Research-1166 Federal Credit Union

Regular Share Account

RATE INFORMATION

The Annual Percentage Yield and the Dividend Rate for this account are shown in the table below.  The Dividend Rate and Annual Percentage Yield may change every Quarter as determined by the Credit Union Board of Directors.

Your share account will earn dividends according to the following schedule:

                                Balance Limits                    Dividend Rate             APY Range

                                $.00/9,999,999.99                    .05%                        .05%

NATURE OF DIVIDENDS

Dividends are paid from current income and available earnings, after required transfers to reserve at the end of the dividend period.

COMPOUNDING AND CREDITING

Dividends will be compounded Quarterly and will be credited to your account Quarterly.

BALANCE COMPUTATION METHOD

Dividends on this account are calculated on the ADB method.  ‘DAILY’ means that a daily periodic rate is applied to the principal in the account each day. ‘ADB’ means that the Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

DATE DIVIDENDS ACCRUE

Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

PAR VALUE OF SHARES; DIVIDEND PERIOD

The par value of a regular share account is $50.00.  The dividend period of the Credit Union is a Quarter, beginning on the first of the Quarter and ending on the last day of the Quarter.  If this account is overdrawn, funds from other accounts will be transferred to cover negative balances.

INSURANCE

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

THE FOLLOWING FEES AND CHARGES MAY BE ASSESSED AGAINST YOUR ACCOUNT.

ATM CHARGES ON ATM CARDS (NOT DEBIT CARDS)

                                CORPORATE SHARE DRAFT STOP PAYMENT FEE - $20.00

                                CREDIT UNION ATMS: NO CHARGE

                                BACKUP WITHHOLDING QUARTERLY CHARGE - $20.00

                                RETURN STATEMENT - $2.00

                                THIRD PARTY CORPORATE CHECKS - $10.00

                                DORMANT ACCOUNT FEES: $15.00 A QUARTER

TO BE A LEGAL MEMBER OF THE CREDIT UNION, A MEMBER MUST HAVE AT LEAST $50.00 ON DEPOSIT IN THIS ACCOUNT.  IF YOU HAVE ANY QUESTIONS REGARDING THIS DISCLOSURE, PLEASE CALL THE CREDIT UNION AT (856) 224-2134 or 3136.