Administration Center 20 4th Avenue SE, Melrose, MN 56378

888.330.8482 | mycmcu.org |

March 10, 2017

Dear Collegeville Community Credit Union Member,

On behalf of the Central Minnesota Credit Union team, I would like to say, “Welcome!” We are excited to have you as a member of our credit union. Thank you for putting your trust in CMCU — we look forward to a successful financial future together.

CMCU has always demonstrated a deep commitment to personal, quality service that is unmatched in the industry. We strive to give our members access to the best financial products and services in the area. We are also dedicated to our small town, rural community roots and look forward continuing this tradition with you.

Enclosed you will find important dates, frequently asked questions, information about the products and services offered by Central Minnesota Credit Union, how to access your account(s), and account disclosure information. Please keep this packet for future reference.

Again, welcome to Central Minnesota Credit Union. We are excited to have you as a member of our strong financial organization and look forward to serving you and your financial needs. If you have any questions please feel free to talk with us by phone or visit any branch location, including the branch located on Fruit Farm Road.

Sincerely,

Richard OdenthalChief Executive Officer/President Central Minnesota Credit Union

Welcome!

Centered on you.

2

C e n t e r e d o n y o u .

Member Owned & Operated Since 1939Central Minnesota Credit Union has been built from the ground up by its members since 1939. The credit union was chartered in Melrose, Minnesota under the philosophy of ‘people helping people.’ Every member is an owner and earnings are returned through better rates and lower fees. Your board of directors is made up of members who volunteer their time to ensure each decision benefits membership as a whole.

Today, CMCU offers a full array of financial products and services including consumer checking, savings, loans, mortgages, credit cards, internet and mobile banking, business accounts and loans, as well as agricultural lending. CMCU is a top agricultural lending credit union in Minnesota. CMCU is a Minneapolis Star Tribune award-winning workplace and has over 300 employees. CMCU has $960 million in assets, 57,000 members and 17 branch locations throughout Minnesota.

MembershipCentral Minnesota Credit Union membership is open to persons who live, work, worship, volunteer or attend school in the following Minnesota Counties: Becker, Benton, Clay, Douglas, Grant, Kandiyohi, Meeker, Morrison, Otter Tail, Pope, Sherburne, Stearns, Todd, Wadena, Wilkin, Wright; North Dakota Counties: Cass and Richland.

Businesses and other legal entities which operate in these counties also qualify, as well as blood relatives of regularly qualified credit union members.

Our Mission and VisionCentral Minnesota Credit Union is committed to our vision of enhancing the lives of members and communities through strength, service and growth. We make an impact in the lives of our members and the communities in which they live. We serve our communities by investing money and volunteering time with local organizations. Central Minnesota Credit Union is committed to enhancing the lives and communities for all within our field of membership.

