Money Market Account

Tiered Variable Rate Information
As of the last dividend declaration date:
If your daily balance is equal to or greater than $5,000.00 but less than $24,999.99, the dividend rate paid on the entire balance as of 8/1/11 was 0.20% with an annual percentage yield (APY) of 0.20% and the prospective dividend rate on the entire balance in your account will be 0.20% with a prospective APY of 0.20% for this dividend period on your account.

If your daily balance was equal to, or greater than $25,000.00, but less than $54,999.99, the dividend rate paid on the entire balance was 0.25% with an APY of 0.25%, and the prospective dividend rate on the entire balance in your account will be 0.25% with a prospective APY of 0.25% for this dividend period on your account.

If your daily balance was equal to, or greater than $55,000.00, but less than $100,000.00, the dividend rate paid on the entire balance was 0.40% with an APY of 0.40%, and the prospective dividend rate on the entire balance in your account will be 0.40% with a prospective APY of 0.40% for this dividend period on your account.

If your daily balance was equal to, or greater than $100,000.00, the dividend rate paid on the entire balance was 0.50%, with an APY of 0.50% and the prospective dividend rate on the entire balance in your account will be 0.50% with a prospective APY of 0.50% for this dividend period on your account.

***The dividend rate and APY may change at any time based on the determination of the Credit Union Board of Directors.  For purposes of this disclosure, this is a rate and APY that was offered within the most recent seven calendar days and was accurate as of 8/1/11.  Please call to obtain rate information.

Nature of Dividends
Dividends are paid for current income and available earnings, after required transfers to reserves, at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited monthly.  For this account type, the dividend period is monthly; for example, the beginning of the first dividend period of the calendar year is 01/01/10 and the ending date of such dividend period is 01/31/10.  All other dividend periods follow this same pattern of dates.  The dividend declaration date follows the ending date of a dividend period; and for the example, is 01/31/10.  Accrued dividends will be paid when you close this account.

Minimum Balance Requirements
To be a member and maintain accounts at our credit union, you must purchase one (1) share in the credit union.  The par value of a share in this credit union is $5.00.  The minimum balance to open this account is $5,000.00.

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
During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, or telephonic order or instruction.  You may only make six pre-authorized transfers from your account each statement period.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.  The credit union reserves the right to require a member intending to make a withdrawal from any account, except a share draft, to give written notice of such intent not less than seven days and up to sixty days before such withdrawal.

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