ACCOUNT DISCLOSURES

TERMS AND CONDITIONS
OF YOUR ACCOUNT(S)

Dear Heart of Louisiana Credit Union Member:

This brochure contains the rules, which govern your account(s) with us.  Please read this brochure carefully.  If you sign your signature card or continue to have an account with us, you agree to these rules, our bylaws, and any bylaw amendments.  You agree to pay the fees we charge and you give us the right to collect any fees, as earned, directly from the account balance.  You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this brochure.  If you have any questions, please call us.

This agreement is subject to applicable federal laws and the laws of the State of Louisiana (except to the extent that this agreement can and does vary such rules or laws).  The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here.

The purpose of this brochure is to:
   * Summarize the existing rules applicable to the more common transactions;
   * Establish rules to govern transactions or events which the law does not regulate;
   * Establish rules for certain events or transactions which the law already regulates but permits variation by agreement; and
   * Give you our funds availability, electronic funds transfers and truth-in-savings policy disclosures.

We may permit some variations from this standard agreement, but any variations must be agreed to in writing either on our signature card for the account or in some other written form.

As used in this brochure, the words "we", "our", and "us" mean Heart of Louisiana Credit Union, and the words "you" and "your" mean the owner(s) of this account and any "agent" appointed by or on behalf of the owner(s) to sign on the account in a representative capacity.  "Access" means the right to deposit and withdraw funds from the account (by whatever methods we make available), obtain information about the account, stop payment, and in all other respects to deal with the account and its balance.  It also means the power (though not the right) to cause an overdraft or non-sufficient funds item.

Liability - Each of you agree for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of service charges that we impose.  You authorize us to deduct these charges as accrued directly form the account balance.  You also agree to pay additional reasonable charges we may impose for services you request which are not covered by this agreement.  Each of you also agrees to be jointly and individually liable for any account deficiency resulting from charges or overdrafts, whether caused by you or another authorized to withdraw from this account, and our costs to collect the deficiency including, to the extent permitted by law, our reasonable attorney's fees.  You agree that at our option we may suspend your membership rights if you vioate the terms of this agreement, or if you cause any financial loss to us tthrough the use/abuse of any share-type account or the non-repayment of any loan-type account.

Deposits - Any items, other than cash, accepted for deposit (including items drawn "on us") will be given provisional credit only until collection is final (and actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars).  We are not responsible for transactions initiated by mail or outside depository until we actually record them.  All transactions received on a day in which we are not open for business will be treated and recorded as if initiated on the next business day that we are open.  We are prohibited by law from guaranteeing the payment of dividends or that dividends we do pay will be at the contracted rate.  We must base our dividend payments to you upon the money we actually earn and that is available for distribution at the end of a dividend period.  Unless otherwise agreed, you waive any right to receive any original item after it is paid.

Withdrawals - Unless otherwise clearly indicated to the contrary, any one of you who sign in the space designated for signatures on the signature card, including any agent acting alone, has complete access to the account.  Each of you (until we receive written notice to the contrary) authorizes each other person signing on the signature card to endorse any item payable to you or your order for deposit to this account or any other transaction with us.  The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so.  Withdrawals will first be made from collected funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to the contrary.  We reserve the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted, which is for an amount less than any minimum withdrawal requirement, or which exceeds any frequency limitation.  Even if we honor a non-conforming request, repeated abuse of the stated limitations may eventually force us to close this account.  We will use the date a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitations.  We reserve the right to require you to notify us of your intention to withdraw shares from this account as explained in our by-laws.  Withdrawals from a time deposit prior to maturity or prior to the expiration of any notice period may be restricted and will be subject to penalty.  See the information on early withdrawal penalties in your Truth-In-Savings disclosure.

Ownership of Account - These are rules which govern who has access to an account (depending on which "ownership" you select). Individual Account - This is an account in the name of one person. Unless you appoint an authorized signer (agent), only one person has access to such an account (you). Joint Account -This is an account in the names of two or more persons. Anyone of such persons, acting alone, has complete access to the account. Upon the death of any party to such account, we are permitted to pay the account balance to the surviving parties, but this authority protects us only. The surviving joint parties may be liable to the heirs, legatees or creditors of the deceased party to the extent the funds withdrawn by the survivors were owed by the deceased. If any party to a joint account sends notice to us to prevent withdrawals from the account by another party or parties, we may require the party to withdraw the balance and close the account or we may refuse to allow any further withdrawals from the account except upon the written consent of all parties to it. The remedy we choose is entirely at our discretion. Corporate, Partnership, and Other Organizational Accounts - We will usually require a separate authorization form designating the person permitted and conditions required for withdrawal from any account in the name of a legal entity such as partnership, corporation, or other organization. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization.

