Truth-in-Savings Disclosure

Except as specifically described, the following disclosures
apply to all of the accounts. All accounts described in this
Truth-in-Savings Disclosure 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 Share, Christmas Club and Special Club accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union's Board of Directors. For Individual Retirement 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.
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 divided 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.
5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For share and share draft accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance is not met, there will be a service fee as set forth. For Share accounts, service fee will be waived if you have a Certificate or IRA. For Share Draft accounts, the service fee is waived if you have Net Pay Deposit. For Christmas Club and Special Club accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For Share accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. For Christmas Club, Special Club and Individual Retirement 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. For Share accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.
6. Account Limitations. For Christmas Club accounts, if the account is closed before maturity, you cannot re-establish this account until the new club begins October 1st. If you withdraw any of the account balance at any time, we will charge your account an early withdrawal fee. You may make transfers or withdrawals in the first seven (7) days after the account is opened without restriction. For Special Club accounts, if the account is closed before maturity, you cannot re-establish this account until one year has passed. For Special Club accounts, one (1) withdrawal is allowed every three (3) months. For Christmas Club accounts, the entire balance will be transferred into either your Share or Share Draft account on or after October 1st and the account will remain open. For Individual Retirement accounts, no account limitations apply.
CUNA Mutual Group, 1993, 2007 #SD27052.5