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 as of the last Dividend Declaration Date, are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of 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 Unions Board of Directors. 
2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. 
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 for each account is set forth above. The Dividend Period begins on the eleventh calendar day of each month and ends on the tenth calendar day of each month. 
4. Accrual of Dividends. Dividends will begin to accrue on cash deposits and noncash deposits (e.g. checks) on the business day you make the deposit to your account. Except for a Certificate, Flex Account or IRA account, if you close your account before accrued dividends are credited, accrued dividends will not be paid. 
5. Balance Information. 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 using the Average Daily Balance method. Dividends 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 dividends that figure by the number of days in that period. 
6. Account Limitations. The account limitations for each account are set forth above. For a share Savings account in which transfer limitations apply, no more than six (6) pre authorized, automatic or telephone transfers may be made from these accounts to another account of yours or to a third party these accounts to another account 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 closed. No withdrawal limitations apply.