Pledges, Assignments, and Transfers - You cannot pledge, assign or transfer any account or any interest in an account (other than to us) unless you first get our written consent. We have the right to refuse a request for any reason or no reason whatsoever. Your ability to pledge or assign an account or an interest in it is equal to your right of access to the account (and is subject to our right to refuse to permit it).

Stop-Payments - On Share Draft Accounts only, a stop-payment order must be given in the manner required by law and must be received in time to give us a reasonable opportunity to act on it before our stop-payment cut off time.  Our stop-payment cut-off time is one hour after the opening of the next banking day after the banking day on which we receive the item.  Additional limitations on our obligation to stop-payment are provided by law.  A stop-payment order must preciously identify the number, date, and amount of the item, and the payee.  We will honor only a written, signed stop-payment request by the person who signed the particular item, and by any other person, even though such other person did not sign the item, if such other person has an equal or greater right to withdraw from this account than the person who signed the item in question.  A release of the stop-payment request may be made only by the person who initiated the stop payment.

Telephone Transfers - A telephone transfer of funds from this account to another account with us, if otherwise permitted or arranged for, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.  We restrict the number of transfers from a regular share account to another account, or third parties, to a maximum of six per month (less the number of certain "pre-authorized transfers" during the month).  Other account transfer restrictions are described elsewhere in this brochure.

Amendments and Termination - We may change our by-laws and any term of this agreement. Rules governing changes in dividend rates have been provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We reserve the right to close this account if your membership in this credit union terminates. You agree to keep us informed about your current address at all times. Notice from us to any one of you is notice to all of you.

Statements - You must examine your statement of account with "reasonable promptness".  If you discover (or reasonably should have discovered) and unauthorized payments or alterations, you must promptly notify us of the relevant facts.  If you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we exercised ordinary care and, if not, whether we substantially contributed to the loss).  The loss could be not only with respect to items on the statement but other items forged or altered by the same wrongdoer.  You agree that the time you have to examine your statement and report to us will depend on the circumstances, but that such time will not, in any circumstance, exceed a total of 30 days from when the statement is first made available to you.

You further agree that if you fall to report any unauthorized signatures, alterations, forgeries or any other errors in your account within 60 days of when we made the statement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours.  This 60 day limitations without regard to whether we exercised ordinary care.  The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

Account Transfer - This account may not be transferred or assigned without our prior written consent.

Direct Deposits - If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government form this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.  We may also use any other legal remedy to recover the amount of our liability.

Temporary Account Agreement -If this option is selected, this is a temporary account agreement.  Each person who signs in the space designated for -signatures on the signature card (except as indicated to the contrary) may transact business on this account.  However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

Restrictive Legends - We are not required to honor any restrictive legend on items you write unless we have agreed to the restriction in writing signed by an officer of Heart of Louisiana Credit Union. Examples of restrictive legends are "must be presented within 90 days" or "not valid for more than $1,000.00."

Facsimile Signatures - You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signaturee(s) may have been affixed so long as they resemble the facsimile signature specimen on the signature card or that are filed separately with us, and contain the required number of signatures for this purpose.

Right To Repayment Of Indebtedness - You each agree that we may (without prior notice and when permitted by law) charge against and deduct from this account any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal to the extent of such persons' or legal entity's right to withdraw.  If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we charge the account, including any balance the due date for which we properly accelerate under the note.

Our right to repayment does not apply to: (a) and individual Retirement Account or other tax-deferred retirement account, or (b) debt created by a consumer credit transaction under a credit card plan, or (c) the debtor's right of withdrawal arises only in a representative capacity.  We will not be liable for the dishonor of any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your account.  You agree to hold us harmless form any claim arising as a result of our exercise of our right to repayment.

ELECTRONIC FUNDS TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

 The Electronic Funds Transfers (EFT) we are capable of handling are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

Direct Deposits - You may make arrangements for certain direct deposits into your Regular Share or Share Draft account. We do not charge for direct deposits of any type to any type of account.

