1. Rate information. 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 Savings accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. For Money Market accounts, the Dividend Rate Rate and the Annual Percentage Yield may change at any time as determined by the Credit Union's Board of Directors. The Dividend Rates and the Annual Percentage Yields are the rates and the yields of the last dividend declaration date which was set forth in the Rate Schedule.

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

3. Dividend Compounding and Crediting. The compounding and crediting of dividends and dividend period applicable to each account are set forth 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.

4. Accrual of Dividends. For Savings and Money Market accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Savings accounts, there is a minimum daily balance required to obtain the Annual Percent Yield of the dividend period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. For Savings accounts using a Daily Balance method, dividends are calculated by applying the daily periodic rate to the principal in the account each day.

6. Account Limitations. For Money Market accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For Savings and Checking accounts, no account limitations apply.