Share & Share Draft Accounts

Rate & Fee Schedule

The rates, fees, and terms applicable to your account at the Freestone Credit Union are provided in this Rate and Fee Schedule. The Freestone Credit Union may offer other rates for these accounts from time to time.

Share Account Fees

Other Service Fees (Applicable to All Accts.)

Share and Share Draft Account Fees

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

Section 1. 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.

Section 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.

Section 3. Dividend Compounding and Crediting.

The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.

Section 4. Accrual of Dividends.

For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

Section 5. Balance information.

The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share and Share Drafts accounts, there is a minimum average daily balance required to obtain the annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.

Section 6. Account Limitations.

• For Share, Kirby Kangaroo, and CU Succeed Accounts, during any month, you may not make more than six (6) electronic withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or home banking transfer. No more than six (6) transfers may be made by draft, ATM or debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to an over six (6) electronic transactions penalty fee or closure by the credit union. If an electronic transaction draws your savings below minimum, no more electronic transfers will be permitted. (Regulation D)

• For Money Market Accounts, no more than six (6) withdrawals are allowed each month. 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, telephonic order or instruction, or similar order to a third party.

• For a Christmas Club account, the entire balance will be paid to you by check on or after November 1 (unless otherwise requested) and the account will remain open.

• For Share Draft accounts, no account limitations apply.

• For IRA accounts, limitations governed by the IRS.

RATE SCHEDULE

Share Account

Last Dividend Declaration Date: 07-01-2013

Share Draft Account (Checking)

Last Dividend Declaration Date: 04-01-2014

Money Market Account

Last Dividend Declaration Date: 04-01-2018

IRA Accounts

Last Dividend Declaration Date: 01-01-2024

Vacation, Christmas & Other Savings Accounts

Last Dividend Declaration Date: 07-01-2013

Kirby Kangaroo & CU Succeed Accounts

Last Dividend Declaration Date: 07-01-2013

The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Last Dividend Declaration Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on accounts, please call the Credit Union.