TRUTH-IN-SAVINGS DISCLOSURE

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate & Fee Schedule are share accounts.

1. Rate Information. 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 an annual period. For Regular Share, IRA Share, Christmas Club, Checking & Children's Share Accounts, the Dividend Rate & Annual Percentage Yield May Change monthly as determined by the credit union Board of Directors. The Dividend Rates & Annual Percentage Yield are the rates & Yields as of the last dividend declaration date which is set for the in the Rate Schedule. The Regular Share & Christmas Club accounts are Tiered Rate Accounts. If you account balance is$25,000 or below, the first Dividend Rate & Annual Percentage Yield listed for this account in the Rate Schedule & Fee Schedule will apply. If you balance is from $25,001 to $75,000 the second Dividend Rate & Annual Percentage Yield listed for this account in the Rate Schedule will apply. Once a particular balance range is met, the Dividend Rate & Annual Percentage Yield listed for the balance range will apply to the full balance of your account. The Children's Share account is a Tiered Rate Account. If your account balance is $500 or below, the first Dividend Rate & Annual Percentage Yield listed for this account in the Rate Schedule will apply. IF your account balance is from $25,001 to $75,000, the third Dividend Rate & Annual Percentage Yield listed for this account will apply. If your balance is $75,001 to $95,000, the fourth Dividend Rate & Annual Percentage Yield listed for this account will apply. If your account balance is greater than $95,000, the fifth Dividend Rate & Annual Percentage Yield listed for this account will apply. Once a particular balance range is met the Dividend Rate & Annual Percentage Yield listed for that balance range will apply to the full balance of your account.
   
2. Nature of Dividends. Dividends are paid from current income & available earnings after required transfers to reserves at the end of the dividend period.
   
3. Dividends Compounding & Crediting. The compounding & crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Prior is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
   
4. Accrual of Dividends. For Regular Shares, IRA Shares, Christmas Club, Checking and Children's Share Accounts dividends will begin to accrue on non-cash (e.g. checks) on the business day you make the deposit to your account. For Regular Shares, IRA Shares, Christmas Club, Checking and Children's Share Account if you close your account before accrued dividends are credited, accrued dividends will not be paid.
   
5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Shares, Christmas Club, Checking there is a minimum average daily balance required to obtain the Annual Percentage Yield for the Dividend Period. If the minimum average daily balance is not met, you will not earn the Stated Annual Percentage Yield. For Regular Shares, IRA Share, Christmas Club, Children's Shares, & Checking accounts using an Average Daily Balance method, dividends are calculated by applying 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 o the period and dividing in the figure by the number of days in the period.
   
6. ACCOUNT LIMITATIONS. For Regular Shares, Christmas Club, and Children's Share Accounts, 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, 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. For IRA Share, Equity, and Checking accounts, no account limitations apply.