Northside FCU
Northside Federal Credit Union

Effective September 1, 2004

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Excess Share Savings Withdrawal Fee
per share in excess of five per quarter
Deposited Checks (and other items) Returned Unpaid
Stop Payments (all items)

Truth-in-Savings Disclosure

Rate Information:
The dividend rate and annual percentage yield may change every quarter. We change the dividend rate for your account as determined by the credit unoin board of directors. Dividends will be compounded every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend declaration dates are the last day of the dividend period, which for the example above was March 31. If you close your share account before dividends are paid you will not receive accrued dividends.

Minimum Balance Requirements:
The minimum balance required to open this account is $25.00. You must maintain a minimum average daily balance of $25.00 in your account to obtain the disclosed annual percentage yield. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarter. Dividends will also begin to accrue on the business day you place noncash items (for example, checks) in your account.

Transaction Limitations:
Members are allowed five free withdrawals per quarter period. A $1.00 transaction fee will be applied for each withdrawal made thereafter. Fees will be charged to your share account. We required not less than seven days notice in writing, before each withdrawal from an interest bearing account, other than a time deposit or from any other savings account defined by Regulation D.

Par Value of a Share:
The par value of a share in this account is $25.00. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. The above fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

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