Common use of TRUTH IN SAVINGS DISCLOSURE Clause in Contracts

TRUTH IN SAVINGS DISCLOSURE. The rates, fees and terms applicable to Your Account at the Credit Union are provided in the Truth-In-Savings Disclosure. The Credit Union may offer other rates for the Accounts from time to time. SHARE CERTIFICATE Rate Information – The dividend rate on your term share account is indicated in the Rate Schedule below. You will be paid this rate until first maturity.  Compounding and Crediting frequency – Dividends will be compounded and credited to your certificate monthly.  Dividend period – The dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date.  Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) into Your Account.  Dividend withdrawal limitation – Dividends may be withdrawn only if We arrange a periodic dividend payment option at account opening. You may choose to receive Your monthly dividend by check, which will be mailed to You, or posted to Your share account. Otherwise, the dividend will be paid to the certificate monthly.  Transaction limitations – Once the account is opened, You may not make any additions into the account until the maturity date stated on the account.  Early withdrawal penalties – A penalty may be imposed for withdrawals before maturity; the penalty we impose is 90 days interest for a term of one year or less, or 180 days interest for a term of 18 months or more.  Minimum balance to open – Minimum balance to open this account is $500. You must maintain the minimum balance in order to obtain the disclosed annual percentage yield.  Automatically renewable account – This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity. We can prevent renewal if we mail a notice to you at least 30 days before maturity. If either You or We prevent renewal, Your funds will be placed in a dividend-bearing account. RATE SCHEDULE ACCOUNT TYPE SHARES 1 IRA SHARES 20 CHRISTMAS SHARES 09 VACATON SHARES 15 MONEY MARKET DRAFT 08 DIVIDENDS 0.05/0.05% 0.50//0.50% 0.05/0.05% 0.05/0.05% 0.15/0.15% Dividend Rate: 0.20/0.20% Annual Percentage: 0.30/0.30% Yield (APY): DIVIDENDS Compounded: Monthly Monthly Monthly Monthly Monthly Credited: Monthly Monthly Monthly Monthly Monthly Period: Monthly Monthly Monthly Monthly Monthly Example: The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is January 31.

TRUTH IN SAVINGS DISCLOSURE. The rates, fees and terms applicable to Your Account at the Credit Union are provided in the Truth-In-Savings Disclosure. The Credit Union may offer other rates for the Accounts from time to time. SHARE CERTIFICATE Rate Information – The dividend rate on your term share account is indicated in the Rate Schedule below. You will be paid this rate until first maturity.  Compounding and Crediting frequency – Dividends will be compounded and credited to your certificate monthly.  Dividend period – The dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date.  Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) into Your Account.  Dividend withdrawal limitation – Dividends may be withdrawn only if We arrange a periodic dividend payment option at account opening. You may choose to receive Your monthly dividend by check, which will be mailed to You, or posted to Your share account. Otherwise, the dividend will be paid to the certificate monthly.  Transaction limitations – Once the account is opened, You may not make any additions into the account until the maturity date stated on the account.  Early withdrawal penalties – A penalty may be imposed for withdrawals before maturity; the penalty we impose is 90 days interest for a term of one year or less, or 180 days interest for a term of 18 months or more.  Minimum balance to open – Minimum balance to open this account is $500. You must maintain the minimum balance in order to obtain the disclosed annual percentage yield.  Automatically renewable account – This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity. We can prevent renewal if we mail a notice to you at least 30 days before maturity. If either You or We prevent renewal, Your funds will be placed in a dividend-bearing account. RATE SCHEDULE ACCOUNT TYPE SHARES 1 IRA XXX SHARES 20 CHRISTMAS SHARES 09 VACATON SHARES 15 MONEY MARKET DRAFT 08 DIVIDENDS 0.05/0.05% 0.50//0.500.65/0.65% 0.05/0.05% 0.05/0.05% 0.15/0.15% Dividend Rate: 0.20/0.20% Annual Percentage: 0.30/0.300.75/0.75% Yield (APY): DIVIDENDS Compounded: Monthly Monthly Monthly Monthly Monthly Credited: Monthly Monthly Monthly Monthly Monthly Period: Monthly Monthly Monthly Monthly Monthly Example: The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is January 31.

