TRUTH-IN-SAVINGS ACCOUNTS DISCLOSURES

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 Savings, IRA Savings, and Interest Checking Accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors. For Money Market and IRA Money Market accounts, the Dividend Rate and Annual Percentage Yield may change weekly based on our index, the 91 day Treasury bill rate, on the day following the T-bill auction. For Money Market Plus and IRA Money Market Plus Accounts the Dividend Rate and the Annual Percentage Yield may change monthly, on the first day of the month, based on our index, the 6 month T-bill rate.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable 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 Regular Savings, IRA Savings, Money Market, Money Market Plus, IRA Money Market, IRA Money Market Plus, and Interest Checking accounts, dividends will begin to accrue on a noncash deposit (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Interest Checking accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance is not met, there will be a service fee as set forth on the reverse side. For Regular Savings, IRA Savings, Money Market, Money Market Plus, IRA Money Market, IRA Money Market Plus, and Interest Checking accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. For Regular Savings, IRA Savings, Money Market, Money Market Plus, IRA Money Market, IRA Money Market Plus, and Interest Checking accounts using 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 Savings, and Money Market accounts, 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. For IRA Money Market accounts, no check writing is permitted. For Interest Checking and Basic Checking accounts, no account limitations apply.

1314 Texas, Ste 1800 Houston, TX 77002-6312 713.646.2820 800.582.8275 FAX 713.646.2802