Effective February 1, 2011

I. Share Savings Accounts and Checking Accounts
Except as specifically described, the following disclosures apply to all of 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 all accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yields 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. However, for Christmas Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.
5. Balance Information. To open any account, you must deposit or already have on deposit at least the 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 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 accounts, no more than three (3) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. For IRA accounts, you may not make any pre-authorized, automatic or telephone transfers from your account to another account of yours or to a third party at any time. For Christmas Club accounts, the entire balance will be transferred to another account of yours on or after November 1st and the account will remain open. You may not make withdrawals from your Christmas Club accounts at any other time. If you wish to access the funds in your Christmas Club accounts, you will be charged a fee of all accrued, uncredited dividends. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Checking accounts, no account limitations apply.

II. Certificate Accounts
Except as specifically described, the following disclosures apply to all of the accounts.

1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For all accounts, the Interest Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. For accounts subject to Interest compounding, the Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
2. Interest Compounding and Crediting. The compounding and crediting frequency of interest applicable to each account is stated in the Rate Schedule.
3. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account, you must deposit or already have on deposit at least the 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. For Certificate of Deposit accounts, interest is calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day.
4. Accrual of Interest. For Certificate of Deposit accounts, interest will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.
5. Transaction Limitations. For Certificate of Deposit accounts, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated below.
6. Maturity. Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date.

Amount of Penalty. For Certificate Of Deposit accounts, the amount of the early withdrawal penalty is based on the term of your account. If the original maturity of the certificate is less than 12 months, the penalty is equal to the smaller of the following two amounts: interest earned since the date of issuance or renewal OR 90 days' interest. If the original maturity of the certificate is one (1) year or longer, the penalty is equal to the smaller of the following two amounts: interest earned since the date of issuance or renewal OR 180 days' interest.

Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

Renewal Policy. The renewal policy you have chosen for your account is indicated on your certificate. For accounts that automatically renew, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For accounts that do not automatically renew, you will not be paid dividends on the account after the maturity date. Upon maturity, the account balance will be transferred to your Share account.

Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable.