Disclosures

These Schedules and Disclosures set forth certain terms, rates and fees applicable to your Share (Savings), Checking and Money Market Draft Accounts at DATCU, and are incorporated as part of your Account Agreement with us.

CERTIFICATES OF DEPOSIT

Rate Information. The interest rate and APY on CD Accounts are fixed and will be paid until the first maturity date on the CD. The disclosed interest rate and APY for CD Accounts are those that were offered within the most recent 7 calendar days.

Balance Computation Method. Interest is calculated on your CD by the average daily balance method, which applies a periodic rate to the average daily balance in the account for that period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Interest. Interest on your Certificates of Deposit will begin to accrue on the business day you deposit cash and non-cash items (such as checks) to your Account.

Compounding and Crediting. Interest on your Certificates of Deposit will be compounded and credited monthly for all CDs when interest is paid into the CD. Interest will not be compounded when paid either by check mailed to you or by posting to another of your credit union accounts.

Withdrawal of Interest Prior to Maturity. For all Certificates of Deposit, the annual percentage yield is based on an assumption that interest will remain in the Account until maturity. Any withdrawal will reduce earnings. Interest that has been posted to a Certificate of Deposit may be withdrawn without a penalty.

Transaction Limitations. After your Certificate account is opened, you may not make deposits* into the Account until the maturity date stated on the Certificate. (*Certificates of one year terms or greater may deposit to the Certificate one time during the term.) IRA Certificates are subject to certain penalties for early withdrawal imposed by the Internal Revenue Service. Please refer to your IRA Agreement. The terms of your IRA Agreement will control over the terms in this Agreement in the event of any conflict. Your Certificates of Deposit are non-transferable and non-negotiable except for use as collateral on a loan, which you obtain from us.

Penalties for Early Withdrawal of Principal. We may impose a penalty if you withdraw any of the principal in your Account before the maturity date. A penalty will be charged only on the amount of principal withdrawn provided, however, that if a withdrawal reduces the Certificate Account below any required minimum balance, the entire Certificate must be redeemed. The penalty will equal 31 days of interest on Certificates with a term of 91 days, when the term is 6 months, 9 months, one year or 18 months, the penalty equals 90 days of interest. When the term is 2 years or 3 years, the penalty equals 180 days of interest. When the term is 4 years or 5 years, the penalty is 365 days of interest. To the extent that interest in the Account at the time of withdrawal is insufficient to pay the entire penalty assessed, the penalty will be assessed against principal.

Renewal Policies. At the time you open the Account you may elect whether or not the Certificate will renew automatically at maturity. If your Certificate of Deposit will automatically renew at maturity, you will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the Account without being charged an early withdrawal penalty. If your Certificate of Deposit will not renew automatically and interest has been paid during the term of the Certificate into another account of yours, at maturity funds will be paid into that account. If interest has not been paid during the term of the Certificate into another account of yours, at maturity funds will be paid into your Regular Share Account. IRA Certificates that do not renew at maturity will be paid to your IRA Savings Account.

National Credit Union Share Insurance Fund. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Rate Information. The dividend rate and Annual Percentage Yield (APY) on your Credit Union Share (Savings) Accounts, Checking Accounts, IRA Share (Savings) Accounts, Checking Accounts and Money Market Draft Accounts may change every dividend period as determined by the Credit Union Board of Directors.

Compounding and Crediting.
(a) Share (Savings) Accounts and IRA Share (Savings) Accounts. Dividends on all Share (Savings) Accounts and IRA Share (Savings) Accounts will be compounded quarterly and credited quarterly. The dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1st, and the ending date of such dividend period is March 31st. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for the example, is March 31st.

(b) Checking Accounts. *Dividends on applicable Checking Accounts will be compounded monthly and be credited monthly. The dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for the example, is January 31st.

(c) Money Market Draft Accounts. Dividends on your Money Market Accounts will be compounded monthly and credited monthly. The dividend period is monthly, for example, the beginning date of the first dividend period is January 1st and the ending date of such dividend is January 31st. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for example, is January 31ST.

*Not all Checking Accounts earn dividends.

Effect of Closing. If you close your account before dividends are paid, you will not receive the accrued dividends.

Balance Computation Method. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the Account for the period. The average daily balance is calculated by adding the balance in the Account for each day of the period and dividing that figure by the number of days in the period.

Minimum Balance Requirements.
(a) Regular Share (Savings) Accounts. The minimum balance required to open this Account is $25.00. You must maintain a minimum average daily balance of $100.00 in your Account to obtain the disclosed APY*.

(b) Other Share (Savings) Accounts. The minimum balance required to open these Accounts is $25.00. You must maintain a minimum average daily balance of $100.00 in your Account to obtain the disclosed APY*.

