<address>
<p><br />
<strong>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.</strong></p>
</address>

<h3><span>1. Rate Information. </span></h3>

<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, Student Savers, 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's Board of Directors. For Holiday Savings Club accounts, the dividend rate and annual percentage yield may change annually 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 that is set forth in the Rate Schedule.</span></p>

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

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>2. Natue of Dividends. </span></h3>

<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>

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>3. Dividend Compounding and Crediting. </span></h3>

<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>

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>4. Accrual of Dividends. </span></h3>

<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. 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>

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>5. Balance Information. </span></h3>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>To open any account, you must deposit or already have on deposit the minimum required share(s) in a Share account. 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, Student Savers, 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 dividend period, you will not earn the stated annual percentage yield. 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>

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>6. Account Limitations. </span></h3>

<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 disclosed 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 Student Savers accounts, in participation with Audubon Elementary School, students may join and make weekly deposits during the school year, maximum deposit balance of $2,500.00. For Preferred Share Investment Money Market) accounts, the maximum number of withdrawals (or transfers) during a month is three (3), and the minimum amount of withdrawal (or transfer) is $500.00. For Share Draft accounts, no account limitations apply.</span></p>

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

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>7. Fees for Overdrawing Accounts </span></h3>

<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 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 transactions, you must consent to the Credit Union's 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's 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>

<h3 style="line-height: normal; margin: 0in 0in 0pt"><span>Membership. </span></h3>

<p style="line-height: normal; margin: 0in 0in 0pt"><span>As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. </span></p>

<ul>
	<li style="display:block; list-style:none; width:300px;"><span style="display:inline-block; width:200px; float:left;">Par Value of One Share</span><span style="display:inline-block; width:100px;">$5.00</span></li>
	<li style="display:block; list-style:none; width:300px;"><span style="display:inline-block; width:200px; float:left;">Number of Shares Required</span><span style="display:inline-block; width:100px;">1</span></li>
	<li style="display:block; list-style:none; width:300px;"><span style="display:inline-block; width:200px; float:left;">Membership Fee</span><span style="display:inline-block; width:100px;">None</span></li>
</ul>

<p>&nbsp;</p>

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

<h2>FEE SCHEDULE</h2>

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

<table border="0" cellpadding="4" cellspacing="0" width="100%">
	<tbody>
		<tr>
			<td width="314">
			<h3>Share Draft Accounts Fees</h3>
			</td>
			<td width="1175">
			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Overdraft Fee</div>
			</td>
			<td>
			<div>$27.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Returned Item</div>
			</td>
			<td>
			<div>$27.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>NSF</div>
			</td>
			<td>
			<div>$27.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment Fee</div>
			</td>
			<td>
			<div>$25.00/Request</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Share Draft Printing Fee</div>
			</td>
			<td>
			<div>Prices may vary depending upon style.</div>
			</td>
		</tr>
		<tr>
			<td>Overdraft transfer from line of credit</td>
			<td>$5.00 / transfer</td>
		</tr>
		<tr>
			<td>Overdraft transfer from savings</td>
			<td>None</td>
		</tr>
		<tr>
			<td>Privilege Pay Overdrafts</td>
			<td>$27.00</td>
		</tr>
		<tr>
			<td>Online Bill Payer fee</td>
			<td>Free</td>
		</tr>
		<tr>
			<td>
			<p>&nbsp;Holiday Savings Club Account Fee for Early Closure</p>
			</td>
			<td>$10.00</td>
		</tr>
		<tr>
			<td>
			<h3><u>Other Service Fees</u></h3>
			</td>
			<td>
			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td height="22">
			<div><u>Wire Transfer</u></div>

			<div>Outgoing (Domestic)</div>

			<div>Outgoing (International)</div>

			<div>Incoming</div>
			</td>
			<td>
			<div>&nbsp;</div>

			<div>$25.00/Transfer</div>

			<div>$35.00/Transfer</div>

			<div>$5.00/Transger</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>Money Order Fee</div>
			</td>
			<td>
			<div>$1.50/Money Order</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Reconciliation Fee</div>
			</td>
			<td>
			<div>$20.00/Hour</div>

			<div>$20.00 Minimum Charge</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Research Fee</div>
			</td>
			<td>
			<div>$20.00/Hour</div>

			<div>$20.00 Minimum Charge</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Statement Copy Fee</div>
			</td>
			<td>
			<div>$5.00/Copy</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Activity Printout</div>
			</td>
			<td>
			<div>$5.00/Printout</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Deposited Item Return Fee</div>
			</td>
			<td>
			<div>$20.00/Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Inactive Membership</div>
			</td>
			<td>
			<div>$5.00/Month charged after one (1) year of inactivity</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Account Closure Fee</div>
			</td>
			<td>
			<div>$5.00 if account closed within 90 days.</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Photocopy Fee</div>
			</td>
			<td>
			<div>$2.00/Copy</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Stop Payment Cashier&#39;s Check</div>
			</td>
			<td>
			<div>$10.00/Check if Original check returned</div>

