Disclosures

Account and Loan Disclosures

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

All rates and fees subject to change at the sole discretion of the Credit Union Board of Directors. Fees could reduce earnings.

The rates appearing in our Rate Schedule are accurate and effective for deposit accounts as of the date indicated. If you have any questions or require current rate information on your accounts, please call the credit union.

The credit union reserves the right to change terms in the account agreement or disclosure.

ACCOUNT LIMITATIONS: For a Holiday Club Account, you have the option of choosing one of the following when setting up the account: 1) On November 1st, funds can be transferred to your share or share draft account; 2) a check can be sent to you for the balance; or 3) funds may remain in the Holiday Club Account. The Pain Free Share Account is a special account offered for monthly automatic deposits (minimum of $50.00) and is available for the Pain Free Program only. The balance in the Pain Free Share Account will be transferred automatically to a one-year certificate once it reaches a balance of $500.00. The certificate will earn the Annual Percentage Yield available on the date of the transfer. If you cancel the automatic deposit into the account, the balance will be transferred to your regular share account. For Money Market Accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card or similar order to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. The Fast Track Time Savings account(s) requires an automatic monthly deposit of $50.00 ($25.00 for ages 18 and under). Additional deposits may be made at any time.

ACCRUAL OF DIVIDENDS: For all accounts, dividends will begin to accrue on non-cash deposits (e.g., checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

AUTOMATICALLY RENEWABLE ACCOUNT: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your deposit will be placed in a dividend-bearing account or a check will be mailed to you at your most current address. Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

BALANCE INFORMATION: For all accounts using the Daily Balance Method, dividends are calculated by applying a daily periodic rate to the principal in the account each day. (This information does not apply to the Basic Checking Account).

BALANCE REQUIREMENTS: For the Money Market Accounts, if your balance falls below the minimum balance to earn the stated APY indicated, your account will not earn dividends for the period the balance remains below the minimum requirement.

COMPOUNDING AND CREDITING: The Compounding, Crediting and Dividend Period for all accounts is monthly . The Dividend period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. (This information does not apply to the Basic Checking Account).

CONTROL OF MULTIPLE PARTY ACCOUNT OWNERS. Any multiple party account owner is authorized and deemed to act for the other owner(s) and the credit union may accept orders and instructions regarding the account, requests for future services, and any transaction from any other account owner. Each multiple party account owner guarantees the signature of the other owners. Any account owner may withdraw all funds in the account, stop payments on items drawn on an account, transfer, or pledge to the credit union all or any part of the shares of any account without the consent of the other account owner(s) and the credit union shall have no duty in such event to notify any other account owner(s). The credit union reserves the right at any time to require written notice of a dispute between account owners or receives inconsistent instructions from them, the credit union may suspend or terminate the account, require a Court order to act or require that all account owners agree in writing to any transaction concerning the account.

EARLY WITHDRAWAL PENALTIES: A penalty may be imposed for withdrawals before maturity:

If your account has an original maturity of one year or less but more than 90 days:
    - Equal to 90 days dividends on the amount withdrawn subject to penalty.
If your account has an original maturity of more than one year:
    - Equal to 180 days dividends on the amount withdrawn subject to penalty.
If your account has an original maturity of less than 90 days:
    - Equal to all dividends earned.

We may impose a penalty of seven days dividends, on the amount withdrawn subject to penalty if the withdrawal is made within the first six days after the deposit.

EXCEPTION TO EARLY WITHDRAWAL PENALTIES: At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction
2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA Keogh and the owner attains age 59½ or becomes disabled.

GRACE PERIOD: You will have a grace period of 10 calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

MATURITY: Your account will mature within the term or at the maturity date set forth on your Account Receipt or Renewal Notice.

MULTIPLE PARTY ACCOUNT OWNER LIABILITY. If any item deposited in a multiple party account is returned unpaid, an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple party owners is jointly and severally liable to the credit union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who created the overdraft, deposited or cashed the item or benefited from the transaction. If any account owner is indebted to the credit union, the credit union may enforce its rights against any or all funds in the multiple party account regardless of who contributed the funds to the account.

NATURE OF DIVIDENDS: 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. The Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union Board of Directors.

NONTRANSFERABLE/NONNEGOTIABLE. Your 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.

RATE INFORMATION: 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. For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

For Share Certificates, the Dividend 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 an assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings.

