IRA Y CERTIFICADOS

Rates. Certificate rates are subject to change on Tuesday morning of each week. The Dividend Rate and Annual Percentage Yield on your accounts 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 an annual period. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Edge Certificate rates only available to members 0-23 years of age. Certificate Rates remain fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older.

Dividendos. Dividends are paid from current income and available earnings after providing for the required reserves. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

Acreditación. Dividends will be credited quarterly. Once credited, dividends may be withdrawn without penalty. (IRA accounts and Save to Win certificates may be subject to other restrictions, see agreements for details.)

Balance. The minimum balance required to open each certificate is set forth above. Dividends are calculated by the Daily Balance method, which applies a daily periodic rate to the principal. After your account is opened you may not make additional deposits to your account, except for Add-On Certificates and Save to Win Certificates. Additional deposits of $500.00* or more are permitted at any time during the initial term of the Add-On Certificates and additional deposits of any amount to Save to Win Certificates. Making additional deposits will not change the maturity date or other terms of the account. If the Add On Certificate or Save to Win Certificate is set to automatically renew, the Add On feature will continue for any renewal term.

Accrual of Dividends. Dividends will begin to accrue on cash or noncash deposits (e.g. checks) on the business day you make the deposit to your certificate.

Maturity. At maturity, your certificate will automatically be renewed into the closest to the original term not to exceed the original term, beginning on the maturity date set forth on your Certificate Disclosure Statement. You will receive a notice of renewal at least 20 days prior to maturity and you will have the opportunity to instruct the Credit Union if you wish to redeem the certificate during the renewal grace period as explained in the notice of renewal.

Sanciones. There are substantial penalties for early withdrawal of certificate funds. Early withdrawal of certificate funds is subject to a penalty of one half of the interest that would be earned over the original term of the certificate. The penalty is calculated on the amount withdrawn. Save to Win Certificates are subject to distinctive penalty rules.

**Donde se indique $500, $100 aplica para miembros de 0 a 23 años. Consulte el formulario de divulgación de su certificado para obtener más detalles.

Note: For all accounts listed, rates and terms are subject to change without notice. Earned dividends are paid on entire balance in the account. Accounts, other than certificates, must remain open to the end of the dividend period to be paid dividends. Fees and charges may apply (and may reduce earnings) on the above accounts. Please refer to the Fee Schedule for details. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. Dividends are paid from current income and available earnings after providing for the required reserves and cannot be guaranteed. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period and can be viewed on the “Current Dividend Rates” and the “Current Certificate Rates” disclosures. Dividends will begin to accrue on the business day the deposit is made to the account.