Pre-authorized Withdrawals/Transfers - You may make arrangements to pay certain recurring bills (including loan obligation to us) from you Regular Share or Share Draft account, or you may authorize us to automatically transfer funds from your Regular Share or Sub Share account to your Share Draft account at such time when your Share Draft account has non-sufficient funds to clear a drafts(s).  We do not charge for internal transfers for loan repayment or pre-authorized withdrawals via automated clearing house (ACH), automatic debt, or paper draft from any type account.

MARS Telephone Withdrawals/Transfers - You may access your account at any time by calling (318)449-5525. Our Member Audio Response Service allows you to:

* Withdraw funds by check (mailed to you) from your Regular Share and/or Share Draft account;
* Transfer funds from/to your Regular Share to/from your Share Draft account;
* Transfer funds from your Regular Share and/or Share Draft account to your loan account.

We do not charge for audio response withdrawals or transfers of any type to/from any type of account.

PCU (Personal Credit Union) Withdrawals/Transfers - Provided you have signed up for this service you may use your personal computer to access your share or share draft account to make withdrawals from any account or transfer between accounts or sub shares.  We do not charge for PCU withdrawal or transfers of any type to/from any type of account.

Visa Check Card Withdrawals/Purchases - You may use your Visa Check Card to access your Share Draft account, as well as other related account(s) you have requested for overdraft coverage. Purchases and withdrawals initiated through the use of this card will be based on the available balance of and charged to your Share Draft account (and other related accounts). You may use the card to make purchases in person, by mail or telephone at any merchant location in the world which displays the Visa logo. You may use the card to obtain cash from any financial institution participating in the Visa program and from any automated teller machine (ATM) in the world which displays the Visa or PLUS network logos.

You may authorize a third party such as a merchant to electronically debit your account.  You may do so at the point of purchase (POP code) using the internet (WEB code), or by telephone (TEL code).  With each of these types of transfers, the third party will use the account number you give hem to electronically debit your account through the ACH network.  These transactions are electronic fund transfers that are subject to the Electronic Funds Transfer Disclosure and Agreement.

RESTRICTIONS ON CERTAIN
ACCOUNT-TYPE TRANSACTIONS PER MONTH

In addition to other applicable restrictions on transfers and withdrawals described herein, we also do not permit more than six transfers or withdrawals from the below stated account types, either individually or in aggregate, per calendar month. Once the total of six transfers and/or withdrawals from these account types is reached, funds will not be permitted to transfer or withdraw via these methods. The specific transactions subject to restriction are:

* Automatic overdraft transfers from Regular Share or Sub Share accounts;
* Automatic debits/payments from Regular Share or Sub Share accounts;
* Audio response (MARS) transfers or withdrawals from Regular Share, Sub Share or Money Market Share accounts;
* Telephone requested transfers from Regular Share, Sub Share or Money Market Share accounts.
* Personal Credit Union (PCU) transfers or withdrawals

Visa Check Card transactions are subject to certain restrictions of frequency and dollar amount:

* The number of point-of-sale purchases per day is limited to 10;
* The amount of point-of-sale purchases per day is limited to $2,000.00;
* The amount of ATM withdrawals per day is limited to $500.00.

We do not charge for Visa Check Card point-of-sale purchase transactions.

NOTE: The term "per day" refers to the 24-hour period from approximately noon to noon.

EFT RELATED CHARGES

* Overdraft Item: $20.00 assessed per transaction which results in a negative Share Draft account balance.
* Automatic Overdraft Transfer: $1.00 assessed per automatic transfer from Regular or Sub shares account to Share Draft account.
* ATM Transaction: $1.00 assessed per withdrawal in excess of the 4 per month at no charge. This fee applies only to withdrawals at non-Heart of Louisiana Credit Union owned  machines. (Use of our machines is unlimited and not subject to fee.)  Use of an ATM machine owned by another financial institution or merchant is subject to the fee they normally charge for a "foreign transaction".  This fee will be charge to your account in addition to the funds withdrawn.
* Visa Check Card Replacement/Non-Surrender: $15.00 per card replaced for any reason, and per card not returned to us on demand.
* Visa Check Card Sales Slip Copy: $15.00 per transaction documentation request.
* Research: $20.00 per hour.
* Stop Payment: $20.00 per stop payment order.

