SHARE SAVINGS ACCOUNT

Rate Information:

The Dividend Rate and Annual Percentage Yield are accurate as of the last dividend declaration date.

Compounding and crediting - Dividends will be compounded every quarter and credited to your account every quarter.

Dividend period - The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31.

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

Minimum balance requirements:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.

Average daily 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. The period we use is the quarterly statement cycle.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction Limitations:

During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the Credit Union.

Par value of a share:

The par value of a share in this account is $5.00.

Dividend Rate     Annual Percentage Yield
      0.50%             0.50%	

SHARE DRAFT/CHECKING ACCOUNT

Minimum balance requirements:

No minimum balance requirements apply to this account

Transaction limitations:

No transaction limitations apply to this account.

SPECIAL SHARE SAVINGS ACCOUNT

Rate information:

The Dividend Rate and Annual Percentage Yield are accurate as of the last dividend declaration date.

Compounding and crediting - Dividends will be compounded every quarter and credited to your account every quarter.

Dividend period - The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31.

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

Minimum balance requirements:

No minimum balance requirements apply to this account.

Average daily 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. The period we use is the quarterly statement cycle.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the Credit Union.

Dividend Rate     Annual Percentage Yield
      0.50%             0.50%	

CHRISTMAS CLUB ACCOUNT

Rate Information:

The Dividend Rate and Annual Percentage Yield are accurate as of the last dividend declaration date.

Compounding and crediting - Dividends will be compounded every quarter and credited to your account every quarter.

Dividend period - The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31.

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

Minimum balance requirements:

No minimum balance requirements apply to this account.

Average daily 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. The period we use is the quarterly statement cycle.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

No more than two withdrawals are allowed each year.

You may not make any withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

Dividend Rate     Annual Percentage Yield
      0.50%             0.50%	

SELECT SAVINGS ACCOUNT

Rate Information:

The Dividend Rate and Annual Percentage Yield are accurate as of: 03/08/2010

    Term        Dividend Rate     Annual Percentage Yield
   6 Months         1.25%              1.26%
  12 Months         1.50%              1.51%
  24 Months         1.60%              1.61%

You will be paid the above rate until first maturity.

Compounding frequency - Unless otherwise paid, dividends will be compounded every month.

Crediting frequency - Dividends will be credited to your account every month. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend period - For this type, the dividend period is monthly.

Minimum balance requirements:

The minimum balance required to open this account is $2,000.00 You must maintain a minimum daily balance of $2,000.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account. This dividend withdrawal limitation does not apply if you have made arrangements to have dividends paid to you or to another account in lieu of having them credited to this account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The penalty we may impose will equal 182 days dividends on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Non-automatically renewable account - This account will not automatically renew at maturity. If you do not renew the account, your deposit will be placed in a dividend-bearing account.

INDIVIDUAL RETIREMENT ACCOUNT

Rate Information:

The Dividend Rate and Annual Percentage Yield are accurate as of: 05/31/2009

  Term        Dividend Rate   Annual Percentage Yield
18 Months       1.74%              1.75%
30 Months       1.84%              1.85%

You will be paid the above rate until first maturity.

Compounding frequency - Dividends will be compounded every quarter.

Crediting frequency - Dividends will be credited to your account every quarter.

Dividend period - For this account type, the dividend period is quarterly.

Minimum balance requirements:

No minimum balance requirements apply to this account.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

You may make unlimited additions into your account.

There are no limitations on the frequency or timing of additions, except that no additions can be made in the last seven days before maturity.

You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - If your account has an original maturity of more than one year: The penalty we may impose will equal 182 days dividends on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your deposit will be placed in a dividend-bearing account.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Fees can reduce the earnings on any of the accounts listed herein.