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DIVIDEND CHECKING ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: The minimum balance required to open this account is $100. You must maintain a minimum average daily balance of $750 in your account to avoid a monthly service fee. If, during any monthly statement cycle, your average daily balance is below the required minimum, your account will be subject to a monthly service fee for that monthly statement cycle (see separate Fee Disclosure). See the Common Features section for an explanation of the average daily balance computational method. This fee will be waived with monthly direct deposit of $500 or more. Your direct deposit can only be used to waive the monthly service fee on this checking account. This fee will also be waived if in the calendar month the account meets all three of the following conditions: 10 Visa Debit Card point-of-sale transactions (does not include ATM transactions); 2 bill payments through Online Banking; and signed up to receive electronic statements. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. PREFERRED DIVIDEND CHECKING ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: The minimum balance required to open this account is $100. You must maintain a minimum average daily balance in this account of $750 and an aggregate average combined daily balance of $10,000 in all savings, money market and certificate accounts that you are the primary owner of to avoid a monthly service fee. If either, during any monthly statement cycle, your account's average daily balance or the aggregate average combined daily balance is below the required minimum, your account will be subject to a monthly service fee for that monthly statement cycle (see separate Fee Disclosure). The account's minimum average daily balance requirement of $750 will be waived with monthly direct deposit of $500 or more. Your direct deposit can only be used to waive the average daily balance requirement of $750 in this account. See the Common Features section for an explanation of the average daily and aggregate average combined daily balance computational methods. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. NEWPOINT CHECKING ACCOUNT Eligibility - You may not have more than eight (8) NSF/UCF items within the first year. Any overdrafts paid by KeyPoint Credit Union need to be cleared from the account within 15 days. Failure to abide by any of these requirements can result in your account being immediately closed without notice. Any remaining funds will be sent to you. This product is not eligible for Shared Branching, VISA , Debit Card, and Courtesy Pay Privilege. Minimum balance requirements: The minimum balance required to open this account is $100. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. A monthly service fee will be charged each monthly statement cycle (see separate Fee Disclosure).

TRUTH-IN-SAVINGS DISCLOSURE
BASIC CHECKING ACCOUNT Minimum balance requirements: The minimum balance required to open this account is $100. You must maintain a minimum average daily balance of $500 in your account to avoid a monthly service fee. If, during any monthly statement cycle, your average daily balance is below the required minimum, your account will be subject to a monthly service fee for that monthly statement cycle (see separate Fee Disclosure). See the Common Features section for an explanation of the average daily balance computational method. This fee will be waived with monthly direct deposit of $500 or more. Your direct deposit can only be used to waive the monthly service fee on this checking account. This fee will also be waived if in the calendar month the account meets all three of the following conditions: 10 Visa Debit Card point-of-sale transactions (does not include ATM transactions); 2 bill payments through Online Banking; and signed up to receive electronic statements. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. STUDENT CHECKING ACCOUNT Eligibility - You must be at least 16 years old and no older than 26 years old to open a Student Checking account. If you are 16 or 17 years old, a financially responsible adult joint owner is required. At age 27, the Student Checking account is automatically transferred to a Basic Checking account or similar account offered at that time. This account is not eligible for Courtesy Pay Privilege. This account does not earn dividends. Current student ID required. You must be at least 18 years old to be eligible for a VISA , Debit Card. Minimum balance requirements: The minimum balance required to open this account is $25. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. UNLIMITED CHECKING ACCOUNT Minimum balance requirements: The minimum balance required to open this account is $100. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Fees and charges: A monthly service fee will be charged each monthly statement cycle (see separate Fee Disclosure). This fee will be waived with monthly direct deposit of $500 or more. Your direct deposit can only be used to waive the monthly service fee and earn ATM fee rebates on this checking account. This fee will also be waived if in the calendar month the account meets all three of the following conditions: 10 Visa Debit Card point-of-sale transactions (does not include ATM transactions); 2 bill payments through Online Banking; and signed up to receive electronic statements. ATM fee rebates: Unlimited Checking provides ATM fee rebates with direct deposit. Other financial institutions that are involved in your electronic access to your KeyPoint Credit Union accounts (such as another institution whose ATM you use) may impose fees for that access. These third-party ATM fees will appear on your KeyPoint Credit Union periodic account statements. If you notify us within 60 days of when we first send or make the statement available on which a third party fee appears, we will rebate the fee. If you do not request the reversal on time, we will not rebate the fee. International Service Assessment fees cannot be rebated. Refer to the separate Fee Disclosure for additional restrictions. PREFERRED UNLIMITED CHECKING ACCOUNT Minimum balance requirements: The minimum balance required to open this account is $100. To avoid a monthly service fee and be eligible for ATM fee rebates, you must maintain monthly direct deposit of $500 or more and maintain an aggregate average combined daily balance of $10,000 in all savings, money market and certificate accounts that you are the primary owner of during the month. See the Common Features section for an explanation of the aggregate average combined daily computational method. Your direct deposit can only be used to earn ATM fee rebates on this checking account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. ATM fee rebates: Preferred Unlimited Checking provides ATM fee rebates with direct deposit. Other financial institutions that are involved in your electronic access to your KeyPoint Credit Union accounts (such as another institution whose ATM you use) may impose fees for that access. These third-party ATM fees will appear on your KeyPoint Credit Union periodic account statements. If you notify us within 60 days of when we first send or make the statement available on which a third-party fee appears, we will rebate the fee. If you do not request the reversal on time, we will not rebate the fee. International Service Assessment fees cannot be rebated. Refer to the separate Fee Disclosure for additional restrictions.

