RATES AND FEES**********

LOAN RATES – JULY * AUG. * SEPT.

Home Improvement

1 year 5.99% APR

2–3 years 6.99% APR

4-5 years 7.99% APR

6-7 years 9.99% APR

Vacation

1 year 6.99% APR

Back To School

1 year 6.99% APR

Computer

1 year 6.99% APR

2 years 7.99% APR

New Vehicle

2 years 2.99% APR

3-6 years 4.99% APR

Used Vehicle

2 years 4.75% APR

3-4 years 5.75% APR

5 years 5.99% APR

6 years 6.25% APR

Recreational Vehicle (titled vehicles only)

New and Used

Up to 2 years 5.99% APR

3 years 6.75% APR

4 years and up 7.75% APR

Bill Consolidation 12.00% APR

Signature 13.00% APR

VISA 10.99% APR

Home Equity 6.00% VAR

*Minimum $10,000.00 equity

*Minimum $2000.00 advance at closing

*No closing costs

*Existing home equity line of credit – min. $5000.00 draw to receive new rate

**Loan rates may revert to primary loan rates for new loans granted after July 31, 2010.

SHARE RATES

Regular Share .50% APR .50% APY

Special Share .50% APR .50% APY

2010 Christmas Club .50% APR .50% APY

Student Share .50% APR .50% APY

IRA Accumulator 1.75% APR 1.76% APY

IRA Roth 1.75% APR 1.76% APY

IRA 1 Year Certificate 1.75% APR 1.75% APY

IRA 2 Year Certificate 2.00% APR 2.00% APY

6 Month Certificate 1.00% APR 1.00% APY

1 Year Certificate 1.25% APR 1.25% APY

2 Year Certificate 1.50% APR 1.50% APY

FEE SCHEDULE

TRANSACTION ACCOUNT FEES

Overdraft $20.00/Item

NSF $20.00/Item

Returned Item $20.00 /Item

Stop Payment $5.00/Request

Copy of Cleared Draft $3.00/Draft

Share Draft Printing Prices vary depending on style

OTHER SERVICE FEES

Account Reconciliation $15.00/Hour

Deposit Item Return $20.00/Item

Wire Transfer Incoming $5.00/Transfer

Wire Transfer Outgoing $15.00/Transfer

International Wire Ask for rate

Corporate Check $1.00 to change payee name

Money Order $1.00/Money Order

Statement History $1.00/Statement

VISA Card Replacement $5.00/Card

Overdraft Transfer $2.00/Transfer

EFT FEES

ATM Withdrawal/Transfer $1.25/Transaction

*4 ATM withdrawals per month at no charge

Card Replacement $5.00/Card

Overdraft $20.00/Item

NSF Return Deposit $20.00/Item

Bill Payer $5.00/Item

SHARE VALUE

Par Value of One Share $25.00

Truth-In- Savings

Account Disclosure

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth in Savings disclosure are share accounts.

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 Christmas Share accounts, the dividend rate and annual percentage yield are fixed and will be in effect annually October 1 – September 30. The Credit Union will notify you at least 30 days in advance of any decrease. For Regular Share and Special Share accounts, the dividend rate and annual percentage yield may change quarterly as determined by the Credit Union’s Board of Directors. For IRA Share accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yield as of the last dividend declaration date, which is 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 frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period 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 day of the period.

4. Accrual of Dividends – For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Christmas Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

5. Balance Information – To open any account you must deposit or already have on deposit at least the par value of one full share in any account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. *For Regular Share accounts, you have 90 days to increase your account balance to $25.00. If you wish to draw your account balance below $25.00 at any time, you may close your account. **For Share Draft accounts, the minimum opening deposit must cover the cost of your check order. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For Regular Share accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated annual percentage yield. For accounts using the daily balance method as stated on the Rate Schedule, dividends are calculated by applying a daily periodic rare to the balance in the account each day.

6. Account Limitations – For Regular Share and Special Share accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from each account to another account 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 IRA Share and Christmas Share accounts, you may not make any preauthorized, automatic or telephone transfers from your account at any time. For Christmas Share accounts, the entire balance will be paid to you by check or transferred to another account of yours on or after October 1, and the account will remain open. If you withdraw any of the account balance at any time, we may impose a fee of all accrued, un-credited dividends on the account and your account will be closed. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Share Draft accounts, no account limitations apply.

7. Fees for Overdrawing Accounts – Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer, or paying a check, draft, or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item, or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.