CLAY BECKER

OTTER TAIL

WADENA

WILKIN

TODD

MEEKER

POPE

GRANT

DOUGLAS

MORRISON

STEARNS

KANDIYOHIWRIGHT

SHERBURNE

BENTON

Sebeka

Nimrod

VerndaleAldrich

Georgetown FeltonUlen

Hitterdal

Comstock

Ogema

Callaway

Lake Park

Audubon

Wolf Lake

Wolverton

Kent

Sabin

Glyndon

Menahga

Frazee

Hawley

Barnesville

Dilworth

Wadena

Little Falls

DetroitLakes

Moorhead

Clear Lake

SouthHaven

Waverly

Gilman

Zimmerman

BeckerClearwater

Annandale

MapleLake

MontroseDelano

HowardLake

Cokato

Rockford

Hanover

Big Lake

Princeton

Foley

Elk River

Buckman

Genola

Lastrup

Harding

RoyaltonBowlusElmdale

Upsala

Sobieski

Flensburg

Swanville

Randall

Hillman

Hewitt

Bertha

Eagle Bend

Clarissa

Browerville

West Union GreyEagle

Burtrum

Carlos

MiltonaMillerville

Evansville

Brandon

Nelson

ForadaKensington

Farwell

LowryVillard Westport

LongBeach

Sedan

Cyrus

WendellAshby

Herman

NorcrossBarrett

Erhard

Vergas

Dent

Richville

New York Mills

Deer Creek

Ottertail

Henning

Vining

ClitherallBattleLake

Urbank ParkersPrairie

Dalton

Underwood

Elizabeth

Rothsay

Foxhome

Doran

Campbell

TenneyNashua

Pierz

Staples

Osakis

Starbuck

Pelican Rapids Perham

Long Prairie

Glenwood

Breckenridge

Elbow Lake

Alexandria

Fergus Falls

Raymond

Prinsburg

Sunburg

New London

Pennock

Blomkest Lake Lillian

Kandiyohi

Elrosa

Brooten

Belgrade

Regal

Lake Henry

Spring Hill

Greenwald

MeireGrove

New Munich

St. Rosa

FreeportSt. Anthony

Avon

Holdingford

St. Stephen

Roscoe

St. Martin

KimballEden Valley

Watkins

Spicer

Atwater

Dassel

St. Augusta

Rockville

Cold Spring

Richmond

Paynesville

Sauk Centre

Albany

Melrose

St. Joseph

Willmar

Sartell

MonticelloOtsego

St. MichaelRogers

Albertville

SaukRapids

WaitePark

St.Cloud

Grove City

Darwin

CosmosCedarMills

Kingston

75

12

10

10

10

10

10

10

12

75

59

59

59

210

210

23578

78

78

29

29

29

29

29

108

106

108108

228

210210

55

55

79

55

55

55

55

4

4

4

54

27

27 27

2727

115

238

238

237

287

114

114

104

28

28

28

28

23

9515

15

15

23

23

23

23

23

25241

101

25

25

25

55

5524

227

27

9

9

9

9

9

7

87

34

32

34 34

113

169

71

71

71

71

94

94

94

94

RICHLAND

CASS

94

29

29

Hankinson

Casselton

Wahpeton

West FargoFargo

Collegeville

CMCU Branch

3

Administration Center20 4th Avenue SEMelrose, MN 56352Monday - Friday 8 am - 5 pm

Service Center1140 Elm Street EPO Box 190 (Main PO Box)PO Box 935 (Loan Service)St. Joseph, MN 56374Monday - Friday 8 am - 5 pm

Sauk Centre 1181 Main Street SPO Box 312Sauk Centre, MN 56378Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Cold Spring 208 3rd Ave South Cold Spring MN 56320Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Long Prairie 701 Lake Street South PO Box 328Long Prairie, MN 56347Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Albany641 Railroad Avenue PO Box 339Albany, MN 56307Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Grey Eagle114 Woodman Street N PO Box 7Grey Eagle, MN 56336Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm (Drive-Up)

New York Mills101 Main Avenue NPO Box FNew York Mills, MN 56567Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm (Drive-Up)

Belgrade 218 Wells StreetPO Box 129Belgrade, MN 56312Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm (Drive-Up)

Perham108 Judd StreetPO Box 399Perham, MN 56573Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Little Falls35 East BroadwayPO Box 758Little Falls, MN 56345Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Freeport 107 1st Avenue N PO Box 248Freeport, MN 56331Mon - Thurs: 8 am 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm (Drive-Up)

Moorhead1002 Main AvenueMoorhead, MN 56560Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm (Drive-Up)

Wadena80 Jefferson Street SPO Box 549Wadena, MN 56482Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm (Drive-Up)

Paynesville 1025 Main Street WPO Box 209Paynesville, MN 56362Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Avon209 Avon Avenue SPO Box 467Avon, MN 56310Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Holdingford 500 Main StreetPO Box 129 Holdingford, MN 56340Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: Closed

