Effective July 1, 2009

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

TRUTH IN SAVINGS DISCLOSURE

I. Share Savings Account and Share Draft Accounts

Except as specifically described, the following disclosures apply to all the accounts. All accounts described in this 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 based on the dividend rate and frequency of compounding for an annual period. For Share Savings, Christmas Savings, IRA Savings, Junior Savings and Young Adult Savings accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union’s Board of Directors. For Money Market Draft, Value Plus Checking and Young Adult Checking accounts, the Dividend Rate and Annual Percentage Yield are the rates and yield 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 to reserves at the end of the dividend period.
   
   
3. Dividend Compounding and Crediting: The compounding and crediting frequency of dividends and dividend period applicable to each account are stated 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. If you close your account before accrued dividends are credited, you will not receive the accrued dividends.
   
   
5. Balance Information: To open any account you must deposit or already have on deposit at least par value of one full share in a Share account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For Money Market Accounts, there is a minimum Average Daily Balance required to avoid a service fee for the dividend period. If the minimum Average Daily Balance is not met during the dividend period, there will be a service fee as stated in the Rate Schedule. For Share Savings, Money Market Draft, and Value Plus Checking accounts, there is a minimum Average Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. If the minimum average daily balance 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 on 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 balance in the account for each day of the period and dividing that figure by the number of days in the period.
   
   
6. Account Limitations: For Share Savings, Junior Savings and Young Adult Savings accounts, no more than six (6) preauthorized automatic, or telephone transfers may be made from each account to another account or to a third part 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 closed. For Share Savings, Junior Savings and Young Adult Savings accounts, you will be charged a fee as disclosed in the Fee Schedule for any withdrawal or transfer from your account in the excess of four (4) per month. For Christmas Savings accounts, the entire balance will be paid to you by check on or after November 1st and the account will remain open. You may not make withdrawals from your account at any time. If you wish to access the funds in your Christmas Savings accounts you may close it. For IRA Savings accounts, you will be charged a fee as diclosed in the Fee Schedule for any withdrawal you make within 90 days of account opening. For Money Market Draft Accounts, you will be charged a fee as disclosed in the Fee Schedule for any withdrawal or transfer in excess of three (3) per month. The minimum amount for any withdrawal from your Money Market Draft account is $500.00. For Checking, Value Plus Checking and Young Adult Checking accounts, no account limitations apply.
   
   
7. Fees for Overdrawing Accounts: Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchases, 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 item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed regardless of whether we pay or return the draft, item or transaction. If we approve an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.