TRUTH IN SAVINGS DISCLOSURE. The rates, fees and terms applicable to Your Account at the Credit Union are provided in the Truth-In-Savings Disclosure. The Credit Union may offer other rates for the Accounts from time to time. SHARE CERTIFICATE Rate Information – The dividend rate on your term share account is indicated in the Rate Schedule below. You will be paid this rate until first maturity.  Compounding and Crediting frequency – Dividends will be compounded and credited to your certificate monthly.  Dividend period – The dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date.  Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) into Your Account.  Dividend withdrawal limitation – Dividends may be withdrawn only if We arrange a periodic dividend payment option at account opening. You may choose to receive Your monthly dividend by check, which will be mailed to You, or posted to Your share account. Otherwise, the dividend will be paid to the certificate monthly.  Transaction limitations – Once the account is opened, You may not make any additions into the account until the maturity date stated on the account.  Early withdrawal penalties – A penalty may be imposed for withdrawals before maturity; the penalty we impose is 90 days interest for a term of one year or less, or 180 days interest for a term of 18 months or more.  Minimum balance to open – Minimum balance to open this account is $500. You must maintain the minimum balance in order to obtain the disclosed annual percentage yield.  Automatically renewable account – This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity. We can prevent renewal if we mail a notice to you at least 30 days before maturity. If either You or We prevent renewal, Your funds will be placed in a dividend-bearing account. RATE SCHEDULE ACCOUNT TYPE SHARES 1 IRA XXX SHARES 20 CHRISTMAS SHARES 09 VACATON SHARES 15 MONEY MARKET DRAFT 08 DIVIDENDS 0.05/0.05% 0.50//0.500.25//0.25% 0.05/0.05% 0.05/0.05% 0.15/0.150.10/0.10% Dividend Rate: 0.20/0.200.10/0.10% Annual Percentage: 0.30/0.300.25/0.25% Yield (APY): DIVIDENDS Compounded: Monthly Monthly Monthly Monthly Monthly Credited: Monthly Monthly Monthly Monthly Monthly Period: Monthly Monthly Monthly Monthly Monthly Example: The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is January 31.

TRUTH IN SAVINGS DISCLOSURE. The rates, fees and terms applicable to Your Account at the Credit Union are provided in the Truth-In-Savings Disclosure. The Credit Union may offer other rates for the Accounts from time to time. SHARE CERTIFICATE Rate Information – The dividend rate on your term share account is indicated in the Rate Schedule below. You will be paid this rate until first maturity.  Compounding and Crediting frequency – Dividends will be compounded and credited to your certificate monthly.  Dividend period – The dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date.  Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) into Your Account.  Dividend withdrawal limitation – Dividends may be withdrawn only if We arrange a periodic dividend payment option at account opening. You may choose to receive Your monthly dividend by check, which will be mailed to You, or posted to Your share account. Otherwise, the dividend will be paid to the certificate monthly.  Transaction limitations – Once the account is opened, You may not make any additions into the account until the maturity date stated on the account.  Early withdrawal penalties – A penalty may be imposed for withdrawals before maturity; the penalty we impose is 90 days interest for a term of one year or less, or 180 days interest for a term of 18 months or more.  Minimum balance to open – Minimum balance to open this account is $500. You must maintain the minimum balance in order to obtain the disclosed annual percentage yield.  Automatically renewable account – This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity. We can prevent renewal if we mail a notice to you at least 30 days before maturity. If either You or We prevent renewal, Your funds will be placed in a dividend-bearing account. RATE SCHEDULE ACCOUNT TYPE SHARES 1 IRA XXX SHARES 20 CHRISTMAS SHARES 09 90 VACATON SHARES 15 MONEY MARKET DRAFT 08 80 DIVIDENDS 0.05/0.05% 0.50//0.500.25//0.25% 0.05/0.05% 0.05/0.05% 0.15/0.150.10/0.10% Dividend Rate: 0.20/0.200.10/0.10% Annual Percentage: 0.30/0.300.25/0.25% Yield (APY): DIVIDENDS Compounded: Monthly Monthly Monthly Monthly Monthly Credited: Monthly Monthly Monthly Monthly Monthly Period: Monthly Monthly Monthly Monthly Monthly Example: The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is January 31.