Truth-in-Savings Disclosures
Savings, Checking, Money Market and IRA Savings Accounts

Except as specifically described, the following disclosures apply to all of the accounts above:

1. Rate Information. The Dividend Rates and Annual Percentage Yields on these accounts are set forth above. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors.
2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rates and Annual Percentage Yield set forth above are accurate as of the Effective Date, which the Credit Union anticipates paying for the applicable dividend period.
3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for all dividend bearing accounts begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period as set forth above.
4. Accrual of Dividends. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.
5. Balance Information. The minimum balance required to open each account is set forth above. For Money Market accounts, the Dividend Rates and Annual Percentage Yields applicable depend on the balance ranges set forth above. Once your Money Market Account balance has met a particular range, the highest Dividend Rate and Annual Percentage Yield will apply to the entire balance in your Money Market Account. For Share Savings, Checking accounts, and IRA Savings accounts, the minimum balance required to obtain the stated Annual Percentage Yield is set forth above. If the minimum balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts except Checking accounts, dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. For Checking accounts, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
6. Account Limitations. The account limitations for each account are set forth above. For Share Savings, Secondary Savings, and Money Market accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, 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, or draft to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed.

The rates appearing in this schedule are accurate and effective for the stated accounts as of the effective date indicated. If you have any questions or require current rate information on your accounts, please call 503-220-2592.

NOTE: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

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Truth-in-Savings Disclosures
Certificate and IRA Certificate Accounts

Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information. The Dividend Rates and Annual Percentage Yields on your accounts are set forth above. 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. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. The Dividend Rates and Annual Percentage Yields applicable to each account depend on the balance ranges set forth above. Once a principal balance range is met, the highest dividend Rate and Annual Percentage Yield for that range will apply to the entire balance in your account.
2. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
3. Balance Information. The minimum balances required to open each account are set forth above. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
4. Accrual of Dividends. Dividends begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.
5. Transaction Limitations. After your account is opened, you may not make additional deposits to your account, except Holiday Certificate accounts. Dividends can be withdrawn on or after the crediting date. For Holiday Certificate accounts, your deposits may not exceed $5,000, and if you withdraw any funds, your account will be closed.
6. Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
7. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
   1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: for terms one year or less--the lesser of 90 days dividends or the amount of dividends since issuance; for terms greater than one year--the lesser of 180 days dividends or the amount of dividends since issuance.
   2. How the Penalty Works. 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.
   3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after 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 59½ or becomes disabled.
8. Renewal Policy. Except for Holiday Certificates, all accounts are automatically renewable accounts. For renewal accounts, your account will automatically renew for another term upon maturity, and 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. For Holiday Certificate accounts, you will receive dividends until October 31. On November 1, the account is transferred to another account of yours.
9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union. The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union.

NOTE: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

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Truth-in-Savings Disclosures
Other Certificate Accounts

Except as otherwise described, the following disclosures apply to the above certificate accounts:

1. Rate Information. The Dividend Rates and Annual Percentage Yields on your certificate accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on a certificate account based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the certificate account. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
2. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
3. Balance Information. The minimum balances required to open these certificate accounts are set forth above. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
4. Accrual of Dividends. Dividends begin to accrue on cash deposits on the business day you make the deposit to your certificate account. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your certificate account.
5. Transaction Limitations. After one of these certificate accounts is opened, you may make additional deposits to it. Dividends can be withdrawn on or after the crediting date.
6. Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt.
7. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
   1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: for terms one year or less--the lesser of 90 days dividends or the amount of dividends since issuance. In addition, the certificate cannot be reopened for 12 months.
   2. How the Penalty Works. 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.
   3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:i. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
8. Renewal Policy. These certificate accounts will not renew automatically. Dividends will be paid on October 31, (for Holiday and Tax Saver Certificates) and the funds will be transferred to your primary share savings account on November 1. The Money Builder and Easy Saver Certificates will be transferred to your primary share savings account at maturity.
9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
10. Subsequent Deposits: You may make additional deposits to the above certificates at any time. The Money Builder certificate requires subsequent monthly deposits of at least $10.00 by payroll deduction or by automatic transfer.
11. Age Requirement: The Easy Saver Certificate’s purpose is to help young members save, therefore the primary account owner must be under age 20 at the opening of the certificate. The rates appearing in this Schedule are accurate and effective for these specific Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union.

NOTE: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

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