Disclosures

(b) Checking Accounts. Dividends on your Checking Accounts will be compounded monthly and 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 31 st.

(c) Money Market 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

(b) All Other 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*.

(c) Checking Accounts. The minimum balance required to open this Account is $25.00. You must maintain a minimum daily balance of $500.00 in your Account to avoid a service charge. 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 Bounce Free 300 Checking and Honor Society Checking accounts

(d) Money Market 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 minmum balance required to open a Business Savings Account is $25.00. You must maintain a minimum 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 a Business Checking Account.

(f) Organization/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 to open these Checking Accounts is $25.00. There is no monthly service charge and no dividend is earned.

*Excludes Dollar Dog, cha-ching, and the edge Accounts

(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 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), 6 withdrawals 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.