<h2 class="text-primary">RATE SCHEDULE</h2>
<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p></address>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>
<table class="terms" border="0" cellpadding="4" cellspacing="0" width="100%" style="border-collapse:collapse; border:1px solid #3b8149;">
  <tr>
    <td rowspan="2" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:20%; font-weight: bold;">ACCOUNT TYPE</td>
    <td colspan="4" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:40%; font-weight: bold;">DIVIDENDS</td>
    <td colspan="4" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:32%; font-weight: bold;">BALANCE REQUIREMENTS</td>
    <td rowspan="2" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">ACCOUNT LIMITATIONS</td>
  </tr>
  <tr>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width: 20%; min-width:200px; font-weight: bold;">Dividend Rate/ Annual Percentage Yield (APY)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Dividends<br />
    Compounded</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Dividends <br />
    Credited</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Dividend<br />
    Period</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Minimum Opening Deposit</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Minimum Balance to Avoid a Service Fee</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Minimum Balance to Earn the Stated APY</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Balance Method to Calculate Dividends</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Share</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5.00 to $999.99<br />
      .250
/ .250<br />
$1,000.00 to $4,999.99<br />
      .250
/ .250<br />    
$5,000.00 to $9,999.99<br />
.250
/ .250<br /> 
$10,000.00 to $24,999.99<br />
.250
/ .250<br />
$25,000.00 to $49,999.99<br />
.250
/ .250<br /> 
$50,000.00 to $99,999.99<br />
.250
/ .250<br />
$100,000.00 or greater<br />
.250
/ .250</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Holiday Savings Club</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">.500
/ .500</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$25.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$25.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Traditional IRA</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00 to $999.99<br />
      .250
/ .250<br />
$1,000.00 to $4,999.99<br />
.250
/ .250<br />
$5,000.00 to $9,999.99<br />
.260
/ .260<br /> 
$10,000.00 to $24,999.99<br />
.270
/ .270<br />
$25,000.00 to $49,999.99<br />
.280
/ .280<br />
$50,000.00 to $99,999.99<br />
.290
/ .290<br />
$100,000.00 or greater<br />
.300
/ .300</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Roth IRA</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">
    $50.00 to $999.99<br />
      .250
      / .250<br />    
    $1,000.00 to $4,999.99<br />
    .250
/ .250<br />
$5,000.00 to $9,999.99 / <br />
.260
/ .260<br />
$10,000.00 to $24,999.99 / <br />
.270
/ .270 <br />
$25,000.00 to $49,999.99<br />
.280
/ .280<br />
$50,000.00 to $99,999.99<br />
.290
/ .290<br /> 
$100,000.00 or greater<br />
.300
/ .300</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Coverdell Education Savings</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">.500
/ .500</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Preferred Share Investment <br />
    (Money Market)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5,000.00 to $24,999.99 / <br />
      .350
    / .350<br />    
    $25,000.00 to $49,999.99<br />
    .450
    / .450<br />
    $50,000.00 to $99,999.99<br />
    .550
    / .550<br />    
    $100,000.00 or greater<br />
    .570
    / .570</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5,000.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5,000.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Share Draft</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$25.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
  </tr>
</table>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<h2 class="text-primary">ACCOUNT DISCLOSURES</h2>
<p><b>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.</b></p>

<h5><span>1. Rate Information.</span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>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, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union%u2019s Board of Directors. For Holiday Savings Club accounts, the dividend rate and annual percentage yield may change annually as determined by the Credit Union%u2019s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Share, Traditional IRA, Roth IRA, and Preferred Share Investment (Money Market) accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is
met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>2. Natue of Dividends. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>3. Dividend Compounding and Crediting. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. 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 period and ends on the last calendar day of the period.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>4. Accrual of Dividends. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Holiday Savings Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>5. Balance Information. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>To open any account, you must pay a nonrefundable membership fee. Some accounts may have additional minimum opening deposit requirements. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education
Savings, and Preferred Share Investment (Money Market) accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>6. Account Limitations. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>For Share, Traditional IRA, Roth IRA, and Coverdell Education Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Holiday Savings Club accounts, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Holiday Savings Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee
Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Holiday Savings Club accounts, a minimum $25.00 monthly deposit is required. Maximum deposit balance is $5,000.00. For Preferred Share Investment (Money Market) accounts, you may make three (3) withdrawal(s) or transfer(s) from your account each month and the minimum amount of withdrawal or transfer is $500.00. If you exceed this limitation, your account may be closed. For Share Draft accounts, no account limitations apply.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>7. Fees for Overdrawing Accounts </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft
protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient
available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection
limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.</span></p>