(c) Checking Accounts. The minimum balance required to open these Accounts is $25.00. You must maintain a minimum daily balance of $500.00 in your Account to avoid a service charge on applicable Checking Accounts. If, during any month, your account balance fails below the required minimum, your Account will be subject to a service charge of $7.00 for that month. For dividend bearing Checking Accounts, you must maintain a minimum average daily balance of $500.00 in your Account to obtain the disclosed APY. All minimum balance requirements are waived for Classic Checking Accounts, “Bounce Free” Checking Account with Non Return Privilege $300, "The Honor Society" Checking Accounts and Business Checking Accounts.

(d) Money Market Draft Accounts. The minimum balance required to open this Account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 to avoid a service charge. If during any month, your account balance falls below the required minimum, your Account will be subject to a service charge of $10.00 for that month. You must maintain a minimum average daily balance of $2,500.00 to obtain the disclosed APY.

(e) Business Accounts. The minimum balance required to open a Business Savings Account is $25.00. You must maintain a minimum average daily balance of $100.00 to obtain the disclosed APY. The minimum balance required to open a Business Checking Account is $25.00. There is no dividend earned on Business Checking Accounts. You will be allowed up to three hundred (300) items to transact on your Business Account per month without a charge. A $ .25 per item fee will be charged for each additional item over three hundred (300) at month end. Transaction includes withdrawals, checks, or items deposited to your Business Savings and / or Checking Account.

(f) Organization Accounts / Association Accounts. The minimum balance required to open these Savings Accounts is $25.00. You must maintain a minimum daily balance of $100.00 to obtain the disclosed APY. The minimum balance required to open these Checking Accounts is $25.00. There is no monthly service charge and no dividend is earned.

* Excludes DATCU Dudes Accounts.

Accrual of Dividends. Dividends will begin to accrue on the business day you deposit cash and non-cash items (such as checks) to your Account.

Transaction Limitations.
(a) For your Share (Savings) Accounts, the Credit Union reserves the right to require up to sixty (60) days' notice prior to withdrawal or transfer of funds. During any month, you may make no more than six (6) withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic, computer transfer or telephonic order or instruction. There is no limit on the number of transactions you make in the following manner:

(1) transfers to any loan account with us, (2) transfers to another account of yours with us or withdrawals when such transfer or withdrawal is initiated in person, by mail, or at an ATM. If you exceed the transfer limitations set forth above, your account may be subject to closure by the Credit Union.

(b) A MasterCard Share (Savings) Account may be opened only to provide funds to secure your MasterCard Account with us. Withdrawals are not permitted to the extent that the balance would be reduced below the balance on your MasterCard.

(c) Your IRA Share (Savings) Account is subject to certain penalties for early withdrawals imposed by the Internal Revenue Service. Please refer to your IRA Agreement. The terms of your IRA Agreement will control over the terms of this Agreement in the event of any conflict.

(d) On your Money Market Draft Account you may make no more than six (6) withdrawals monthly (including, but not limited to, withdrawals made by Automated Clearing House (ACH), telephone, Internet, or wire), no more than three (3) of which may be by check, draft or similar order payable to a third party. Overdraft protection will not be offered or allowed on your Money Market Account. If transfer request would exceed the transfer limitations set forth above in any statement period, we may refuse or reverse the transfer, and suspend or close your Account, and we may impose a charge. If you continue to exceed any transfer limits on your Account after the Credit Union has notified you of such transfer violation, your Account will be subject to closure. Funds on deposit will be transferred to your regular Share Savings (01) Account.

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

Par Value of Shares. The par value of a regular share in this Credit Union is $25.00.

National Credit Union Share Insurance Fund. Member Accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

STATEMENT FREQUENCY
Statements are provided at least quarterly. ACH activity will generate a monthly statement.

CHECKING ACCOUNT TYPES

Interest Checking / Can earn a dividend / May have a monthly service charge if applicable.
Free Checking / No dividend earned / No monthly service charge / No *NRP.
Business Checking / No dividend earned / No monthly service charge / $ .25 per item after 300.
Organization Checking / No dividend earned / No monthly service charge.
Bounce Free Checking/ No dividend earned / No monthly service charge (*NRP $300).
Select 7 Checking / Can earn a dividend / May have a monthly service charge if applicable / Direct deposit required.(*NRP $700).
Honor Society Checking / For members age 60 or better / Earns a dividend / No monthly service charge.

*NRP = Non Return Privilege.

You may have a MasterCard Check Card on any Checking Account.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.	We do business in accordance with the federal fair housing law and the equal opportunity act.
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