SHARE SAVINGS ACCOUNT

Rate Information:

Tho dividend rate and annual percentage yioid may change every dividend period We may change the dividend rate lor your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter Dividends will be credited to your account every quarter

Dividend period - For this account type, the dividend period is quarterly. for 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 March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending dato of a dividend period. and for the example above is April 1.

If you close your share account before dividends are paid, you will not receive the accrued dividends

Minimum balance requirements:

The minimum balance required to open this account is $5.00 You must maintain a minimum average daily balance of St00.00 in your account to obtain the disclosed annual percentage yield

Average dally balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the garter

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

No transaction limitations apply to this account unless otherwise stated m the Common Features section

Par value of a share:

The par value of a share in this account is $5 00

Fees and charges:

An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of six during a quarter

SHARE DRAFT ACCOUNT

Minimum balance requirements:

The minimum balance required to open this account is 25.00.

SECOND CHANCE CHECKING ACCOUNT
(SHARE DRAFT)

Minimum balance requirements:

The minimum balance required to open this account is $50.00. A fee of $25.00 will be charged at account opening

Transaction limitations:

No transaction limitations apply to this account unless otherwise stated in the Common Features section.

Fees and charges:

A monthly service fee of $12.00 will be charged each month