<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>
  <br />
</address>
<h3><span>1. Rate Information. </span></h3>
</p>
<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 accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will
remain on deposit until maturity. A withdrawal of dividends will reduce earnings. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. For TerShare Certificate accounts, if your Daily Balance is from $1,000.00 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is $25,000.00 or greater, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. 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. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.</span></p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</h3>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>2. Dividend Period. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>For each account the dividend period is the account&#8217;s term. The dividend period begins on the first day of the term and ends on the maturity date.</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 are stated 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>4. Balance Information. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account you must deposit or already have on deposit at least the par value of one full share in a Share account. The par value amount is $5.00. Some accounts may have additional minimum opening deposit requirements. For all accounts, dividends are calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day. For CU Succeed Term Share Certificate accounts, dividends are calculated by the daily balance method which applies 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>5. Accrual of Dividends. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>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.</span></p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</h3>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>6. Transaction Limitations. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>For all accounts, after your account is opened you may not make any withdrawals until the maturity date. If you wish to access the funds in your account, you may close it and a withdrawal penalty will be imposed as stated below. For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated below and your account will be closed. Partial withdrawals are not allowed. For CU Succeed Term Share Certificate accounts the maximum certificate balance is $25,000.00.</span></p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</h3>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>7. Maturity. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>Early Withdrawal Penalty. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>We may impose a penalty if you withdraw from your account before the maturity date.</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>Amount of Penalty. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>For all accounts, the amount of the withdrawal penalty will be a loss of all accrued dividends on the amount withdrawn; however, the penalty will never be less than seven (7) days dividends and will never exceed 90 days&#8217; dividends.</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>How the Penalty Works. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>Exceptions to Early Withdrawal Penalties. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span style="font-size: 10pt">(i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span style="font-size: 10pt">(ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account
is an IRA or Keogh and the owner attains age 59&frac12; or becomes disabled.</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>Renewal Policy. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>The renewal policy for your accounts is stated in the Rate Schedule. For all accounts, your account will automatically renew for another term upon maturity. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
</span></p>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;
	</p>
<h3 style="line-height: normal; margin: 0in 0in 0pt">
	<span>Nontransferable/Nonnegotiable. </span></h3>
<p style="line-height: normal; margin: 0in 0in 0pt">
	<span>Your account is nontransferable and nonnegotiable.</span></p>
    
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>
<h2>RATE SCHEDULE</h2>
<address><p>The rates, fees and terms applicable to your account at the Credit Union are provided in 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 border="0" cellpadding="4" cellspacing="0" width="100%" style="border-collapse:collapse; border:1px solid #999;">
  <tr>
    <td width="20%" style="border:1px solid #999;">&nbsp;</td>
    <td width="8%" align="center" style="border:1px solid #999;">Dividend<br />
    Rate<br />
    (%)</td>
    <td width="8%" align="center" style="border:1px solid #999;">Annual<br />
    Percentage<br />
    Yield (APY) %</td>
    <td width="8%" align="center" style="border:1px solid #999;">Rate Type</td>
    <td width="8%" align="center" style="border:1px solid #999;">Minimum<br />
    Opening<br />
    Deposit</td>
    <td width="8%" align="center" style="border:1px solid #999;">Dividends<br />
    Compounded</td>
    <td width="8%" align="center" style="border:1px solid #999;">Dividends <br />
    Credited</td>
    <td width="8%" align="center" style="border:1px solid #999;">Dividend<br />
    Period</td>
    <td width="8%" align="center" style="border:1px solid #999;">Additional<br />
    Deposits</td>
    <td width="8%" align="center" style="border:1px solid #999;">Withdrawals</td>
    <td width="8%" align="center" style="border:1px solid #999;">Renewable</td>
  </tr>
  <tr>
    <td colspan="3" style="border:1px solid #999;">Term Share Certificate Accounts</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Fixed</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">$1,000.00</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Monthly</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Monthly</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Account's Term</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Allowed</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Allowed - <br />
      see Transaction <br />
      Limitations <br />
    section</td>
    <td rowspan="4" align="center" valign="middle" style="border:1px solid #999;">Automatic</td>
  </tr>
  <tr>
    <td style="border:1px solid #999;">6 Month</td>
    <td align="center" style="border:1px solid #999;">.25</td>
    <td align="center" style="border:1px solid #999;">.25</td>
  </tr>
  <tr>
    <td style="border:1px solid #999;">12 Month</td>
    <td align="center" style="border:1px solid #999;">.35</td>
    <td align="center" style="border:1px solid #999;">.35</td>
  </tr>
  <tr>
    <td>24 Month</td>
    <td align="center" style="border:1px solid #999;">.45</td>
    <td align="center" style="border:1px solid #999;">.45</td>
  </tr>
  <tr>
    <td colspan="3" style="border:1px solid #999;">CU Succeed Term Share Certificate Accounts<br />
      (Members under age 18)</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Fixed</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">$100.00</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Monthly</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Monthly</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Account's Term</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Minimum<br />
    Monthly<br />
    Deposit of<br />
    $10.00</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Allowed - <br />
see Transaction <br />
Limitations <br />
section</td>
    <td rowspan="2" align="center" valign="middle" style="border:1px solid #999;">Automatic</td>
  </tr>
  <tr>
    <td>12 Month</td>
    <td align="center" style="border:1px solid #999;">.35</td>
    <td align="center" style="border:1px solid #999;">.35</td>
  </tr>
</table>
<p style="line-height: normal; margin: 0in 0in 0pt">&nbsp;</p>

<address>The rates and fees appearing in this Schedule are accurate as of the Effective 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 4/22/2014</p>
<div><img alt="" src="/upload_content/images/NCUA Logo.jpg" style="width: 150px; height: 70px;" /></div>