TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE

SHARE ACCOUNT Rate Information:

The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Effect of closing account - If you close your Share account before dividends

are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum required to open this account is $5.00. Please see the bylaw requirements in the Common Features section for additional information. 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. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations: The maximum automated teller machine withdrawal we allow is $500.00 per day. The minimum automated teller machine withdrawal we allow is $5.00 per withdrawal. The above withdrawal limitation applies to this account in combination with Share Draft account(s). 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 preauthorized, automatic, or computer transfer or telephonic order or instruction or by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. Par value of a share: The par value of a share in this account is $5.00.

SHARE DRAFT ACCOUNT (Drafts are safekept)

Rate Information:

The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. Effect of closing account - If you close your Share Draft account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: No minimum balance requirements apply 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. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations:

The maximum automated teller machine withdrawal we allow is $500.00 per day. The minimum automated teller machine withdrawal we allow is $5.00 per withdrawal. The above withdrawal limitation applies to this account in combination with Share account(s). Share drafts/checks are the same as cash. Lost or stolen share drafts should be reported to us immediately.

BOOST CHECKING A C C O U N T Rate Information:

The dividend rates and Annual Percentage Yield (APY) may change every dividend period. This is a tiered-rate account. The dividend rates are variable and we may change the dividend rates for your account as determined by the credit union board of directors. The dividend rate(s) and APY for a particular month is dependent on your average daily balance and whether or not you meet ALL of the qualifications in a particular qualifying cycle. See our rate sheet for the tiers applicable to this account. Your applicable dividend rate(s) and Annual Percentage Yield Earned (APYE) will be disclosed on your statement each month.

Compounding and crediting - Dividends will be compounded daily. Dividends will be credited to your account every month in which they are earned. Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. Effect of closing account - If you close your Boost Checking account or convert your existing share draft account to the Boost Checking account before dividends are paid, you will not receive the accrued dividends. In the month that your Boost Checking account is closed, the qualifying cycle will end on the date the account was closed. Minimum balance requirements: No minimum balance requirements apply to this account. Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the 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. The period we use is the monthly statement cycle. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) into your account. Transaction limitations:

The maximum automated teller machine withdrawal we allow is $500.00 per day. The minimum automated teller machine withdrawal we allow is $5.00 per day. These withdrawal limitations apply to this account in combination with the Share Account. Share draft/checks are the same as cash. Lost or stolen share drafts should be reported to us immediately. Only one checking account allowed per membership number. Qualifications: To qualify for the higher dividend rate (up to the balances listed in the rate sheet), you must meet ALL of these qualifications in the qualifying cycle:

Have at least one direct deposit or multiple direct deposits totaling $900 or more to your membership in the qualifying cycle. (Remote Deposit Capture transactions do not qualify).

Receive your monthly statement electronically. Have 25 debit card transactions post and clear in the qualifying cycle.

Only debit card transactions processed by merchants and received by the credit union as POS, PIN POS, signature and PAVD qualify. ATM transactions are excluded. Qualifying Cycle: Qualifying cycle means a period beginning on the first day of the month and ending on the last day of the month. For example, for the month of November the qualifying cycle would begin on November 1 and end on November 30.

SAVINGS PLUS ACCOUNT Rate Information:

The dividend rate and annual percentage yield may change every week. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Effect of closing account - If you close your Savings Plus account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: No minimum balance requirements apply 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. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations:

During any statement period, you may not make more than six withdrawals by check. If you exceed the transfer limitations set forth above, your account will be subject to a NSF fee for each check withdrawal in excess of six per statement period, and your account may be subject to closure by the credit union.

CHRISTMAS CLUB ACCOUNT Rate Information:

The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

-1993 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO-CU 12/14/93 Custom 4r 200840679-010 MDF. EMITIS4

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Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Effect of closing account - If you close your Christmas Club account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: No minimum balance requirements apply 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. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations:

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawal is made from this account before the end of the club period, then this account may be closed.

ALL PURPOSE ACCOUNT Rate Information:

The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Effect of closing account - If you close your All Purpose account before

dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: No minimum balance requirements apply 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. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, 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 preauthorized, automatic, or computer transfer or telephonic order or instruction or by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

IRA CERTIFICATE OR COVERDELL EDUCATION CERTIFICATE Rate Information - See attached Term Share Certificate Disclosure Statement for dividend rate, annual percentage yield, compounding frequency, crediting frequency, dividend period, minimum balance and time requirements. 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. Effect of closing account ? If you close your IRA Term Share Certificate or Coverdell Education Certificate prior to maturity and before dividends are paid, you will not receive the accrued dividends. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. 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, and/or dividends, from your account before maturity only if we agree at the time you request the withdrawal. Principal, and/or dividends, withdrawn before maturity is included in the amount subject to early withdrawal penalty unless you have attained the age of 59 1/2. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

If your account has an original maturity of one year or less:

The penalty we may impose will equal 30 days dividends on the amount withdrawn subject to penalty whether earned or not If your account has an original maturity of more than one year:

The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty whether earned or not 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. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Dividends will be calculated on the same basis as during the original term. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

IRASHARE ACCOUNTORCOVERDELLEDUCATION SHARE ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change every week. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Effect of closing account ? If you close your IRA share account or Coverdell Education share account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum balance required to open this account is $1.00.

You must maintain a minimum daily balance of $1.00 in your account each day to obtain the disclosed annual percentage yield. 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. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations:

The maximum deposit we allow is based on IRS established contribution limits. The minimum deposit we allow is $1.00 per deposit. The credit union may require you to close this account if you make more than two (2) "non-qualifying" withdrawals during a calendar year. This provision will not apply if you are 59 1/2 years of age or older. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

TERM SHARE CERTIFICATE Rate Information - See attached Term Share Certificate Disclosure Statement for dividend rate, annual percentage yield, compounding frequency, crediting frequency, dividend period, minimum balance and time requirements. 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.

Effect of closing account ? If you close your Term Share Certificate prior to maturity and before dividends are paid, you will not receive the accrued dividends. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. 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 only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw dividends before maturity if you make arrangements with us for periodic payments of dividends in lieu of crediting. Early Withdrawal Penalties ? A penalty may be imposed for withdrawals before maturity. Refer to your Term Share Certificate and Disclosure Statement for penalties that may apply. 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. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Automatically renewable account - If this account will automatically renew at maturity, you may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive

-1993 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO-CU 12/14/93 Custom 4r 200840679-010 MDF. EMITIS4

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written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity. See Term Share Certificate Terms and Conditions and Disclosure for renewal terms. Dividends will be calculated on the same basis as during the original term.

For Term Share Certificates with automatic renewals, you will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

COMMON FEATURES Bylaw requirements: If you do not complete payment of one share in your Share account within six months of admission to membership, you may be terminated from membership any time after six months. I/We hereby consent to investigation of my credit in connection with application for membership and any other service application. Transaction limitation - We reserve the right to at any time require not less than

60 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).) National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. Please refer to our separate fee schedule for additional information about charges.

See attached rate sheet for details about dividend rates and annual percentage yields.

Rev. 9/17

-1993 Wolters Kluwer Financial Services - Bankers Systems* Form TIS-BRO-CU 12/14/93 Custom 4r 200840679-010 MDF. EMITIS4

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