B r a n c h L o c a t i o n s & H o u r s

Melrose320 Main Street E Melrose, MN 56352Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

St. Joseph 1300 Elm Street EPO Box 87St. Joseph, MN 56374Mon - Thurs: 8 am - 5 pmFri: 8 am - 6 pmSat: 8 am - 12 pm

Collegeville14284 Fruit Farm Road St. Joseph, MN 56320 Mail to: PO Box 5577 Collegeville, MN 56321Mon - Fri: 8 am - 5 pm

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I m p o r t a n t D a t e s

A P R I L

10

New Account Numbers, Cards, Pins, and Coupon BooksYou will start receiving a few different documents in the mail:

· Account Numbers: Your account number will be different than the one you currently have with CCCU. You will receive a separate letter with your new account numbers. Keep these account number(s) secure.

· Debit Cards: You will receive a new CMCU debit card in the mail. This will replace your CCCU debit card which will become inactive May 1, 2017.You can activate this card and start using it on May 1, 2017. If you would like to activate your new CMCU debit card prior to May 1st, please contact a CMCU representative.

· Pin: The pin number for your new CMCU debit card will also change and arrive in a different mailing for security purposes.

A P R I L

26Last Day for Collegeville Bill PayTo avoid any accidental missed bill payments, please do not schedule any payments in CCCU Online Bill Pay April 26, 2017 or later.

M AY

1

Transition CompleteNow that your accounts have officially moved over to CMCU, here are some of the high-priority tasks you may need to complete:

· Update your direct deposit information

· Activate and start using your new CMCU debit card

· Update loan payments

· Order FREE CMCU Checks (May 1 - 31)

· Update automated bill payments

More information is available on the “New Member Checklist.”

A P R I L

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Transition Weekend & Online BankingAccounts will be switching over throughout the weekend. CCCU Online Banking will go off-line at 5pm on Friday, April 28th. You will be able to set up CMCU Internet Banking on Monday, May 1st after your accounts have been transitioned to CMCU.

5

N e w M e m b e r C h e c k l i s t

We recognize that change can sometimes be overwhelming. So, we’ve put together a checklist of items and tasks that can help you through this change. The items in green are the most important tasks for you to address.

B E F O R E M AY 1 S T

Save your online banking account history. Starting at 5pm on Friday, April 28th, CCCU online banking will no longer be available and your account history will not carry over to CMCU internet banking. If you choose to keep this information, please save it accordingly prior to April 28th.

A F T E R M AY 1 S T

Update your direct deposit information with your employer, social security, or any other companies who directly deposit money into your account. Your routing and account number are listed in the new account number letter sent separately.

Look out for important documents in the mail during the month of April. Some of these mailings may not apply to you. If you do not receive any of these items in the mail and you feel you should have received it, please contact CMCU on or after May 1st.

Account Numbers

CMCU Debit Card

Debit Card Pin Number

Update automated bill payments to your new account. This includes payments that use a direct payment from your checking account or with your debit card.

Activate your CMCU debit card. If you have not already activated your new CMCU debit card, call the Visa number listed on the debit card to activate it.

Make loan payments and deposits payable to Central Minnesota Credit Union. Student loan and credit card payments remain the same and do not change.

Enroll in CMCU Internet Banking. Go to mycmcu.org and click on “Enroll” by the Internet Banking login to get started. Setup instructions are on page 10.

Enroll in CMCU Mobile Banking. Download the mobile app from the Apple App Store or Google Play Store for your phone or tablet. Setup instructions are on page 11.

Monitor automatic transfers. Your CCCU automatic transfers should continue to function normally after the merger, just monitor for the first month to ensure accuracy.

Order FREE CMCU checks. During the month of May, receive a free box of checks by visiting a CMCU branch or calling (888) 330-8482. Discontinue using CCCU checks as soon as you receive your CMCU checks.

