Effective January 1, 2011

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

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please contact the Credit Union.

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule 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. For Share Draft 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 as of the last dividend declaration date which is set forth in the Rate Schedule. The Regular Share, Special Savings, Share Escrow and Share Draft accounts are Tiered Rate accounts. If your account balance is $500.00 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your account balance is greater $500.01, the second Dividend Rate and range of Annual Percentage Yields listed for this account will apply. Once a particular balance range is met, the Dividend rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
   
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. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
   
5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal 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 Regular Share 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. For a Christmas Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after November 1 and the account will remain open. You may make one (1) additional withdrawal; after more than one (1) withdrawal, a fee will be charged. For a Vacation Club account, the entire balance will be paid to you by check or transferred to another account of yours and the account will remain open. If you withdraw any of the account balance, a fee will be charged. You may make transfers or withdrawals in the first seven (7) days after the account is opened without restriction. For Special Savings, IRA, Share Escrow and Share Draft accounts, no account limitations apply.