TRUTH IN SAVINGS ACCOUNT DISCLOSURES

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 stated above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on dividend rate and frequency of compounding for an annual period. The dividend rate and Annual Percentage Yield may change periodically as determined by the Credit Union's Board of Directors.
2. Nature Of Dividends. Dividends are paid from the Credit union earnings (past and present) after required transfers to reserves at the end of the dividend period. The dividend rate and "APY" are the anticipated rates and yields that the Credit Union will pay for the applicable dividend.
3. Compounding and Crediting. Dividends will be compounded and credited as stated above. The dividend period for each account is stated above. 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. Dividends will begin to accrue on cash and non-cash deposits on the business day you make the deposit to your account. For all the accounts set forth above (except IRA savings), if you close your account(s) before accrued dividends are credited, accrued dividends will NOT be paid.
5. Balance Information. The minimum balance required to open each account is stated above. For accounts, using and average daily balance method, dividends are calculated on the result of adding the full amount of principal balance in the account for each day of the period and dividing that figure by the number of days in the period.
6. Account Limitations. For a share savings account in which 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, and no more than three (3) of these six (6) transfers may be made by check or draft to a third party. If you exceed the limitations, your account may be subject to a fee. For Vacation Club Accounts, you can make one withdrawal or transfer in a three (3) month period. Additional withdrawals and transfers will be charged a fee. For a Christmas Club Account, through transfer, the entire balance will be paid to you to another account of yours on or after October 1 and the account will remain open. Any withdrawals prior to October 1 will cause the account to be closed. The account can be reopened after October 1.