RIGHT TO DOCUMENTATION

You will not automatically receive-written confirmation of direct deposits, pee-authorized withdrawals/transfers, or MARS transfers, however, verification of such transactions is available via our audio response system or Member Service personnel or over the Internet by use of our PCU on-line service.   All account activity will be included on the monthly/quarterly account statement.

You will receive a printed receipt for ATM withdrawals, transfers, and deposits (when available), and point-of-sale purchases (withdrawals).

You will receive a monthly account statement from us if you have a Share Draft account, Money Market Share account.

You will receive a quarterly account statement from us if you do not have a Share Draft account, Money Market Share account

You will receive a quarterly account statement from us if you do not have a Share Draft account or a Money Market Share Account..

STOP-PAYMENT PROCEDURES AND NOTICE
OF VARYING AMOUNTS

Right to Stop-Payment and Procedure for Doing So -If you have told us in advance to make regular payments out of your account, you can stop any of these payments.  Write us at the address listed in this brochure in time for us to receive you request three business days or more before the payment is scheduled to be made.  We will charge you $20.00 for each stop-payment order you give.  A stop payment order may only be given on a share draft account.

Notice of Varying Amounts - If these regular payments may vary in amount, the company you are to pay will tell you 10 days before each payment when it will be made and how much it will be.  (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when tht amount would fall outside certain limits that you set).

Liability for Failure to Stop-Payment of Pee-authorized Transfer - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

 OUR LIABILITY

Liability for Failure to Make Transfers - If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.

There are some exceptions to our liability, however, and some circumstances where your account could be subject to fee or service charge. We will not be liable, for example:

* If, through no fault of ours, you do not have enough money in your account to make the transfer;
* If the transfer would go over the credit limit on your overdraft line;
* If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken;
* There may be other exceptions in our agreement with you.

DISCLOSURE OF ACCOUNT INFORMATION
TO THIRD PARTIES

We will disclose information to third parties about your account or the transfers you make:

* Where it is necessary for completing transfers;
* In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
* In order to comply with a government agency or court orders;
* If you give us written permission.

UNAUTHORIZED TRANSFERS

Tell us AT ONCE if you believe your Visa Check Card or your Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, you will have no loss if someone used your Visa Cheek Card or your PIN without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your Visa Cheek Card or your PIN, and we can prove we could have stopped someone from using your Visa Check Card or PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If you believe your Visa Check Card or your PIN has been lost or stolen or that someone has transferred money from your account without your permission, call or write us at the telephone number or address in this document.

 ERROR RESOLUTION

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

* Give us your name and account number;
* Describe the error, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
* Tell us the dollar amount of the suspected error;

If you tell us orally, we may require that you send us your complaint or questions in writing within 10 business days.

We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of -sale transfer or a foreign initiated transfer) to investigate your complaint or questions.  If we decide to do this we will re-credit your account within 10 business days (20 business days if the transfer involved a point-of-sale transfer or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investiagation.

If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation.  If your account had been credited while we investigated, we will debit your account for the original transaction.  You may ask for copies of the documents that we used in our investigation.

 FUNDS AVAILABILITY DISCLOSURE

This policy statement applies to all account types. Generally, policy is to make funds from your deposits available to you immediately. At that time, you can withdraw the funds in cash and we will use the funds to pay share drafts (checks) that you have written. In certain instances, however, we will not make all funds deposited immediately available for withdrawal or to pay checks you have written. See the "LONGER DELAYS MAY APPLY" and "SPECIAL RULES FOR NEW ACCOUNTS" sections below for details.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a day we arc not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

 LONGER DELAYS MAY APPLY

In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available until the second to tenth business day after the day of your deposit. (See below.) However, the first $100 of your deposits will be available immediately.

If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit.  We will also tell you when the funds will be available.  If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.  Funds generally will be available no later than the tenth business day after the day of your deposit.

Funds you deposit by cheek may be delayed for a longer period under the following circumstances:

* You deposit a check drawn on a foreign (not Alexandria USDA Federal Credit Union) institution;
* We believe a check you deposit may not be paid;
* You deposit checks totaling more than $5,000 on any one day;
* You re-deposit a check that has been returned unpaid;
* You have overdrawn your account repeatedly in the last six months;
* You deposit a post-dated, stale-dated, or possibly altered check;
* There is an emergency, such as failure of communications or computer equipment.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new member, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits into your account will be available on the day we receive the deposit.  Funds from deposits into your account will be available on the day we receive the deposit.   Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's certified, teller's, traveler's, and federal, state and local government checks will be available immediately if the deposit meets certain conditions.  For example, the checks must be payable to you.  The excess over $5,000 will be available on the seventh or tenth (for "local" or "non-local" items) business day after the day of your deposit.  If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the tenth business day after the day of your deposit, excluding the first $100.00 which will be available immediately.