TRANSACTION LIMITATIONS: After your share certificate account is opened, you may not add funds to your account.

WITHDRAWAL OF DIVIDENDS PRIOR TO MATURITY: The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

This credit union is federally insured by the National Credit Union Administration.

Truth-In-Lending Disclosure

INSTRUCTIONS - This addendum is incorporated into and becomes a part of your LOANLINER Credit Agreement. Please keep this attached to your LOANLINER Credit Agreement.

The ANNUAL PERCENTAGE RATES, corresponding daily periodic rates and amount and due date of payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown below (i.e., late charges, filing fees, collection costs).

We will determine the ANNUAL PERCENTAGE RATE (APR) for each advance based on your approximate loan term, monthly obligations and the information and risk factor(s) received from the credit reporting agency currently used by the credit union. For information regarding Visa, please call (303)657-7000 outside (303) Area Code 1-800-468-0634, or write us at 5495 Arapahoe Ave., Boulder, CO 80303.

Annual Percentage Rate for Purchases*	Visa Platinum As Low As 8.00% Daily Periodic Rate - 0.0219178%	Visa Platinum Rewards As Low As 10.00% Daily Periodic Rate - 0.0273972%
Grace Period for repayment of balance for purchases	You have 25 days from statement date to repay your balance.
Variable Rate Information	Your Annual Percentage Rate may vary. The rate is determined by the Prime Rate plus a margin as Disclosed in the Truth In Lending Disclosure. However, if you fail to keep all of your credit Union accounts in good standing, the rate may increase to the maximum allowed by NCUA, currently set at 18%.
Method of computing the Balance for purchases	We figure a portion of the FINANCE CHARGE on your account by applying the periodic rate to the AVERAGE DAILY BALANCE of your account (including current transactions). To get the average Daily balance we take the beginning balances of your account each day, add any new purchases and advances, and subtract any payments, credits and unpaid finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Cycle and divide the total by the number of days in the Billing Cycle, this gives us the AVERAGE DAILY BALANCE. The FINANCE CHARGE for any Billing Cycle will be the sum of the FINANCE CHARGE for Purchases and the FINANCE CHARGE for Cash Loan Advance.
Minimum Finance Charge	None.
Transaction fee for purchases	None.
Finance charge for cash advances*	Visa Platinum As Low As 8.00% Daily Periodic Rate - 0.0219178%	Visa Platinum Rewards As Low As 10.00% Daily Periodic Rate - 0.0273972%
Finance charge for balance transfers*	Visa Platinum As Low As 8.00% Daily Periodic Rate - 0.0219178%	Visa Platinum Rewards As Low As 10.00% Daily Periodic Rate - 0.0273972%
Late payment fee	$28.00
Over-the-credit limit fee	$28.00

CHECKING ACCOUNT FEES:

1. Stop Payment - $15.00
2. Returned Checks - $28.00
3. Payment of Check in Excess of Balance (NSF) - $28.00
4. Payment of Draft from held funds - $28.00
5. Duplicate Copy of Check/Corporate Check - $2.00
6. Check Order Fee - Fee depends on style of check, Minimum $11.25/box
7. Overdraft Protection from Savings - Free Not available with Basic Checking

MISCELLANEOUS ACCOUNT FEES:

1. Skip-a-Payment Fee - FREE
2. Bill Paying Services:

Online
$4.95/month for up to 10 payments
$0.35/each over 10 payments
* Bill Payment monthly fees are waived with subscription to e-Statement services

3. If check sent to collections (includes ATM transactions) - $28.00
4. ACH Returns - $28.00 (NSF Only)
5. Stop Payment - $15.00 
6. Wire Transfers - $15.00 (Minimum)
7. Western Union Money Order - $15.00
8. International Wire Transfers - $35.00
9. Collection Items - $20.00
10. Travelers Checks (no fee with balance > $100) - FREE
11. Travelers Checks for Two - FREE
12. Inactive Account Fee (1 year or over) - $5.00/month (members over 18 years of age, balances less than $100.00)

VISA / ATM FEES:

1. Visa Debit Card - No Annual Fee
2. ATM Access Card - No Annual Fee
3. Card Instant Issue - None
4. Pin Rissue/Change - None
5. Rush Card Reorder - $25.00
6. ATM Transaction Fee (Non-proprietory - excluding inquires) - $1.50/transaction
7. VISA Sales Draft Copy - $12.00/copy 

8. Visa Gift Card - $3.00