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Rate Information — The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting — Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend period — For this account type, the dividend period is quarterly, 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 March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements — The minimum balance required to open this account is $25.00.

You must maintain a minimum average daily balance of $1,000.00 in your account to obtain the disclosed annual percentage yield.

Average daily balance computation method — Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarter.

Accrual of dividends on noncash deposits — Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account.

Transaction limitations — No transaction limitations apply to this account unless otherwise stated in the Common Features section.