<p style="line-height: normal; margin: 0in 0in 0pt; margin-top:10px;"><span>For ATM and one-time debit card transactions, you must consent to the Credit Union%u2019s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member%u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.</span></p>

<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>8. Membership. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>As a condition of membership, you must pay a nonrefundable membership fee as set forth below.</span></p>

<ul>
	<li style="display:block; list-style:none; width:300px; padding-top:20px;"><span style="display:inline-block; width:200px; float:left;">Membership Fee</span><span style="display:inline-block; width:100px;">$20.00</span></li>
</ul>

<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>9. Rates.</span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>The rates appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.</span></p>

<p>&nbsp;</p>

<h2 class="text-primary">FEE SCHEDULE</h2>

<table border="0" cellpadding="4" cellspacing="0" width="100%">
	<tbody>
		<tr style="border-top:none;">
			<td colspan="2">
		    <h5>General Fees</h5></td>
		</tr>
		<tr>
			<td>
			<div>Account Activity Printout</div>
			</td>
			<td>
			<div>$5.00 / Printout</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Closure</div>
</td>
			<td>
			<div>$5.00 if account closed within ninety (90) days</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Reconciliation</div>
			</td>
			<td>
			<div>$20.00 / Hour and $20.00 minimum charge</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Research</div>
			</td>
			<td>
			<div>$20.00 / Hour and $20.00 minimum charge</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Canadian Item Deposit</div>
			</td>
			<td>
            <div>$10.00 / Item</div>
          </td>
		</tr>
		<tr>
			<td><div>Cashier&rsquo;s Check</div></td>
			<td><div>$2.00 / Check if not payable to account owner</div></td>
		</tr>
		<tr>
			<td><div>Deposit Item Return</div></td>
			<td><div>$30.00 / Item</div></td>
		</tr>
		<tr>
			<td><div>Foreign Item Deposit</div></td>
			<td><div>At Cost</div></td>
		</tr>
		<tr>
			<td><div>Holiday Savings Club Account Early Closure</div></td>
			<td><div>$10.00</div></td>
		</tr>
		<tr>
			<td>
			<div>Inactive Membership</div>
			</td>
			<td><div>$5.00 / Month Charged after 1 year</div></td>
		</tr>
		<tr>
			<td>
			<div>IRA Annual Fee</div>
			</td>
			<td><div>The amount charged by the administrator</div></td>
		</tr>
		<tr>
			<td>
			<div>Money Order</div>
			</td>
			<td><div>$2.00 / Money Order</div></td>
		</tr>
		<tr>
			<td>
			<div>Noncompensating Funds Check Cashing</div>
			</td>
			<td><div>$10.00 / Check</div></td>
		</tr>
		<tr>
			<td>
			<div>Notary</div>
			</td>
			<td><div>$5.00 / Notary act</div></td>
		</tr>
		<tr>
			<td>
			<div>Overdraft Transfer from Line of Credit</div>
			</td>
			<td><div>$5.00 / Transfer</div></td>
		</tr>
		<tr>
			<td>
			<div>Photocopy</div>
			</td>
			<td><div>$2.00 / Copy</div></td>
		</tr>
		<tr>
			<td>
			<div>Returned Statement Mail</div>
			</td>
			<td><div>$5.00 / Month</div></td>
		</tr>
		<tr>
			<td>
			<div>Statement Copy</div>
			</td>
			<td><div>$5.00 / Copy</div></td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment Cashier&rsquo;s Check</div>
			</td>
			<td><div>$10.00 / Check if original check returned</div></td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment Cashier&rsquo;s Check</div>
			</td>
			<td><div>$35.00 / Check if original check not returned</div></td>
		</tr>
		<tr>
			<td>
			<div>Visa Gift Card Purchase ($10.00 - $500.00)</div>
			</td>
			<td><div>$3.95 / Card</div></td>
		</tr>
		<tr>
			<td>
			<div>Wire Transfer (Incoming)</div>
			</td>
			<td><div>$5.00 / Transfer</div></td>
		</tr>
		<tr>
			<td>
			<div>Wire Transfer (Outgoing) Domestic</div>
			</td>
			<td><div>$25.00 / Transfer</div></td>
		</tr>
		<tr>
			<td>
			<div>Wire Transfer (Outgoing) International</div>
			</td>
			<td><div>$5.00 / Transfer</div></td>
		</tr>