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F r e q u e n t l y A s k e d Q u e s t i o n s

G E N E R A L Q U E S T I O N S

Why is Central Minnesota Credit Union the best choice?CMCU is a well-managed, strong financial institution with $970 Million dollars in assets. CMCU shares similar values to CCCU with a members-first approach to banking. CMCU has also been a strong supporter of the College of Saint Benedict and Saint John’s University. CMCU provides a host of branches throughout Central Minnesota including locations in Saint Joseph, Avon, Albany, and Cold Spring. CMCU serves local communities by investing money and volunteering time with local organizations. Central Minnesota Credit Union is committed to enhancing the lives and communities for all within our field of membership.

How will this merger benefit CCCU Members?CCCU members will now have access to a wider array of financial products and services, including in-house real estate loans, mobile banking, financial advisors, business accounts, mobile check deposit, and diverse checking and savings accounts. Members may also enjoy lower loan rates, higher dividend rates, and lower fees. In addition, members will now have access to 17 additional branches throughout Central Minnesota and a larger field of membership that includes 18 counties in Minnesota and North Dakota.

So, when we merge with CMCU, what can we expect?Central Minnesota Credit Union has a lot of experience successfully merging with other organizations. In the past 6 years, CMCU has successfully merged with 4 other financial institutions and are experienced with making the transition as simple and seamless as possible for members.

When is it official?The merger will be official on May 1, 2017. All CCCU member accounts will be automatically converted to CMCU on this date.

Will the name change?Yes. As of May 1st, Collegeville Community Credit Union will change its name to Central Minnesota Credit Union.

Will my accounts still be insured?Yes. Your accounts will remain safe and secure and will be federally insured up to $250,000 by the National Credit Union Share Insurance Fund. (NCUSIF)

Will my privacy and security continue to be protected?Yes. At CMCU, your privacy will continue to be protected. There is a Privacy Statement enclosed in this Welcome Packet with more information.

Will the CCCU branches remain open?Both the Fruit Farm Road location and the Sexton Commons location will remain open. The Fruit Farm Road branch’s hours will continue to remain the same as they are today. Sexton Commons branch’s hours will change to Monday-Friday 10am-4pm.

7

What will happen with the Collegeville branch staff? The employees of Collegeville Community Credit Union will have the opportunity to apply to be part of the CMCU team. CMCU provides a competitive compensation and benefits package and is an award-winning workplace. CMCU is working with CCCU employees to discuss job opportunities.

Will I still be able to access the Shared Branch Network?No, the Shared Branch Network will no longer be available to members. However, CMCU has 17 branches and the MoneyPass® ATM network that all members can utilize.

D I R E C T D E P O S I T S A N D A U T O M AT I C PAY M E N T S

What will happen to my direct deposit and automatic payments?You will need to notify your employer or source of funds that your account number and routing number changed effective May 1, 2017. CMCU will continue to process deposits and payments to ensure there is no interruption in service.

Will there be a new Routing Number?Yes, CMCU’s routing number is 291974204.

I have automatic transfers between my CCCU accounts, will these remain in force?CMCU is working to convert all internal transfers. Please watch your account to ensure the transfers are working properly after May 1, 2017.

A C C O U N T A C C E S S

Can I still use my CCCU Online Banking? CCCU Online Banking will be shut down at 5pm on Friday, April 28th. On May 1, 2017, you will be able to set up your new CMCU Internet Banking account. Setup instructions are on page 10.

Can I still use my CCCU Online Banking Bill Payer? April 26th is the last day you will be able to set up and process bills with CCCU Online Banking. You should not schedule bill pay items to be processed (or are due) after April 26, 2017. After you set up your new CMCU Internet Banking, you will be able to use the CMCU Online Bill Payer to schedule payments for bills.

