1 Year Certificate

For purposes of this disclosure, this is the rate and APY that were offered within the most recent seven calendar days and were accurate as of 12/15/11.  Please call to obtain current rate information.

Fixed Rate Information
The dividend rate on your term share account is 0.60% with an annual percentage yield at 0.60%.  You will be paid this rate until maturity.

Compounding and Crediting
Dividends will be compounded quarterly and will be credited quarterly.  The annual percentage yield assumes dividends will remain on deposit until maturity.  A withdrawal will reduce earnings.

Dividend Period
The dividend period on this type of account is 1 year, beginning on the date the account is opened, and ending on the stated maturity date, unless renewed.

Minimum Balance Requirements
To be a member and maintain accounts at our credit union you must purchase 1 share(s) in the credit union.  The par value of a share in this credit union is $5.00.  The minimum balance required to open this account is $500.00.

Balance Computation Method
The daily balance method requires the application of a daily periodic rate to the full amount of principal in the account each day.

Accrual on Non-Cash Deposits
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Transaction Limitations
After the account is opened, you may not make deposits into the account until the stated maturity date.  Upon renewal, the interest that has been paid into your certificate and not withdrawn prior to renewal will become part of your new principal balance and subject to early withdrawal penalties.

Maturity Date
Your account will mature after 12 months.

Early Withdrawal Provisions
We will impose a penalty if you withdraw any of the principal before that maturity date.  The penalty imposed will equal 90 days of dividends on you account.

Renewal Policies
Your account will automatically renew at maturity.  You will have a grace period of 7 calendar days following the maturity date to make withdrawals and/or deposits without penalty.

NCUA
Your funds are Federally Insured to at least $250,000.00 and backed by the full faith and credit of the U.S. Government.  National Credit Union Administration, a U.S. Government Agency.

(c) 1995-2002, Compliance Systems Inc. Aug. 1, 2007 Page 1

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Copyright 1995, Compliance Systems Inc. 16:54 18-Sep-102