<tr>
			<td colspan="2">
            <h5>Share Draft Account Fees</h5></td>
		</tr>
		<tr>
			<td height="22">
			<div>NSF</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Overdraft</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Overdraft transfer from Line of Credit</div>
			</td>
			<td><div>$5.00 / Transfer</div>
		  </td>
		</tr>
		<tr>
			<td>
			<div>Privilege Pay Overdrafts</div>
			</td>
			<td>
			<div>$30.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Returned Item</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Share Draft Printing</div>
			</td>
			<td>
			<div>Prices may vary depending upon style</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment</div>
			</td>
			<td>
			<div>$30.00 / Request</div>
			</td>
		</tr>

		<tr>
			<td colspan="2">
			  <h5>EFT Fees</h5>
			</td>
		</tr>
<tr>
			<td>
			<div>ACH Overdraft</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>ATM Fees at Coop network ATM&rsquo;s</div>
			</td>
			<td>
			<div>None</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>ATM Fees at non-Coop network ATM&rsquo;s</div>
			</td>
			<td>
			<div>Any ATM surcharges by other financial institutions will be charged to your account.</div></td>
		</tr>
		<tr>
			<td>
			<div>Debit Card Overdraft</div>
			</td>
			<td>
			$30.00 / Item
		  </td>
		</tr>
		<tr>
			<td>
			<div>Expedited deliver of debit card and/or PIN</div>
			</td>
			<td>
			  <div>$5.00-$30.00 for card</div>
			  <div>$5.00-$30.00 for PIN</div>
              <div>Costs depend upon choice of delivery service</div>
            </td>
		</tr>
		<tr>
			<td>
			<div>International Transactions &#8212; ATM and Point of Sale</div>
			</td>
			<td>
			<div>1.00% of transaction, single and multi-currency</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Online Bill Payer</div>
			</td>
			<td>
			<div>Free</div>
			</td>
		</tr>


		<tr>
			<td colspan="2">
			  <h5>Safe Deposit Box Fees</h5>
			</td>
</tr>
		<tr>
			<td>
			<div>Annual Rental Size</div>
            <div>3" x 5" Box</div>
            <div>3" x 10" Box</div>
            <div>5" x 10" Box</div>
			</td>
			<td>
			<div>Fee</div>
            <div>$25.00 / Year</div>
            <div>$35.00 / Year</div>
            <div>$45.00 / Year</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Change of Locks</div>
			</td>
			<td>
			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Drilling of Boxes</div>
			</td>
			<td>
			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>
			</td>
		</tr>
        
<tr>
			<td colspan="2">
			  <h5>Loan Fees</h5>
			</td>
		</tr>
		<tr>
			<td>
			<div>Credit Card Annual Fee &#8211; Classic Visa</div>
			</td>
			<td>
			<div>$12.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Credit Card Annual Fee &#8211; Secured Visa</div>
</td>
			<td>
			<div>$25.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Expedited Visa Card/PIN delivery</div>
			</td>
			<td>
			<div>Cost depends upon choice of service</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>HELOC Annual Fee</div>
			</td>
			<td>
			<div>Up to $50.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Late loan payment</div>
			</td>
			<td>
			<div>5.00% of Payment, minimum $25.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Visa Cash Advance Fee</div>
			</td>
			<td>
			<div>2.00% of cash advance, minimum $5.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Add VSI Insurance</div>
			</td>
			<td>
			<div>$50.00 Charged to account</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Loan payments by phone</div>
			</td>
			<td>
			<div>Up to $18.00</div>
			</td>
		</tr>
	</tbody>
</table>

