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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts is set forth above. The Dividend Rate is the interest rate to be paid on an account which does not reflect compounding. The Annual Percentage Yield is an annualized rate that reflects the relationship between the amount of dividends earned on an account and the frequency of compounding for a 365-day period. The Dividend Rate and Annual Percentage Yield may change as determined by RCFCU's Board of Directors.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Compounding and Crediting. Dividends will be compounded every day they are on deposit at the end of the business day and credited to your account every month. The dividend period for each account is monthly. The Dividend Period begins on the first calendar day of the period and ends on the last day of the period.

4. Accrual of Dividends. Dividends on deposits will begin to accrue the business day you make the deposit. If you close your account before dividends are posted, accrued dividends will not be paid. Dividends are not earned on the day of withdrawal.

5. Balance information. The minimum balance required to open each account is shown on the reverse side. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

6. Transaction Limitations. The transaction limitations for each account are set forth on the reverse side. For Regular Savings Accounts and Special Reserve Accounts on which transfer limitations apply, 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 not more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be closed.

7. Withdrawal of Share Certificate Dividends. You may only withdraw dividends on Share Certificate Accounts before maturity if you make arrangements with us for periodic payments of dividends in lieu of crediting. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

8. Maturity. Your Share Certificate Account will mature at the maturity date set forth on your certificate or renewal notice. If your certificate automatically renews at maturity, you may prevent renewal if we receive notice from you within seven calendar days after maturity. If you prevent renewal or your Share Certificate Account does not automatically renew, your deposit will be placed in a dividend-bearing account without any early withdrawal penalty. Each automatic 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 Share Certificate Accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original Share Certificate Account.

9. Additional Deposits. Additional deposits are allowed to savings and checking accounts, but not to share certificates.