Except as specifically described, the following disclosures apply to all the discounts. All Accounts described in their Truth-in-Savings Disclosure 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 bases on the dividend rate and frequency of compounding for an annual period. For Share accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule.

2. Nature of Dividends

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

3. Dividend Compounding and Crediting

The compounding and crediting frequency of dividends and the dividend applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which and 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 all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit into your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. However for Share accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you opened it.

5. Balance Information

To open any account, you must deposit or already have on deposit the minimim required share(s) in a Share Savings Account account. Some accounts may have additional minimum opening requirements. The minimum balance requirements applicable for each account are set forth in the Rate Schedule. For Share accounts, there is a minimum required to avoid a service fee for the dividend period. If the minimum aaverage daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each dayof the period and dividing that figure by the number of days in the period.

6. Account Limitations

For Share accounts, you make make no m. ore than six (6) transfers and withdrawals from your account to another account of yours or a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order, or check, draft, debit card, or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Christmas Club Share accounts, the entire balance will be paid to you by check or transferred to another account of yours by November 23 and the account will remain open. You may not make withdrawals from your Christmas Club Share account at any other time. If you wish to access the funds in your Christmas Club Share account, you may close it at any time.

7. Fees for Overdrawing Accounts

Fees for overdrawing your account may be imposed on each check, draft item, ACH item, ATM transaction and one-time debit transaction (if member has consented to an overdraft protection plan for ATM and one-time debit transactions), preauthorized automatic debit, telephone-initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer, or paying a check, draft or ACH item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft item or transaction. If we have approved an overdraft protection limit to your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.

8. Fees for Inactive and Dormant Accounts

An account is presumed inactive if within the past twelve (12) months:

• The member has not increased or decreased the amount of deposit in the account; and
• The member has not corresponded in writing with the Credit Union concerning the account, and
• The member does not have another relationship with the Credit Union, such as a loan.

An account is presumed dormant if within the past thirty-six (36) months:

• TThe member has not increased or decreased the amount of deposit in the account; and
• The member has not corresponded in writing with the Credit Union concerning the account, and
• The member does not have another relationship with the Credit Union, such as a loan.

When an account meets the definition of "inactive" or "dormant" as defined in this policy, the Credit Union shall collect the inactive or dormand account fee according to the rate, fee schedule, and according to the terms provided in the Credit Union's account agreement until the remaining available balance the ownership share. Please refer to the Fee Schedule for current fee rates.