<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p>

<p>Effective 9/11/2019</p>


<div style="display:none;">
<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p></address>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>
<table class="terms" border="0" cellpadding="4" cellspacing="0" width="100%" style="border-collapse:collapse; border:1px solid #3b8149;">
  <tr>
    <td rowspan="2" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:20%; font-weight: bold;">ACCOUNT TYPE</td>
    <td colspan="4" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:40%; font-weight: bold;">DIVIDENDS</td>
    <td colspan="4" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:32%; font-weight: bold;">BALANCE REQUIREMENTS</td>
    <td rowspan="2" align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">ACCOUNT LIMITATIONS</td>
  </tr>
  <tr>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width: 20%; min-width:200px; font-weight: bold;">Dividend Rate/ Annual Percentage Yield (APY)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Dividends<br />
    Compounded</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Dividends <br />
    Credited</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Dividend<br />
    Period</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Minimum Opening Deposit</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Minimum Balance to Avoid a Service Fee</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Minimum Balance to Earn the Stated APY</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle; width:8%; font-weight: bold;">Balance Method to Calculate Dividends</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Share</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5.00 to $999.99<br />
      .250
/ .250<br />
$1,000.00 to $4,999.99<br />
      .250
/ .250<br />    
$5,000.00 to $9,999.99<br />
.260
/ .260<br /> 
$10,000.00 to $24,999.99<br />
.270
/ .270<br />
$25,000.00 to $49,999.99<br />
.280
/ .280<br /> 
$50,000.00 to $99,999.99<br />
.290
/ .290<br />
$100,000.00 or greater<br />
.300
/ .300</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Holiday Savings Club</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">.500
/ .500</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$25.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$25.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Traditional IRA</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00 to $999.99<br />
      .250
/ .250<br />
$1,000.00 to $4,999.99<br />
.250
/ .250<br />
$5,000.00 to $9,999.99<br />
.260
/ .260<br /> 
$10,000.00 to $24,999.99<br />
.270
/ .270<br />
$25,000.00 to $49,999.99<br />
.280
/ .280<br />
$50,000.00 to $99,999.99<br />
.290
/ .290<br />
$100,000.00 or greater<br />
.300
/ .300</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Roth IRA</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">
    $50.00 to $999.99<br />
      .250
      / .250<br />    
    $1,000.00 to $4,999.99<br />
    .250
/ .250<br />
$5,000.00 to $9,999.99 / <br />
.260
/ .260<br />
$10,000.00 to $24,999.99 / <br />
.270
/ .270 <br />
$25,000.00 to $49,999.99<br />
.280
/ .280<br />
$50,000.00 to $99,999.99<br />
.290
/ .290<br /> 
$100,000.00 or greater<br />
.300
/ .300</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Coverdell Education Savings</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">.500
/ .500</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Quarterly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$50.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account transfer and withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Preferred Share Investment <br />
    (Money Market)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5,000.00 to $24,999.99 / <br />
      .350
    / .350<br />    
    $25,000.00 to $49,999.99<br />
    .450
    / .450<br />
    $50,000.00 to $99,999.99<br />
    .550
    / .550<br />    
    $100,000.00 or greater<br />
    .570
    / .570</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Monthly (Calendar)</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5,000.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$5,000.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Daily Balance</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">Account withdrawal limitations apply.</td>
  </tr>
  <tr>
    <td style="border:1px solid #3b8149; vertical-align:middle; font-weight: bold;">Share Draft</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">$25.00</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
    <td align="center" style="border:1px solid #3b8149; vertical-align:middle;">&#8212;</td>
  </tr>
</table>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<h2 class="text-primary">ACCOUNT DISCLOSURES</h2>
<p><b>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.</b></p>

<h5><span>1. Rate Information.</span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>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, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union%u2019s Board of Directors. For Holiday Savings Club accounts, the dividend rate and annual percentage yield may change annually as determined by the Credit Union%u2019s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Share, Traditional IRA, Roth IRA, and Preferred Share Investment (Money Market) accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is
met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>2. Natue of Dividends. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>3. Dividend Compounding and Crediting. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. 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 period and ends on the last calendar day of the period.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>4. Accrual of Dividends. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education Savings, and Preferred Share Investment (Money Market) accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Holiday Savings Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>5. Balance Information. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>To open any account, you must pay a nonrefundable membership fee. Some accounts may have additional minimum opening deposit requirements. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share, Holiday Savings Club, Traditional IRA, Roth IRA, Coverdell Education
Savings, and Preferred Share Investment (Money Market) accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>6. Account Limitations. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>For Share, Traditional IRA, Roth IRA, and Coverdell Education Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Holiday Savings Club accounts, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Holiday Savings Club account, you may close it. If you close your account, you will be charged a fee as stated in the Fee
Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Holiday Savings Club accounts, a minimum $25.00 monthly deposit is required. Maximum deposit balance is $5,000.00. For Preferred Share Investment (Money Market) accounts, you may make three (3) withdrawal(s) or transfer(s) from your account each month and the minimum amount of withdrawal or transfer is $500.00. If you exceed this limitation, your account may be closed. For Share Draft accounts, no account limitations apply.</span></p>

