Share and Share Draft Accounts

Truth-In-Savings Account Disclosure

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts as of the last Dividend Declaration Date are set forth above. 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 a 365-day period. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

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

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of each month and ends on the last calendar day of each month.

4. Accrual of Dividends. Dividends will begin to accrue on cash deposits and non cash deposits (e.g. checks) on the business day you make the deposit to your account. Except for a Certificate account, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information. The minimum balance required to open each account is set forth above. Minimum balances are calculated using the Average Daily Balance method. Dividends are also calculated using the Average Daily Balance method. The Average Daily Balance method 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 that period.

6. Account Limitations. Account limitations for each account are set forth above. For a Share Savings account in which transfer limitations apply, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours 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.

Account Service Fees

Savings Account Fees

Checking Account Fees

Other Service Fees (applicable to all accounts)

Electronic Funds Transfer Fees (NEACH)

ATM Transaction Fees

Non On-us ATMs

Fees will be assessed to draft account.

The rates and yields appearing in this Rate and Fee Schedule are accurate and effective for accounts as of the date indicated on the front side. If you have any questions or require current rate information on your accounts, please call HealthFirst Federal Credit Union at 877-9474 or 1-800-946-2463.