			<div>&nbsp;</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>

			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Noncompensating Funds Check Cashing Fee</div>
			</td>
			<td>
			<div>$10.00/Check</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>Visa Gift Card Purchase ($10.00 - $500.00)</div>
			</td>
			<td>
			<div>$3.95/Card</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Returned Statement Mail</div>
			</td>
			<td>
			<div>$5.00/Month</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>IRA Account Closure</div>
			</td>
			<td>
			<div>$20.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Foreign Item Deposit</div>
			</td>
			<td>
			<div>At Cost</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Canadian Item Deposit</div>
			</td>
			<td>
			<div>$10.00/Item</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Notary for SCCU Related Document</div>
			</td>
			<td>
			<div>None</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Notary for non-SCCU Related Document</div>
			</td>
			<td>
			<div>$5.00/Notary act</div>
			</td>
		</tr>
		<tr>
			<td>
			<h3><u>EFT Fees</u></h3>
			</td>
			<td>
			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Card Replacement Fee</div>
			</td>
			<td>
			<div>$5.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>ACH Overdraft Fee</div>
			</td>
			<td>
			<div>$27.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Debit Card Overdraft Fee</div>
			</td>
			<td>
			<div>$27.00</div>
			</td>
		</tr>
		<tr>
			<td>International transactions - ATM and Point of Sale</td>
			<td>1.00% of transaction, single and multi-currency</td>
		</tr>
		<tr>
			<td>ATM Fees at Coop Network ATM&#39;s</td>
			<td>None</td>
		</tr>
		<tr>
			<td>ATM Fees at non-Coop network ATM&#39;s</td>
			<td>Any ATM surcharges by other financial institutions will be charged to your account</td>
		</tr>
		<tr>
			<td>Expedited delivery of debit card and/or PIN</td>
			<td>
			<p>$5.00-$30.00 for card</p>

			<p>$5.00-$30.00 for PIN.</p>

			<p>Costs depend upon choice of delivery service</p>
			</td>
		</tr>
		<tr>
			<td>
			<h3><u>Safe Deposit Box Fees</u></h3>
			</td>
			<td>
			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Annual Rental</div>
			</td>
			<td valign="top">
			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td>
			<div align="center"><u>Size</u></div>
			</td>
			<td valign="top">
			<div align="left"><u>Fee</u></div>
			</td>
		</tr>
		<tr>
			<td>
			<div align="center">3 x 5</div>
			</td>
			<td valign="top">
			<div align="left">$25.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div align="center">3 x 10</div>
			</td>
			<td valign="top">
			<div align="left">$35.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div align="center">5 x 10</div>
			</td>
			<td valign="top">
			<div align="left">$45.00</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Change of Locks</div>
			</td>
			<td>
			<div>Costs will vary; we will bill the technician&#39;s costs</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Drilling of Boxes</div>
			</td>
			<td>
			<div>Costs will vary; we will bill the technician&#39;s costs</div>
			</td>
		</tr>
		<tr>
			<td>
			<h3><u>Loan Fees</u></h3>
			</td>
			<td>&nbsp;</td>
		</tr>
		<tr>
			<td>Classic VISA credit card annual fee</td>
			<td>$12.00</td>
		</tr>
		<tr>
			<td>Secured VISA credit card annual fee</td>
			<td>
			<p>$25.00</p>
			</td>
		</tr>
		<tr>
			<td>Diamond VISA credit card annual fee</td>
			<td>None</td>
		</tr>
		<tr>
		  <td>VSI Insurance</td>
		  <td>$50.00 Charged to account</td>
	  </tr>
		<tr>
			<td>VISA cash advance fee</td>
			<td>2.00% of cash advance, minimum $5.00</td>
		</tr>
		<tr>
			<td>HELOC Annual Fee</td>
			<td>$45.00</td>
		</tr>
		<tr>
			<td>Late loan payment fee</td>
			<td>5% of payment, minimum $25.00</td>
		</tr>
		<tr>
		  <td>Expedited VISA Card/PIN delivery</td>
		  <td>Cost depends on choice of service</td>
	  </tr>
		<tr>
			<td>Optional GAP coverage</td>
			<td>Available</td>
		</tr>
		<tr>
			<td>Optional Mechanical Breakdown coverage</td>
			<td>Available</td>
		</tr>
		<tr>
			<td>
			<h3><u><strong>Share Value</strong></u></h3>
			</td>
			<td>
			<div>&nbsp;</div>
			</td>
		</tr>
		<tr>
			<td>
			<div>Par value of one share</div>
			</td>
			<td>
			<div>$5.00</div>
			</td>
		</tr>
	</tbody>
</table>

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

<address>
The rates and fees appearing with this schedule are acurate of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
</address>

<p>Effective 7/1/2015</p>

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