<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>7. Fees for Overdrawing Accounts </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft
protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient
available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection
limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.</span></p>

<p style="line-height: normal; margin: 0in 0in 0pt; margin-top:10px;"><span>For ATM and one-time debit card transactions, you must consent to the Credit Union%u2019s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member%u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.</span></p>

<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>8. Membership. </span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>As a condition of membership, you must pay a nonrefundable membership fee as set forth below.</span></p>

<ul>
	<li style="display:block; list-style:none; width:300px; padding-top:20px;"><span style="display:inline-block; width:200px; float:left;">Membership Fee</span><span style="display:inline-block; width:100px;">$20.00</span></li>
</ul>

<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<h5 style="line-height: normal; margin: 0in 0in 0pt"><span>9. Rates.</span></h5>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>The rates appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.</span></p>

<p>&nbsp;</p>

<h2 class="text-primary">FEE SCHEDULE</h2>

<table border="0" cellpadding="4" cellspacing="0" width="100%">
	<tbody>
		<tr style="border-top:none;">
			<td colspan="2">
		    <h5>General Fees</h5></td>
		</tr>
		<tr>
			<td>
			<div>Account Activity Printout</div>
			</td>
			<td>
			<div>$5.00 / Printout</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Closure</div>
</td>
			<td>
			<div>$5.00 if account closed within ninety (90) days</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Reconciliation</div>
			</td>
			<td>
			<div>$20.00 / Hour and $20.00 minimum charge</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Research</div>
			</td>
			<td>
			<div>$20.00 / Hour and $20.00 minimum charge</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Canadian Item Deposit</div>
			</td>
			<td>
            <div>$10.00 / Item</div>
          </td>
		</tr>
		<tr>
			<td><div>Cashier&rsquo;s Check</div></td>
			<td><div>$2.00 / Check if not payable to account owner</div></td>
		</tr>
		<tr>
			<td><div>Deposit Item Return</div></td>
			<td><div>$30.00 / Item</div></td>
		</tr>
		<tr>
			<td><div>Foreign Item Deposit</div></td>
			<td><div>At Cost</div></td>
		</tr>
		<tr>
			<td><div>Holiday Savings Club Account Early Closure</div></td>
			<td><div>$10.00</div></td>
		</tr>
		<tr>
			<td>
			<div>Inactive Membership</div>
			</td>
			<td><div>$5.00 / Month Charged after 1 year</div></td>
		</tr>
		<tr>
			<td>
			<div>IRA Annual Fee</div>
			</td>
			<td><div>The amount charged by the administrator</div></td>
		</tr>
		<tr>
			<td>
			<div>Money Order</div>
			</td>
			<td><div>$2.00 / Money Order</div></td>
		</tr>
		<tr>
			<td>
			<div>Noncompensating Funds Check Cashing</div>
			</td>
			<td><div>$10.00 / Check</div></td>
		</tr>
		<tr>
			<td>
			<div>Notary</div>
			</td>
			<td><div>$5.00 / Notary act</div></td>
		</tr>
		<tr>
			<td>
			<div>Overdraft Transfer from Line of Credit</div>
			</td>
			<td><div>$5.00 / Transfer</div></td>
		</tr>
		<tr>
			<td>
			<div>Photocopy</div>
			</td>
			<td><div>$2.00 / Copy</div></td>
		</tr>
		<tr>
			<td>
			<div>Returned Statement Mail</div>
			</td>
			<td><div>$5.00 / Month</div></td>
		</tr>
		<tr>
			<td>
			<div>Statement Copy</div>
			</td>
			<td><div>$5.00 / Copy</div></td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment Cashier&rsquo;s Check</div>
			</td>
			<td><div>$10.00 / Check if original check returned</div></td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment Cashier&rsquo;s Check</div>
			</td>
			<td><div>$35.00 / Check if original check not returned</div></td>
		</tr>
		<tr>
			<td>
			<div>Visa Gift Card Purchase ($10.00 - $500.00)</div>
			</td>
			<td><div>$3.95 / Card</div></td>
		</tr>
		<tr>
			<td>
			<div>Wire Transfer (Incoming)</div>
			</td>
			<td><div>$5.00 / Transfer</div></td>
		</tr>
		<tr>
			<td>
			<div>Wire Transfer (Outgoing) Domestic</div>
			</td>
			<td><div>$25.00 / Transfer</div></td>
		</tr>
		<tr>
			<td>
			<div>Wire Transfer (Outgoing) International</div>
			</td>
			<td><div>$50.00 / Transfer</div></td>
		</tr>