- 1993 Wolters Kluwer Financial Services - Bankers Systems*

Form TIS-BRO-CU 12/14/93 Custom 4r 3606093-010

MDF. ECATISBR

(page 1 of 3)

SMART SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. This is a tiered rate account. Please refer to the separate Rate Schedule for current tiers and rates. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: The minimum balance required to open this account is $25. You must maintain a minimum average daily balance of $25 in your account to avoid a monthly maintenance fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a monthly maintenance fee for that month (see separate Fee Disclosure). If the end-of-quarter balance falls below $100 and this is the only account you have with the Credit Union, your account will be subject to a single service fee for that quarter (see separate Fee Disclosure). This fee will not apply if the primary account holder is under 21 years of age. See the Common Features section for an explanation of the average daily balance computational method. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third-party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or similar order to a third-party. If you exceed the transfer limitations set forth above, your account will be subject to transfer to a non-interest bearing account or closure by the Credit Union. Fees and charges: An excess withdrawal fee will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of the above limitations (see separate Fee Disclosure). KIDS ACCOUNT Eligibility - This account is available to any child under the age of 18 with a Social Security number. A financially responsible adult joint owner is required. This account is not eligible for Courtesy Pay Privilege. At age 18, the Kids Account is automatically transferred to a Smart Savings Account. Minors age 12 or older may be authorized an ATM card. Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. This is a tiered rate account. Please refer to the separate Rate Schedule for current tiers and rates. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: You must make a $25 initial deposit. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third-party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or similar order to a third-party. If you exceed the transfer limitations set forth above, your account will be subject to transfer to a non-interest bearing account or closure by the Credit Union. Fees and charges: An excess withdrawal fee will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of the above limitations (see separate Fee Disclosure). MONEY MARKET ACCOUNTS Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. This is a tiered rate account. Please refer to the separate Rate Schedule for current tiers and rates. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: The minimum balance required to open this account is $1,000. You must maintain a minimum average daily balance of $1,000 in your account to avoid a monthly service fee. If, during any monthly statement cycle, your average daily balance is below the required minimum, your account will be subject to a monthly service fee for that monthly statement cycle (see separate Fee Disclosure). See the Common Features section for an explanation of the average daily balance computational method. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third-party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, or similar order to a third-party. If you exceed the transfer limitations set forth above, your account will be subject to transfer to a non-interest bearing account or closure by the Credit Union. Fees and charges: An excess withdrawal fee will be charged for each debit transaction (withdrawal, draft or check paid, automatic transfer or payment out of this account) in excess of the above limitations (see separate Fee Disclosure). HEALTH SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. This is a tiered rate account. Please refer to the separate Rate Schedule for current tiers and rates. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: The minimum balance required to open this account is $25. You must maintain a minimum average daily balance of $25 in your account to avoid a monthly service fee. If, during any monthly statement cycle, your average daily balance is below the required minimum, your account will be subject to a monthly service fee for that monthly statement cycle (see separate Fee Disclosure). See the Common Features section for an explanation of the average daily balance computational method. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Consult your separate HSA disclosure for restrictions on withdrawals, tax penalties and other important information. Fees and charges: An enrollment fee will be charged at account opening (see separate Fee Disclosure). IRA FLEX SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union's Board of Directors. This is a tiered rate account. Please refer to the separate Rate Schedule for current tiers and rates. Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - 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 periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. Minimum balance requirements: The minimum balance required to open this account is $100. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
MDF. ECATISBR

