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Truth-in-Savings: Share Accounts

Dividends on all accounts are compounded and paid quarterly. APY refers to Annual Percentage Yield. The following disclosure applies to Share Savings, IRA Savings, Holiday Club, and Share Draft Checking accounts.

1. Rate Information
The APY 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 Share Savings, IRA Deposit and Holiday Club accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Board of Directors. For Share Draft Checking the Dividend Rate and APY may change monthly as determined by the Board of Directors. The dividend rates and APY are the prospective rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.

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

3. 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 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 accounts, dividends will begin to accrue on non-cash deposits 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.

5. Balance Information
The minimum balance requirements applicable to each account are set forth in the Savings Rate Board. For Share Draft account there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance is not met, there will be a service fee as set forth in the Rate Schedule. For Share Savings and Draft Checking accounts, there is a minimum daily balance required to obtain the APY for the dividend period. If the minimum daily balance is not met, you will not earn the stated APY. For all accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6. Account Limitations
For Share draft accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account for yours or to a third party in any month. 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 paid to you by check or transferred to another account of yours on or after October 1 and the account will remain open. You may be charged a withdrawal fee for each withdrawal from the account. You may make transfers or withdrawals in the first seven days after the account is opened without restriction. For Share Savings accounts, five (5) withdrawals per month are allowed after which a fee will be imposed. For IRA Deposit accounts, no account limitations apply. See the Account Fee Schedule for any fees that may apply to your accounts.

Truth-in-Savings: Share and IRA Certificates

Dividends are compounded and paid monthly. APY refers to Annual Percentage Yield. The following disclosure applies to Share and IRA Certificates.

1. Rate Information
The APY 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 all accounts, the dividend rate and APY are fixed and will be in effect for the term of the account. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

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 of dividends applicable to each account is set forth in the Rate Board. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.

4. Balance Information
The minimum balance requirements applicable to each account are set forth in the rate board. For all accounts, dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day.

5. Accrual of Dividends
For Certificate accounts, dividends will begin to accrue on non-cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations
After your account is opened, your ability to make additional deposits to your account or withdrawals of dividends and any limitations on such transactions are set forth in the Rate Board.

7. Maturity
Your account will mature as indicated on the Rate and Fee Board, on your Account Receipt, or Renewal Notice.

NCUA

Your savings are federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.

We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.