Effective April 15, 2011

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

IV TRUTH IN SAVINGS

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 Regular Share, Christmas Club, Vacation Club, IRA Share and Share Draft accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union’s Board of Directors. For Money Market 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 Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Regular Share account is a Tiered Rate account. If your account balance is $499.00 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your account balance is $500.00 to $2,499.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is from $2,500.00 to $4,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is from $5,000.00 to $9,999.99, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is $10,000.00 or greater, the fifth Dividend Rate and Annual Percentage Yield listed for this account will apply. Once a particular balance range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. The Money Market and IRA Share accounts are Tiered Rate accounts. If your account balance is from $2,499.99 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your account balance is form $2,500.00 to $9,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is form $10,000.00 to $24,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is from $25,000.00 to $49,999.99, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is $50,000.00 or greater, the fifth Dividend Rate and Annual Percentage Yield listed for this account will apply. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
   
2. Nature of Dividends: Dividends are paid form 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 of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time 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 calendar day of the period.
   
4. Accrual of Dividends: For all account, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For Regular Share, Christmas Club, Money Market, IRA Share, and Share Draft accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
   
5. Balance Information: To open any account, you must deposit or already have on deposit at least 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. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share, Money Market, and IRA Share Draft accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend 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. For Share Draft accounts that use a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.
   
6. Account Limitations: For Regular Share, Money Market and IRA Share accounts, no more that six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third part 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 my be subject to a fee or be closed. For a Christmas Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after November 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, uncredited dividends on the account and the account will be closed. You may make transfers or withdrawals within the seven (7) days after the account is opened without restriction. For a Vacation Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after June 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, uncredited dividends on the account and the account will be closed. You may make transfers or withdrawals in the first seven (7) days after the account is opened without restriction. For Regular Share Draft accounts, no account limitations apply.
   
7. Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, ATM card withdrawl, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawl or any other electronic withdrawl or transfer transaction that is drawn on a insufficient available account balance. The entire balance in your account may not be available for withdrawl, transfer or paying a check, draft or item. You may consult Funds Availability Policy 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 drft, 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 rate information.