(For Business Share (Savings) Accounts, Business Checking Accounts, Business Money Market Accounts, and Business Certificates of Deposit Accounts)

Rate Information. For interest bearing accounts, the disclosed interest rate and APY are those that were offered within the most recent seven calendar days. For dividend bearing accounts, the disclosed dividend rate and APY are the prospective rate and yield the Credit Union Board of Directors anticipates will be paid for the current dividend period. The disclosed rate and APY may change monthly based on the determination of the Credit Union Board of Directors.

Compounding and Crediting. Dividends and interest will be compounded monthly and credited monthly. For your Share (Savings) Accounts, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. 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.

Balance Information. We calculate dividends and interest using the daily balance method that applies a daily periodic rate to the balance in the account each day. Dividends and interest will begin to accrue on the business day you deposit cash and non-cash items (such as checks) to your account. Certain minimum balance requirements that apply to your accounts are disclosed above. If a service fee is disclosed, your account will be subject to the fee if your account balance falls below the required minimum daily balance during any month.

Transaction Limitations. For your Money Market Account, during any statement period, 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 pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order made by you and payable to third parties. If you exceed these transfer limitations, your account will be subject to closure. The Credit Union reserves the right to require a member intending to make a withdrawal from any account (except checking accounts) to give written notice of such intent not less than seven days, and up to sixty days before such withdrawal.

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

National Credit Union Share Insurance Fund. The National Credit Union Share Insurance Fund federally insures member accounts in this Credit Union.