TRUTH-IN-SAVINGS DISCLOSURE
REGULAR SHARE ACCOUNT

Rate Information - The dividend rate and annual percentage yield may change every dividend period as determined by the credit union's Board of Directors.

Compounding and Crediting - Dividends will be compounded monthly and will be credited to your account monthly.  For example, the beginning date of the first diviedend 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 follows the ending date of a dividend period, and for the example above is January 31.  If you close your account before dividends are credited, you will not receive accrued dividends.

Minimum Balance Requirements - The minimum balance to open this account is the purchase of a $25.00 share in the credit union. You must maintain a minimum daily balance of $25.00 in your account to obtain the disclosed annual percentage yield.

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.

Fees and Charges - The following fees and charges may be assessed against your account. Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

* Below minimum balance - $2.00/month
* Excessive withdrawals - $5.00/item
* Dormant account fee- $5.00/month
* Automatic overdraft transfer - $1.00/transfer
* Early account closure - $10.00

Transaction Limitations - During any month, you may not make more than six withdrawals or transfers from this account to another credit union account of yours or to a third party by means of pre-authorized or automatic withdrawal/transfer or telephonic order or instruction.  No more than three of the six may be made by check, draft, ATM/debit card, or other similar order to a third party.  If you exceed the withdrawal transfer limitations set forth above, your account will be subject to closure by the credit union.

Par Value of Shares; Dividend Period - The par value of a regular share in this credit union is $25.00. The dividend period of this account is monthly, beginning on the first day of a month and ending on the last day of the month.

 SUB SHARE ACCOUNT

Rate Information - The dividend rate and annual percentage yield may change every dividend period as determined by the credit union's Board of Directors.

Compounding and Crediting - Dividends will be compounded monthly and will be credited to your account 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 follows the ending date of a dividend period, and for the example above is January 31.  If you close your account before dividends are credited you will not receive accrued dividends.

Minimum Balance Requirements - No minimum balance requirements apply to this account.

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.

Fees and Charges - No fees and charges apply exclusively to this account. Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

Transaction Limitations - During any month, you may not make more than six withdrawals or transfer from this account to another credit union account of yours or to a third party by means of pre-authorized or automatic withdrawal/transfer or telephonic order or instruction.  No more than three of the six may be made by check, draft, ATM/debit card, or other similar order to a third party.  If you exceed the withdrawal transfer limitations set forth above, your account will be subject to closure by the credit union.

Dividend Period - The dividend period of this account is monthly, beginning on the first day of a month and ending on the last day of the month.

CHRISTMAS CLUB ACCOUNT

Rate Information - The dividend rate and annual percentage yield may change every dividend period as determined by the credit union's Board of Directors.

Compounding and Crediting - Dividends will be compounded monthly and will be credited to your account 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 follows the ending date of a dividend period, and for the example above is January 31.  If you close your account before dividends are credited, you will not receive accrued dividends.  For Christmas Club accounts only, there is an additional dividend period during the fourth quarter of the calendar year.  In mid-October, we will compute and post dividends, and thereafter  transfer or mail the entire balance of the account to the account holder, per instructions provided us.

Minimum Balance Requirements - No minimum balance requirements apply to this account.

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.

Fees and Charges - The following fees and charges may be assessed against your account. Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

* Early Withdrawal - $25.00/item

Transaction Limitations - You may not make any withdrawals or transfers from this account by means of pre-authorized, automatic or audio response (MARS) order. You may make unlimited withdrawals or transfers in-person during the first six days the account is open, thereafter, any withdrawal or transfer will be subject to the $25.00 early withdrawal fee.

Dividend Period - The dividend period of this account is monthly, beginning on the first day of a month and ending on the last day of the month.

MONEY MARKET SHARE ACCOUNT

Rate Information - The dividend rate and annual percentage yield may change every dividend period as determined by the credit union's Board of Directors.

Compounding and Crediting- Dividends will be compounded daily and will be credited to your account monthly.  If you close your account before dividends are credited, you will not receive accrued dividends.

