Account Disclosures

Savings Disclosure: Share, Checking, Share Certificates and IRAs. Deposit product information is applicable to your share savings, share draft checking, IRA and share certificates at White Crown Federal Credit Union as of the effective date shown above. The Credit Union may offer other rates and fees or amend the rates and fees contained in the schedule from time to time. Each account holder agrees to the terms of the "Account Disclosure" and acknowledges it as part of the Account Agreement.

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

Dividend Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors. For Share Certificates the dividend rate and APY are fixed and will be in effect for the term of the account. Dividends will be compounded every month and will be credited to your account. The APY is based on assumption that the dividend will remain on deposit until maturity.

• Accrual of Dividends: Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your 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.
• Dividend Period: 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1. For IRAs the dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum Balance Requirements: The minimum balance for each account is shown on applicable Dividends, Rates and Fees information pages. For further details or information please contact the Credit Union or refer to the Account Disclosure. In order to avoid a low balance fee of $2 each month, your total share or loan balance must exceed $250 at all times.

Transaction Limitations: On a share, money market and savings safari accounts, 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 telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations in any statement period, your account will be subject to closure by the credit union.

IRA Information: Please see the account agreement for additional information. You must maintain the minimum daily balance of $100 in your account each day to obtain the disclosed annual percentage yield. IRAs and IRA Share Certificates cannot be pledged as collateral for a loan at White Crown Federal Credit Union.

Share Certificate (CDs) Information: Please see the account agreement for additional information. Early withdrawal penalties may apply.

Account Insured up to $100,000.00 by NCUSIF: Additional insurance may be available to you, please contact credit union for details.