Share Certificate Disclosures

By opening a share certificate, you have agreed to keep the funds on deposit for the agreed upon stated term beginning on the issue date and expiring on the maturity date. The share certificate will not be considered open until we receive your funds. If we don't receive your funds within five (5) days of your request, the interest rate in effect when we receive your funds shall apply.

Minimum balance requirement: The minimum balance required to open this account is $500. You must maintain a minimum daily balance of $500 in your account each day to obtain the disclosed annual percentage yield.

• Compounding frequency: Unless otherwise paid, dividends will accrue daily and compound quarterly.
• Crediting frequency: Dividends will be credited to your certificate account the last day of every quarter. Alternatively, you may choose to have dividends paid to you or to another account every month or quarter, rather than credited to this account.
• Daily balance computation method: Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
• Transaction limitations: After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account. This dividend withdrawal limitation does not apply if you have made arrangements to have dividends paid to you or to another account in lieu of having them credited to the account.

Renewal policy: Share certificates will automatically renew for the same time period as the initial certificate. There is a 10-day grace period after each renewal date during which withdrawals are permitted without penalty. You must notify us before or within the 10-day grace period after the maturity date if you do not want this certificate to automatically renew.

Early withdrawal penalties (a penalty will be imposed for withdrawals before maturity):

• If your account has an original maturity of one year or less:
  The penalty will equal seven days dividends on the amount withdrawn if the withdrawal is made within the first six days after the account is opened or renewed. After the sixth day, the penalty is the lesser of all dividends on the amount withdrawn.
• If your account has an original maturity of more than one year:
  The penalty will equal 90 days dividends on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax-qualified plan.

Your savings are insured to $250,000 by the National Credit Union Association, a U. S. Government Agency. Your next $250,000 is insured by Excess Share Insurance.