Delta County Credit Union - Embers Credit Union

Membership & Account Agreement | 23 ACCOUNT rate: ACCOUNT rate: SAVINGS EMBERS CREDIT UNION 201221571-020 © 2016 Wolters Kluwer Financial Services, Inc. All rights reserved. AIB-TIS-CU 6/1/2016 9a Custom TCM-24CUu,2bj,3p,4s a condition of admission to membership. 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 demand 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. 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: share draft, in-person withdrawal, ATM withdrawal, or other electronic means. Please refer to our separate fee schedule for additional information about charges. YOUR ACCOUNT These are the accounts you have opened or inquired about. Further details about these accounts are inside this disclosure. If the figures are not filled in, please see the insert that is with this disclosure or your periodic statement. □ SHARE ACCOUNT Last declared dividend rate: As of the last dividend declaration date, the dividend rate was ———— % with an annual percentage yield of ————— % on your account. □ FIRE REWARDS SHARE DRAFT ACCOUNT Last declared dividend rate: As of the last dividend declaration date, the dividend rate was ———— % with an annual percentage yield of ————— % on your account. □ SHARE DRAFT ACCOUNT □ MONEY MAKER Last declared dividend Tier 1 - As of the last dividend declaration date, if your daily balance was more than $99.99 but less than $2,500.00, the dividend rate paid on the entire balance in your account was ————— %, with an annual percentage yield of —————%. Tier 2 - As of the last dividend declaration date, if your daily balance was more than $2,499.99 but less than $10,000.00, the dividend rate paid on the entire balance in your account was ————— %, with an annual percentage yield of ————— %. Tier 3 - As of the last dividend declaration date, if your daily balance was more than $9,999.99 but less than $25,000.00, the dividend rate paid on the entire balance in your account was —— %, with an annual percentage yield of ————— %. Tier 4 - As of the last dividend declaration date, if your daily balance was more than $24,999.99 but less than $50,000.00, the dividend rate paid on the entire balance in your account was —— %, with an annual percentage yield of ————— %. Tier 5 - As of the last dividend declaration date, if your daily balance was more than $49,999.99 but less than $100,000.00, the dividend rate paid on the entire balance in your account was ————— %, with an annual percentage yield of ————— %. Tier 6 - As of the last dividend declaration date, if your daily balance was $100,000.00 or more, the dividend rate paid on the entire balance in your account was ————— %, with an annual percentage yield of ————— %. □ VACATION Last declared As of the last dividend declaration date, the dividend rate was — % with an annual percentage yield of ————— % on your account. □ CHRISTMAS CLUB ACCOUNT Last declared dividend rate: As of the last dividend declaration date, the dividend rate was — % with an annual percentage yield of ————— % on your account. □ HEALTH SAVINGS ACCOUNT Last declared dividend rate: As of the last dividend declaration date, the dividend rate was ___% with an annual percentage yield of ————— % on your account. □ INDIVIDUAL RETIREMENT ACCOUNT □ TRADITIONAL □ ROTH □ COVERDELL EDUCATION Last declared dividend rate: As of the last dividend declaration date, the dividend rate was — % with an annual percentage yield of ————— % on your account.

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