TRUTH-IN-SAVINGS DISCLOSURE FOR SAVINGS, TEEN & YOUTH CHECKING AND MONEY MARKET ACCOUNTS

1. SAVINGS AND CHECKING ACCOUNT 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. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.

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. DIVIDEND PERIOD, COMPOUNDING AND CREDITING - For all accounts, except Money Market, the dividend period is the calendar month and dividends will be calculated daily and compounded and credited monthly. The dividend period is the period of time at the end of which an account earns dividend credit. For Money Market accounts, the dividends will be calculated daily, compounded daily, and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. ACCRUAL OF DIVIDENDS - Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. BALANCE COMPUTATION METHOD - Dividends are calculated by the daily balance method which applies a daily periodic rate to the account balance in the account each day.

6. FEES AND CHARGES - Please refer to our separate Fee Schedule for all fees applicable to these accounts. Fees may reduce earnings.

7. OVERDRAFTS - An overdraft can be created by check, in-person withdrawal, ATM withdrawal, POS transaction, or other electronic means. The IRA and Health Savings Accounts cannot be used as overdraft protection arrangement accounts.

8. AUTOMATIC BALANCE TRANSFER ON HOLIDAY SAVINGS ACCOUNT - The entire balance of the Holiday Savings Account will automatically transfer to the primary member’s oldest established checking account on October 15. If there is no eligible account for transfer, the funds will remain in the Holiday Savings Account and be eligible for use subject to Regulation D account limitations.

See separate Information sheet for Business Deposit Accounts.

Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 904-777-6000 or 800-445-6289, option 9.

VYSTAR+ CHECKING TRUTH IN SAVINGS DISCLOSURE

1. RATE INFORMATION - Please see our Current Rates for current dividend rates and Annual Percentage Yield (APY). 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. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.

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. DIVIDEND PERIOD, COMPOUNDING AND CREDITING - The dividend period is the calendar month and dividends will be calculated daily and compounded and credited monthly. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. If you close your deposit account before interest is paid, you will not receive the accrued interest.

4. ACCRUAL OF DIVIDENDS - Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. BALANCE COMPUTATION METHOD - Dividends are calculated by the Daily Balance Method which applies a daily periodic rate to the account balance in the account each day.

6. FEES AND CHARGES – VyStar+ Checking has a $5.99 monthly service fee. This fee will be debited from your account. Please refer to our separate Fee Schedule for all other fees applicable to this account. Fees may reduce earnings.

7. OVERDRAFTS - An overdraft can be created by check, in-person withdrawal, ATM withdrawal, POS transaction, or other electronic means. IRA and Health Savings Accounts cannot be used as overdraft protection arrangement accounts.

8. MINIMUM BALANCE REQUIREMENTS - There is no minimum balance required to open a VyStar+ Checking Account. There is no minimum balance required to earn dividends at the current APY on your VyStar+ Checking Account.

9. FEATURES AND BENEFITS – Please refer to the Econocheck Benefits and Features Disclosure for applicable features and benefits of the VyStar+ Checking Account.