RATE SCHEDULE

effective - 4/1/2013         SHARES AND SHARE DRAFT ACCOUNTS

BALANCE REQUIREMENTS

TRUTH IN SAVINGS ACCOUNT DISCLOSURE Except as specifically described, the following disclosures apply to all the above accounts.

1.       Rate Information.  The Dividend Rate and Annual Percentage Yield (APY) on your accounts as of the last Dividend Declaration Date are set forth above.  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 a 365-day period.  The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors.

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

3.      Compounding and Crediting.  Dividends will be compounded and credited as set forth above.  The Dividend Period for each account begins on the first calendar day of each month.

4.      Balance Information. Dividends will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account.  Except for Certificate or IRA accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

5.      Balance Information. The minimum balance required to open each account is set forth above.  Minimum balances are calculated using the Average Daily Balance method.  Dividends are also calculated using the Average Daily Balance method.  The Average Daily Balance method 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 that period.

6.        Account Limitations.  Account limitations for each account are set forth above.  For a Share Savings account in which transfer limitations apply, 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 expect these limitations, your account may be subject to a fee or be closed.