Minimum Balance Requirements - The minimum balance required to open this account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 in your account for the account to remain open.

Balance Computation Method - Dividends are calculated by the daily balance (compounded) method which applies a daily periodic rate to the balance (plus accrued dividends) in the account each day.

Fees and Charges - No fees and charges apply exclusively to this account. Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

Transaction Limitations - During any month, you may make no more than three withdrawals or transfers from this account.  No more than one of these three withdrawals or transfers allowed per month may be for an amount less than $500.00.  If you exceed the withdrawal/transfer limitations set forth above, your account will be subject to closure by the credit union.  The number of deposits per month is not restricted; however, the minimum allowable deposit amount is $100.00.

Dividend Period - The dividend period of this account is monthly, beginning on the first day of a month and ending on the last day of the month.

PAYABLE ON DEATH SHARE ACCOUNT

Rate Information - The dividend rate and annual percentage yield may change every dividend period as determined by the credit union's Board of Directors.

Compounding and Crediting - Dividends will be compounded daily and will be credited to your account monthly.

Minimum Balance Requirements - The minimum balance required to open this account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 in your account for the account to remain open.

Balance Computation Method - Dividends are calculated by the daily balance (compounded) method which applies a daily periodic rate to the balance (plus accrued dividends) in the account each day.

Fees and Charges - No fees and charges apply exclusively to this account. Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

Transaction Limitations - During any month, you may make no more than three withdrawals or transfers from this account. No more than one of these three withdrawals or transfers allowed per month may he for an amount less than $500.00. If you exceed the withdrawal/transfer limitations set forth above, your account will be subject to closure by the credit union. The number of deposits per month is not restricted, however, the minimum allowable deposit amount is $100.00.

Dividend Period -The dividend period of this account is monthly, beginning on the first day of a month and ending on the last day of the month.

IRA SHARE ACCOUNT (TRADITIONAL & ROTH)

Rate Information - The dividend rate and annual percentage yield may change every dividend period as determined by the credit union's Board of Directors.

Compounding and Crediting - Dividends will be compounded monthly and will be credited to your account monthly. If you close your account before dividends are credited, you will not receive accrued dividends.

Minimum Balance Requirements - No minimum balance requirements apply to this account.

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.

Fees and Charges - No fees and charges apply exclusively to this account. Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

Transaction Limitations - During any month, you may not make more than six withdrawals or transfers from this account to another credit union account of yours or to a third party by means of pre-authorized or automatic withdrawal/transfer or telephonic order or instruction. No more than three of the six may be made by check, draft, ATM/debit card, or other similar order to a third party.

Dividend Period - The dividend period of this account is monthly, beginning on the first day of a month and ending on the last day of the month.

SHARE DRAFT ACCOUNT

Rate Information- No dividend paid on this account type.

Compounding and Crediting - No dividend paid on this account type.

Minimum Balance Requirements - The minimum balance to open this account is $20.00. This amount is reserved to pay for the printing of share drafts. After payment for the printing of share drafts is debited from your account, no minimum balance requirements apply to this account.

Balance Computation Method- No dividend paid on this account type.

Fees and Charges - The following fees and charges may be assessed against your account:

* Share Draft Printing- Quanties vary, $11.75 and up per box.

Refer to "COMMON FEATURES" section and/or Schedule of Service Charges for comprehensive listing.

Transaction Limitations - No transaction limitations apply to this account.

Check Posting - Checks are posted to the account in the order that they are received, however, if checks have to be "re-posted", they will be posted in descending order.

Dividend Period- No dividend paid on this account type.

COMMON FEATURES

Accrual of Dividends - Dividends will begin to accrue no later than the business day you deposit non-cash items (e.g., checks) to your account.

Fees and Charges - In addition to those mentioned elsewhere, the following fees and charges may be assessed against your account:

* NSF item - $20.00
* Exception item $10.00
* Stop payment - $20.00
* Account research/hour- $20.00
* Returned/unpaid item (business account) - $5.00
* Returned/unpaid item - $15.00

Transaction Limitations - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from a dividend bearing account other than a share certificate or from any other share-type account as defined by Regulation D.

Nature of Dividends - Dividends are paid from current income and available earning, after required transfers to reserves at the end of a dividend period.

By-Law Requirements - You must complete and maintain payment of one share ($25) in your Regular Share account as a prerequisite to admission to membership.

National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.