POTLATCH No. 1 FEDERAL CREDIT UNION
DISCLOSURE OF DIVIDEND, FEES AND ACCOUNT TERMS
MONEY MARKET SHARE DRAFT ACCOUNT

RATE INFORMATION

· If your daily balance is $500.00 or more but less than $10,000.00, the dividend rate paid on the entire balance in your account will be 2.76% with an annual percentage yield of 2.80%.

· If your daily balance is more than $10,000.00 but less than $100,000.00, the dividend rate paid on the entire balance in your account will be 2.86% with an annual percentage yield of 2.90%.

· If your daily balance is more than $100,000.00, the dividend rate paid on the entire balance in your account will 2.96% with an annual percentage yield of 3.00%.

· Your dividend rate and annual percentage yield may change. At our discretion, we may change the dividend rate for your account at any time.

· Dividends begin to accrue for the deposit of non-cash items (for example, checks) no later than the business day credit is received under the applicable availability schedule established for the Federal Reserve pursuant to the Expedited Funds Availability Act and Regulation CC.

· Dividends are credited the last day of the month.

MINIMUM BALANCE REQUIREMENTS

· You must deposit $500.00 to open this account and maintain a minimum daily balance of $500.00 to obtain the disclosed annual percentage yield.

· There is no monthly service charge or minimum balance fee associated with this account.

BALANCE COMPUTATION METHOD

· We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

TRANSACTION LIMITATIONS

· Federal regulations limit to six (6) the number of pre-authorized withdrawals, automatic transfers, telephone transfers and third-party transfers from your account per month. Of the six, no more than three may be made by check and payable to a third party.

You may make unlimited withdrawals when made in person, by mail, by messenger, or by telephone (via check mailed to the depositor).

Federal Law requires Potlatch No. 1 Federal Credit Union to take action to prevent excess transactions. The repeated failure to comply with these transaction limitations can, pursuant to federally imposed regulatory requirements, result in the closure of this account and the transference of the funds into an account that you are eligible to maintain, or the termination of your ability to effectuate such transfers from this account.

FEES

· Excess item fee $ 1.00

· Overdrafts paid, physical or electronic, not returned $15.00

· Overdrafts unpaid, physical or electronic, returned $15.00

· Stop payment order $15.00