Except as specifically described, the following disclosures apply to all accounts:

1. Rate Information. For purposes of this disclosure, these are the rates and APY that were offered within the most recent seven calendar days and were accurate as of the date shown. Please call 503-228-2106 or 503-248-0342 to obtain current rate information. The interest rate and annual percentage yield may change every quarter based on the determination of the credit union board of directors with the exception of the Pyramid Hi Yield account which may change monthly.
   
    
2. Nature of Dividends/Interest. Dividends/Interest are paid from current income and available earnings after required transfers to reserves at the end of a Dividend/Interest period. The Dividend/Interest Rates shown above are the prospective Rate and Yield the Credit Union anticipates paying for the applicable dividend period.
   
    
3. Compounding and Crediting. Dividends/Interest will be compounded and credited quarterly with the exception of the Pyramid Hi Yield which is compounded and credited monthly. The Dividends/Interest Period for all accounts above with the exception of the Pyramid Hi Yield begins on the first calendar day of the quarter and ends on the last calendar day of the quarter. For the Pyramid Hi Yield account the Dividends/Interest period begins on the first calendar day of the month and ends on the last calendar day of the month. If the account is closed before Dividends/Interest is credited, you may not receive accrued Dividends/Interest.
   
    
4. Accrual of Dividends/Interest. Dividends/Interest will begin to accrue on cash and non-cash deposits (e.g. checks) on the business day you make the deposit to your account.
   
    
5. Balance Information. For regular shares, special shares, Christmas Club, Super Draft, Freedom Club Share Draft, and the Christmas Club the minimum required to open the account is $25. To obtain the APY disclosed above for regular shares, special shares and the Christmas Club, you must maintain a minimum daily balance of $100 in your account each day of the dividend period. In addition, premature closure of the Christmas Club account results in forfeiture of all dividends paid to date. The minimum required to open an IRA variable is $5.00. The minimum required to open a Pyramid Hi Yield is $2,500.00. To obtain the APY disclosed above for the Pyramid Hi Yield account you must maintain a minimum daily balance of $500 in your account each day of the dividend period. Dividends on all accounts are calculated by the daily balance method which applies a daily periodic rate to the principal in the account for each day of the Dividends/Interest period. On the Super Draft account you must maintain a minimum balance of $500 in your account each day of the dividend period in order to earn the APY disclosed above. In addition, if your Super Draft balance falls below $500 on any day during the dividend period, your account will be subject to a service fee of $8.00 for that month. The Sure Draft account has a $4 per month service fee unless you have set up a direct deposit and/or elected to receive your statements electronically via e-branch.
   
    
6. Transaction Limitations. For Share accounts, you may make no more than six (6) preauthorized, automatic or telephone transfers from you account to another account of yours or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. For all accounts, your ability to make cash withdrawals from your account and any limitation on such transactions is established by the Credit Union's Board of Directors and may change from time-to-time.

Except as specifically described, the following disclosures apply to all accounts

1. Rate Information. The Interest Rate and Annual Percentage Yields on your certificate accounts that are set forth in the above examples are based on daily compounding and quarterly crediting. The Annual Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and compounding frequency for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on as assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. The Credit Union Board of Directors declares interest rates based on the Credit Union's current income and available earnings after providing for required reserves.
   
   
2. Compounding and Crediting. Dividends/Interest will be compounded daily and credited quarterly unless different interest payment arrangements were selected. At account opening, you may elect to have accrued interest remain in the account and compound, transferred to another of your accounts, or paid out directly.
   
   
3. Accrual of Dividends/Interest. Dividends/Interest will begin to accrue on cash and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day.
   
   
4. Balance Information. The required minimum opening balance is $1,000.00 for a Small Savers CD, $5,000.00 for a Super Savers CD and FlexiShare Time Deposit, $500.00 for an IRA CD and $100.00 for a Minor CD.
   
   
5. Transaction Limitations. For Small Savers and Super Savers, you may not make additional deposits after your account is opened. For IRA Certificates, additional deposits of $250 or more are allowed to the 18 month Certificate only. You may make one annual withdrawal of up to 20% of the original deposit on the FlexiShare Time Deposit account without penalty. For all accounts, your ability to make cash withdrawals from your account and any limitation on such transactions is established by the Credit Union's Board of Directors and may change from time-to-time.
   
   
6. Maturity. Your account will mature within the terms set forth above, or maturity date set forth on your Renewal Notice or Certificate of Deposit Receipt Form.
   
   
7. Early Withdrawal Penalty. If you desire a withdrawal of principal prior to maturity you may be required to furnish the Credit Union a 30-day notice of intent to withdraw and we may impose a penalty. The penalty will equal a loss of 90 days dividends if the original term was less than one year or 180 days dividends if the original term was one year or greater. The penalty is calculated as a forfeiture of part of the interest that has been earned on the account. If the interest has already been paid out, the penalty will be deducted from the principal. At our option, the penalty may be waived if an account holder dies, is determined legally incompetent or in the event the Certificate is an IRA Certificate and the withdrawal is classified as a normal distribution from an IRA.
   
   
8. Renewal Policy. Your accounts are automatically renewable accounts. Unless the Credit Union has received different instructions from you prior to the maturity of your account, your account will automatically renew for another term with the rates in effect upon maturity.
   
   
9. Nontransferable/Nonnegotiable. Your certificate account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.