<tr>
			<td colspan="2">
            <h5>Share Draft Account Fees</h5></td>
		</tr>
		<tr>
			<td height="22">
			<div>NSF</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Overdraft</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Overdraft transfer from Line of Credit</div>
			</td>
			<td><div>$5.00 / Transfer</div>
		  </td>
		</tr>
		<tr>
			<td>
			<div>Privilege Pay Overdrafts</div>
			</td>
			<td>
			<div>$30.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Returned Item</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Share Draft Printing</div>
			</td>
			<td>
			<div>Prices may vary depending upon style</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment</div>
			</td>
			<td>
			<div>$30.00 / Request</div>
			</td>
		</tr>

		<tr>
			<td colspan="2">
			  <h5>EFT Fees</h5>
			</td>
		</tr>
<tr>
			<td>
			<div>ACH Overdraft</div>
			</td>
			<td>
			<div>$30.00 / Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>ATM Fees at Coop network ATM&rsquo;s</div>
			</td>
			<td>
			<div>None</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>ATM Fees at non-Coop network ATM&rsquo;s</div>
			</td>
			<td>
			<div>Any ATM surcharges by other financial institutions will be charged to your account.</div></td>
		</tr>
		<tr>
			<td>
			<div>Debit Card Overdraft</div>
			</td>
			<td>
			$30.00 / Item
		  </td>
		</tr>
		<tr>
			<td>
			<div>Expedited deliver of debit card and/or PIN</div>
			</td>
			<td>
			  <div>$5.00-$30.00 for card</div>
			  <div>$5.00-$30.00 for PIN</div>
              <div>Costs depend upon choice of delivery service</div>
            </td>
		</tr>
		<tr>
			<td>
			<div>International Transactions &#8212; ATM and Point of Sale</div>
			</td>
			<td>
			<div>1.00% of transaction, single and multi-currency</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Online Bill Payer</div>
			</td>
			<td>
			<div>Free</div>
			</td>
		</tr>


		<tr>
			<td colspan="2">
			  <h5>Safe Deposit Box Fees</h5>
			</td>
</tr>
		<tr>
			<td>
			<div>Annual Rental Size</div>
            <div>3" x 5" Box</div>
            <div>3" x 10" Box</div>
            <div>5" x 10" Box</div>
			</td>
			<td>
			<div>Fee</div>
            <div>$25.00 / Year</div>
            <div>$35.00 / Year</div>
            <div>$45.00 / Year</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Change of Locks</div>
			</td>
			<td>
			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Drilling of Boxes</div>
			</td>
			<td>
			<div>Costs will vary, we will bill the technician&rsquo;s cost</div>
			</td>
		</tr>
        
<tr>
			<td colspan="2">
			  <h5>Loan Fees</h5>
			</td>
		</tr>
		<tr>
			<td>
			<div>Credit Card Annual Fee &#8211; Classic Visa</div>
			</td>
			<td>
			<div>$12.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Credit Card Annual Fee &#8211; Secured Visa</div>
</td>
			<td>
			<div>$25.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Expedited Visa Card/PIN delivery</div>
			</td>
			<td>
			<div>Cost depends upon choice of service</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>HELOC Annual Fee</div>
			</td>
			<td>
			<div>Up to $50.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Late loan payment</div>
			</td>
			<td>
			<div>5.00% of Payment, minimum $25.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Visa Cash Advance Fee</div>
			</td>
			<td>
			<div>2.00% of cash advance, minimum $5.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Add VSI Insurance</div>
			</td>
			<td>
			<div>$50.00 Charged to account</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Loan payments by phone</div>
			</td>
			<td>
			<div>Up to $18.00</div>
			</td>
		</tr>
	</tbody>
</table>

<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<p>The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.</p>

<p>Effective 12/31/2018</p>
</div>

<div><img alt="" src="/upload_content/images/NCUA Logo.jpg" style="width: 150px; height: 70px;" /></div>