- 1993 Wolters Kluwer Financial Services - Bankers Systems*

Form TIS-BRO-CU 12/14/93 Custom 4r 3606093-010

(page 2 of 3)

CERTIFICATE ACCOUNT INDIVIDUAL RETIREMENT ACCOUNT (IRA) Rate Information - The dividend rate on your term share account is

% with an annual percentage yield of %. You will be paid this rate until first maturity. Compounding frequency - Dividends will be compounded every quarter unless otherwise paid. Crediting frequency - Dividends will be credited to your account at maturity and every quarter. Alternatively, you may choose to have dividends paid to another account every quarter rather than credited to this account. Dividend period - For this account type, the dividend period is quarterly. Minimum balance requirements: The minimum balance required to open this account is $1,000. You must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Transaction limitations: After the account is opened, you may not make additions into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account. Time requirements - Your account will mature . Callable account - We may redeem this account, at our option, at any time. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) } If your account has an original maturity of 12 months or less: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty. } If your account has an original maturity of more than 12 months: The penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. 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. 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, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will continue to accrue after final maturity for up to nine calendar days. The dividend rate will be the rate offered at maturity. 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. You will have a grace period of nine calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

COMMON FEATURES Transaction limitation - We reserve the right to at any time require 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 as defined by Regulation D. Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).) Average Daily Balance Computational Methodology - The minimum 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 monthly statement cycle. Aggregate Average Combined Daily Balance Computational Methodology - The aggregate average combined daily balance is calculated by adding the balance in the accounts for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. National Credit Union Share Insurance Fund - Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund. Overdraft Fee Transaction Categories - The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means. Rate Schedule/Fee Disclosure - Please refer to our separate Rate Schedule for current dividend rate and annual percentage yield information and to our separate Fee Disclosure for additional information about charges.

YOUR ACCOUNT(S) These are the accounts you have opened or inquired about. Further details about these accounts are inside this brochure or provided in a separate brochure.

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BASIC CHECKING ACCOUNT STUDENT CHECKING ACCOUNT UNLIMITED CHECKING ACCOUNT PREFERRED UNLIMITED CHECKING ACCOUNT DIVIDEND CHECKING ACCOUNT PREFERRED DIVIDEND CHECKING ACCOUNT NEWPOINT CHECKING ACCOUNT SMART SAVINGS ACCOUNT KIDS ACCOUNT MONEY MARKET ACCOUNT HEALTH SAVINGS ACCOUNT IRA FLEX SAVINGS ACCOUNT CERTIFICATE ACCOUNT/INDIVIDUAL RETIREMENT ACCOUNT (IRA)

- 1993 Wolters Kluwer Financial Services - Bankers Systems*

Form TIS-BRO-CU 12/14/93 Custom 4r 3606093-010

MDF. ECATISBR

(page 3 of 3)