Truth In Savings Account Disclosures
Except as specifically described, the- following disclosures apply to all of the accounts. All accounts described in this Rate & Fee Schedule are share accounts.

1. Rate Information. The Annual PercentageYield 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 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 prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
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 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.
4. Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.
5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Checking Accounts, 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 above. For all accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. 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 Savings, IRA Savings, Christmas Savings, and A-B-C Savings accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from 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. A-B-C Savings accounts are limited to those members seventeen (17) years of age and younger. For Money Management Savings and Checking accounts, no account limitations apply.

The rates and fees appearing in this schedule are accurate and effective for accounts as of 9/1/2004. If you have any questions or require current rate and fee information on your accounts, please call us at (614)221-9376.