Rate Information The APY is a percentage rate that effects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate APY may change at any time as determined by the Credit Union's Board of Directors.

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

Dividends Compounding and Crediting The compounding and crediting of dividends and dividend period applicable to each account is set form in the Rate Free Schedule (above).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 month and ends on the last calendar day of the month. Dividends posted to the account on the last day of the month are based on the daily periodic method.

Accrual of Dividends For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.

Balance Information The minimum balance requirements applicable to each account are set forth in the Rate and Fee Schedule (above). For all accounts dividends are calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day.

Account Limitations Savings/Money Market Accounts-No more than six (6) pre-authorized, 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 will be subject to a $1.00 per transaction overlimit fee. Checking -If the checks written per month exceeds the number allowed in the Rate and Fee Schedule listed above a $0.25 per check fee will be charged each check that exceeds the limit.

Business Debit/ATM Cards This card may be used at Automatic Teller Machines (ATM) and Point of Sale locations or if debit card used for purchases/withdrawals only. Commercial accounts are prohibited from making deposits in the ATM Machines.