Are there ATM locations that are available for cash withdrawals and no fee?The ATMs at the Sexton and Quad locations will remain open and available free of charge to members. CMCU offers 23 ATMs at their branches and surrounding locations in addition to the CCCU ATMs. CMCU also utilizes the MoneyPass® Network which has fee-free ATM locations throughout the nation. To find an ATM nearest you, access the MoneyPass map on the CMCU Mobile App, or via our website: mycmcu.org/atm.

F r e q u e n t l y A s k e d Q u e s t i o n s ( c o n t i n u e d )

8

D E P O S I T A C C O U N T S

Will I get a new member number?Yes. You should be receiving your account number via mail after April 10th. If you are a current member of CMCU, you are welcome to combine your accounts together by transferring your funds over to your CMCU account. You can do this via online banking, by speaking with a contact center representative, or by stopping into one of our locations prior to May 1st.

Will my share, checking or savings accounts change?CMCU’s deposit accounts are very similar to CCCU’s, but they are not exactly the same. Please view the transition chart on page 9 and the products and services available on pages 12-15.

I still have CCCU checks left, can I continue to use them or do I need to order new checks?You can continue to use your CCCU checks for a limited time. You can receive a free box of CMCU checks when you order them May 1 – 31, 2017. You need to order these checks by calling (888) 330-8482 or by visiting a CMCU branch. Once you receive your new CMCU checks, immediately discontinue using the CCCU checks and destroy them. You may also bring your old CCCU checks to a CMCU branch location to be destroyed.

Will my CCCU debit card work?Your CCCU debit card will continue to work until midnight on April 30, 2017. Starting May 1, 2017, your CCCU debit card will no longer work and you will need to activate and begin using your CMCU debit card which will be automatically mailed to you approximately 7-14 days prior to the merger (May 1, 2017). Please destroy your CCCU debit card on May 1st.

What will happen with my certificate accounts?All CCCU certificates will automatically transfer over to Central Minnesota Credit Union on May 1, 2017. Your certificates will continue to earn the same annual percentage yield until maturity.

What will happen with my CCCU Overdraft Protection?Your Overdraft Protection service will automatically transfer to your CMCU accounts on May 1st.

Will I still receive CCCU dividends?All CCCU dividends will be paid current on April 30, 2017 and will appear on your final CCCU statement at this time.

L O A N S A N D C R E D I T C A R D S

Will my current loan ID remain the same?Yes, your loan ID will remain the same as it is today.

What will happen to my current CCCU loan?Personal, auto, recreational vehicle, and mortgage CCCU loans will transfer to CMCU with the same terms on May 1, 2016. Your annual percentage rate and monthly payment will remain the same until the loan is paid off or refinanced. You will need to start making payments to Central Minnesota Credit

F r e q u e n t l y A s k e d Q u e s t i o n s ( c o n t i n u e d )

9

Union for your loans beginning May 1, 2017. You can pay your loan by one of these methods:· CMCU Internet Banking: Enrollment instructions on page 10.· CMCU Mobile App: Enrollment instructions on page 11.· Phone: (888) 330-8482 Pay with a debit card or CMCU account transfer.· Mail: PO Box 5577, Collegeville, MN 56321. Please include your Account # and Loan ID. You will not receive a payment receipt by mail but you can verify the transaction on Internet Banking.

· In-Branch: Any CMCU location including the Fruit Farm Road and Sexton branches.

What will happen to my GAP on my loan?GAP (Guaranteed Auto Protection) coverage from CCCU will be honored at CMCU and there are no changes to your current policies.

What will happen to my current Home Equity Line of Credit (HELOC)?HELOC accounts will have changes in terms and you will be receiving a Change in Terms letter in the mail outlining your new HELOC terms. If you have additional questions in regards to your loan or HELOC, please contact a member of Retail Servicing: (888) 330-8482 extension 1194.

What will happen to my current CCCU student loan?Student loan terms will remain provided by Lend Key and terms/payments will be the same. After the merger, continue to make your payments as you do today.

