ACCRUAL OF DIVIDEND:  Dividends will begin to accrue on deposits on the business day that the deposit is made to the account.

 COMPOUNDING AND CREDITING:  Dividends are compounded monthly and paid to the account monthly using the daily balance method, which applies a daily periodic rate to the balance in the account each day.  The dividend period is monthly beginning on the first calendar day of the month and ending on the last calendar day of the month.  Dividends will be compounded (added to principal) and posted to accounts on the last day of each calendar month.

 BALANCE INFORMATION:  You must maintain the minimum balance.  For College Saver Share Certificates the minimum balance is $500.  The maximum contribution, per individual College Saver Share Certificate, is $10,000.

 RATE INFORMATION:  The dividend rate and annual percentage yield are fixed for the term of the certificate.  The annual percentage yield assumes that the dividends will be compounded and will remain in the certificate until it matures.  A withdrawal will reduce your earnings.

 TERM:  College Saver Share Certificates are for a five (5) year term.

 NOTICE:  Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed.  The dividend rate and annual percentage yield are the prospective rates that the Credit Union anticipates paying over the term of the certificate.

 WITHDRAWAL LIMITATIONS:  You may not withdraw principal from this account without incurring a penalty as outlined below.  You may withdraw accrued dividends that have already been posted to the account without incurring a penalty.

 OTHER LIMITATIONS:  College Saver Share Certificates may only be issued on accounts where the primary member is 18 years of age or less at the time of certificate purchase.  Only one College Saver Share Certificate may be purchased per qualifying member, per year, regardless of original purchase amount.

 ADDITIONAL DEPOSITS:  Add-ons to existing College Saver Share Certificates are not allowed.

 EARLY WITHDRAWAL PENALTY:  You will pay a penalty if you withdraw any of the principal amount of this certificate.  The penalty is a forfeiture of earned dividends as follows:

- an amount equal to the lesser of   a) all dividends for 180 days on the amount withdrawn, or b) all dividends on the amount withdrawn since the date of issuance.

-the dividend rate will be reduced to the rate paid on regular share accounts at the time the certificate was issued.

 We may waive or reduce this penalty in certain circumstances, such as the death or incompetence of an owner or the voluntary or involuntary liquidation of the Credit Union.

 RENEWAL:  College Saver Share Certificates will not automatically renew and will be deposited directly into the primary member S1 at maturity.