Truth-In-Savings Fee Schedule

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. The dividend rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. For Share Draft/Checking accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's board of Directors. For Certificate accounts the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Dividend Compounding and Crediting. The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period 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.

Accrual of dividends. For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For ShareDraft/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 of the period and dividing that figure by the number of days in the period.

Account Limitations. For Share Savings, Vacation Club, Peak Investors Club, Moola Moola Club, Christmas Club, and First Step Club for Teens accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made form 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 a Holiday Club account, the entire balance will be transferred to your Primary Share Savings account on or after November 1, and the account will remain open. You may be charged a withdrawal fee of $10.00 for each withdrawal from the account. For Share Savings accounts, three (3) withdrawals per quarter are allowed after which a fee will be imposed. For IRA Savings accounts, no account limitations apply. For ShareDraft/Checking accounts, no account limitations apply. For Share and IRA Certificate accounts you are not allowed to make additional deposits and your ability to make withdrawals is limited to dividends earned only.

Additional Disclosures pertaining to Share Certificate accounts: Maturity. Your account will mature as indicated on your Certificate, Account Receipt, or Renewal Notice.

Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date. For all accounts, the amount of the early withdrawal penalty for your accounts is all dividends earned. The penalty is a forfeiture of all dividends that have been earned on the account. If the dividends have already been paid, the penalty will be deducted from the principal.

Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

• When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
• Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount at least equal to the simple interest earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

Renewal Policy. The renewal policy for your accounts is indicated in the Rate Schedule. For IRA Certificate accounts, your account will automatically renew for another term upon maturity. For IRA Certificate accounts, you have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For Share Certificate accounts, your account will not automatically renew, but you may renew the account at your option. Dividends will be paid at maturity and the balance transferred to your Primary Share Savings account.

Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union. The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at 1-800-876-8887.