Frequency - Unless otherwise paid, dividends will be compounded every month.

Crediting Frequency - Dividends will be credited to your account every month. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend Period - For this account type, the dividend period is monthly.

Minimum balance requirements - The minimum balance required to open this account is $2,000. You must maintain a minimum balance of $2,000 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposit - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations - After the account is opened, you may not make additional into the account until the maturity date stated on the account. Withdrawal of principal and dividend is not allowed.

Early withdrawal penalties - If certificate funds other than dividends are withdrawn before the maturity date and the certificate has a maturity over one year, there is a loss of accrued dividends since the date of issuance or renewal, or 180 days' dividend, whichever is less. The early withdrawal penalty does not apply to withdrawals subsequent to the death of the member or as a result of liquidation of the Credit Union.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. We can prevent renewal if we mail notice to you at least 10 calendar days before maturity. If either you or we prevent renewal, your deposit will be placed in your share account.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term and other features as the original term share account.

You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Other terms - The Credit Union may require up to 60 days' notice of your intent to withdraw funds from this account. The Credit Union reserves the right to make changes in terms and conditions of this account with our member approval. You will be notified at least 30 days before changes occur.

Bylaw Requirement - You must complete payment of one share in your Regular Share (savings) account as a condition of admission to membership. If the balance in your Regular Share account falls below $5.00, you may be terminated from membership immediately.

Transaction Limitation - We reserve the right to, at any time, require not less than seven days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of Dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).)

Annual Percentage Yield is a percentage rate that shows the total amount of dividends, based on the dividend rate and frequency of compounding for a 365-day period.For purposes of this disclosure, this is the rate and the APY that was offered within the most recent seven calendar days and was accurate as of the date noted at the end of this disclosure.

National Credit Union Share Insurance Fund (NCUSIF) - Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Fees - Please refer to our separate fee schedule for additional information about charges.