Will my Visa credit card still work?Yes, your credit card will remain open and active. You can continue to make payments as you have in the past. The payment link will also be active on CMCU’s website after the merger (May 1). At this time, you will not be receiving a replacement credit card.

F r e q u e n t l y A s k e d Q u e s t i o n s ( c o n t i n u e d )

CCCU CMCU

SavingsDeposit Savings Money Market

Youth Savings Little Scholars Savings

Checking Share Draft (Checking) Free Checking

Deposits

Traditional IRA Traditional IRA

Roth IRA Roth IRA

IRA Certificate IRA Certificate (same terms)

Certificate Certificate (same terms)

Are you curious how your CCCU accounts will transition to Central Minnesota Credit Union accounts? Check out the chart below to view the products your accounts will become on May 1, 2017. More information about these accounts can be found on pages 12-15 or online at mycmcu.org

P r o d u c t s & S e r v i c e s Tr a n s i t i o n

10

H o w t o : E n r o l l i n I n t e r n e t B a n k i n g

2. Enter the required information and click “Submit Enrollment”

1. On the CMCU homepage mycmcu.org click on “Enroll”

3. Click “here” to continue with the login process (This will take you to the login screen)

4. Enter the Username and click “Login.” Then enter the temporary password you just created and click “Login.”

5. The next page will include disclosures. Read and then click “I Accept.”

6. Review the online profile and click “Continue.” No changes are allowed on this page, however changes can be made under the Address Change page within the Internet Banking.

7. Click “OK” on the pop-up message.

8. Enter the temporary password you just created in the “Old Password “ field. Then create a new password and confirm the new password. Click “Submit.” Click “OK” to accept the password change on the pop-up message. You will now have access to your account(s).

Helpful Tip!

Enroll in electronic documents to save paper and help the environment! You can receive your account statements, notices, and tax documents electronically through Internet Banking.

After logging into your Internet Banking account, click on “Statement/Notice Delivery” in the left navigation menu. Then select which documents you would like to start receiving electronically.

11

H o w t o : E n r o l l i n M o b i l e A p p

6. Return to the CMCU app. Enter your Username and Password. Click “Sign On” to log into your new account.

Helpful Tip!

Be in complete control of your debit and credit cards! You have the ability to change your daily card limit, schedule your travels, mark your cards as lost or stolen, and reorder a card if you need a replacement.

Just tap on Card Controls after logging on to the app to get started!

1. Download App (Search “CMCU” in the respective app store):

2. Open the app, scroll to the bottom and click “Enroll.”

3. Type in account number, primary account holder’s SSN, and last name. Click “Enroll” to continue.

4. Retrieve the enrollment code from your email. Switch back to the web browser and enter the enrollment code. Click “Confirm” to continue.

5. Create and type in new username and password. Click “Register” to confirm your new login.

If you are interested in using Mobile Deposit (deposit your checks remotely with the app), please contact CMCU to sign up: (888) 330-8482

12

Products and services centered on you.We work hard to provide our members with competitive products and services. The following pages include information about our consumer products. Please contact us or go online at mycmcu.org to learn more about these and additional products and services.

13

Free Relationship eCheckingMinimum Balance $0 $0 $0

Earns Dividends1 No Yes Yes

Number of Check Clearings2 Unlimited 15 4

Debit Card Optional Optional Required

ATM Surcharge reimbursement3 No No Up to $12/mo

Internet Banking & eStatements4 Optional Optional Required

Mobile Deposit $1 per item $0.50 per item Free

Ready Reserve (annual fee) $20 Free Free

Safe Deposit Box Discount5 No Yes No

Gift Card Activation Fee No Yes No

First Box of Checks Free6 No Yes No

1. Dividends are calculated daily compound monthly.2. $0.10 per item fee for checks cleared in excess of stated amount. For

relationship checking account, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.

