*Annual Percentage Yield

** Flex Rate: Deposit a minimum of $500 into an America’s First FlexRate Certificate and lock in one of the best rates around. If rates go up any time during the term of your certificate, just drop by your nearest America’s First branch and increase the rate on your certificate. (Limit one rate increase during the original term of the certificate. A new certificate will be issued for the same term as the original certificate. Available to qualified members only. Member savings are federally insured up to $100,000 by the National Credit Union Administration, an agency of the federal government and additionally insured up to $250,000 by Excess Share Insurance. Individual Retirement Accounts are federally insured up to an additional $100,000 (insured up to $250,000 effective 4-1-2006) by the National Credit Union Administration and additionally insured up to $250,000 by Excess Share Insurance. Rates and terms are subject to change without notice. Substantial penalty for early withdrawal.

Dividends: We will pay this rate from the date of issue until the Original Maturity Date disclosed above. In the event that a Share Certificate renewed for any successive period(s), it will earn dividends at the prevailing rate then in effect. On accounts with maturities longer than one month, you will be notified in advance of the renewal, and we will tell you when the rate will be known for any subsequent renewal period. The annual percentage yield (APY) assumes that dividends remain in the account until maturity. A withdrawal of dividends will reduce your earnings. If you close this account before dividends are paid, you will receive the accrued dividends subject to the early withdrawal penalty.

Dividend Computation Method: Dividends are computed using the Daily Balance Method which applies a daily periodic rate to the balance in the account each day.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated above.

Subsequent Renewals: This account will automatically renew for successive periods equal to the original term beginning on each maturity date. You will have a grace period of 10 calendar days after maturity to withdraw funds without a penalty. If you do not wish to automatically renew this account, you must either notify us in writing before any maturity date, or within 10 days thereafter, or close this account at maturity or within 10 calendar days.

Early Withdrawal Penalty: If any account owner requests a full or partial withdrawal of principal prior to any maturity date, unless caused by the death or incapacity of an account owner, and we agree to allow the early withdrawal, you will be subject to a penalty of the lesser of 90 days dividends, or all dividends earned from the date of issue. See the Plan disclosure if this account is part of an IRA or other tax qualified plan.

Rate Information: The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors. Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account 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 periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close this account before dividends are credited to your account, you will not receive accrued dividends.

Member savings are federally insured up to $100,000 by the National Credit Union Administration, an agency of the federal government and additionally insured up to $250,000 by Excess Share Insurance. Individual Retirement Accounts are federally insured up to an additional $100,000 (insured up to $250,000 effective 4-1-2006) by the National Credit Union Administration and additionally insured up to $250,000 by Excess Share Insurance.

Minimum Balance Requirements: There is no minimum balance requirement for this account.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend 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.

Transaction Limitations: Deposits to this account are limited to the eligible annual amount as established by the Internal Revenue Service and changed from time to time. Unqualified withdrawals are subject to penalties imposed by the Internal Revenue Service as outlined below..

Early Withdrawal Penalty: The credit union does not impose an early withdrawal penalty for this account. Any withdrawal of funds from your IRA account, other than in the event of your death, disability or having attained the age of eligibility as defined by the Internal Revenue Service is subject to penalties imposed by the IRS.

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

Rate Information: The dividend rate and annual percentage yield may change as often as daily. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and APY, as quoted below, are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

Dividend Information: For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1 and the ending date of the first period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be January 31.

Dividend Computation Method: Dividends will be calculated by the daily balance method, which applies a daily periodic rate to the ending balance in your account each day. Dividends will begin to accrue on cash deposits and non-cash deposits (e.g., checks), on the business day you make the deposit to your account. If you close your account before dividends are credited to your account, you will not receive any unpaid dividends.

The dividend rate and annual percentage yield paid on your account depends upon the tier into which your ending balance falls each day. Tiers are the different ranges of balances as indicated above.

Minimum Balance Requirements: The minimum balance required to open this account is $2500. You must maintain a daily balance of $2500 to avoid a minimum balance fee for the dividend period as set out in our fee schedule.

Transaction Limitations: During any calendar month, you may make no more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six may be made by check, draft, debit card, or similar order to a third party. If you exceed the transaction limitations set forth above in any dividend period, the transaction will be subject to an excess transaction fee and could result in this account being reclassified to another type of account with an unlimited number of monthly transactions. You agree that we may make transfers from this account to your other sub accounts during the dividend period subject to the limit of six total transactions. In person, you may make an unlimited number of deposits or withdrawal transactions at the teller window or at the automated teller machine. Checks or drafts paid on this account will not be returned in the monthly statements.

*Annual Percentage Yield

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors. Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account 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 periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your regular Christmas Club account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend 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.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

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

Fees and Charges: An early withdrawal fee of $10.00 per withdrawal will be charged for each withdrawal in excess of one per club year

Rate Information: The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every month. Dividends will be credited to your account every month. For this account type, the dividend period is monthly, 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 January 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be January 31. If you close your share draft account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: * The minimum balance required to open an EZ Checking or EZ PrimeTime Checking Account is $25. You must maintain a minimum average daily balance of $500 in your account to obtain the disclosed annual percentage yield. * The minimum balance required to open an EZ Premium Checking Account is $2,500. You must maintain a minimum average daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. If your account balance falls below $2,500, you will be subject to a minimum balance fee.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend 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.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: No transaction limitations apply to this account.

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

Share Draft Fees and Charges: Prices for share drafts vary depending on the style and quantity selected. These fees are provided to you at the time you place your share draft order. There is a minimum monthly fee if you elect to receive images of your canceled checks by mail. The fee is set by the Board of Directors and may be changed from time to time.

Other Terms and Conditions: See your account agreement for the other terms and conditions of this account.

$25.00 minimum requirement to open a Share Account.

$100.00 minimum average daily balance required to earn a dividend.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account 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 periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your regular Christmas Club account before dividends are credited to your account, you will not receive accrued dividends

Minimum Balance Requirements: The minimum balance required to open this account is the purchase of a $25.00 share in the credit union. You must maintain a minimum balance of $25.00 in your account to avoid a service fee. If, during any month, your account falls below the required minimum daily balance, your account will be subject to a par value fee, which currently is $5.00. You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend 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.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: During any statement period, 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 or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union or to a fee of $2 per item. An excessive share withdrawal fee will be charged for each withdrawal in excess of two during any calendar month

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