3. Surcharge reimbursement at non-CMCU network ATMs waived if account requirements are not met.

4. $5 fee if not enrolled in eStatement, includes undeliverable eStatements of if account does not have a debit card.5. Reduce fee $5 annually if enrolled for auto payment6. CMCU standard check style, other styles available at member expense.

Available only at account opening.

“On-the-Go” Services

Mobile App Take care of your finances anywhere on your smart phone. Download the free app from Google Play or Apple iTunes!

Mobile Check Deposit Deposit checks anytime, anywhere using your Mobile App.

ATM Network Quickly access your cash at one of over 24,000 surcharge-free ATM machines. See the MoneyPass® locater map through the CMCU Mobile Banking App.

Checking Accounts

eAlerts Receive an email or text notification when your account goes below a certain balance, when deposits or large withdrawals occur and more!

Digital Wallet Use Apple Pay, Samsung Pay, or Android Pay and your favorite Visa card to pay the easy, secure and private way at many participating stores and apps.

When you see this: that means you can apply for that account or enroll in that service totally online!

C M C U P r o d u c t s & S e r v i c e s

14

Savings Accounts

Savings Money Market Youth Club My Goal SavingsHealth Savings Account (HSA)

DescriptionSimple savings account fit for

everyone

Tiered Account

Competitive rates

0-19 year old

Kids receive incentives to save money

Conveniently save for a life event or goal

One year maturity date

Save for future qualified medical expenses while earning tax-free

dividends

Earns Dividends

Yes Yes YesYes - Higher than a

savings!Yes

Minimum Balance

None$2,500 (original)

None

Min. Deposit: $5/wk · $20/mo

Max. Deposit:$100/wk $400/mo

None

Fees None None None Early withdrawal Yes - Contact us

for current fee

Benefits

Easy and convenient way to save money

Overdraft Protection

Earns a higher rate than savings

or checking

Overdraft Protection

Easy method to help kids save

money

Kids earn gifts as they save

Earn more by saving more to reach your

goal

Savings plan customized to your

budget

You own the account; no “use it

or lose it”

You control how funds are spent

Internet Banking Securely access your accounts via your web browser at any time.

Online Bill Payer View, manage and pay all your bills online with CMCU’s secure Bill Payer (through Internet and Mobile Banking). Set up a personalized payee list and schedule recurring payments to save time and stamps each month.

eStatements Access your account statements, tax forms, and notices securely online for free.

myFinance360 Integrate data from all financial accounts (including external accounts) to create a budget, generate spending reports, view your network, recent transactions and more!

Additional Electronic Services

Online Accounts and Loans Apply for new accounts and loans totally online! Simply log into your Internet Banking account and click on “Online Account Opening” in the left hand navigation menu.

15

Individual Retirement Account (IRA) Explore two great ways to save for retirement or a child’s education - an IRA Savings Account or IRA Certificate.

Overdraft Protection Protects you from overdraft fees with an automatic transfer from your savings.

Save-the-Change CMCU debit card purchase amounts are automatically rounded up to the next whole dollar amount and are transferred from checking into this account.

Certificates 3-60 month terms are available. These are automatically renewable.

Automatic Savings Plan Set up a customized reoccurring deposit from an internal or linked external source. Conveniently control the amount and when or how frequently funds transfer.

Additional Products/Services

Consumer LoansWhether you are in the market for a car, recreational vehicle, boat or snowmobile, CMCU is here to finance your purchase or refinance your existing loan.

Visa Credit Cards Our credit card rates are low and stay low. You’ll always get the same APR for purchase and cash advances.

Ready Reserve Line of credit used to prevent overdrawing your checking account. It automatically transfers money if funds are insufficient.

Fixed Rate Mortgage Lock in a great interest rate that won’t change during the entire life of the loan.

Adjustable Rate Mortgage Your interest rate and monthly principal and interest (P&I) payments remain the same for an initial period of 1, 3, 5, or 7 years, then adjusts annually. May provide flexibility if you expect future income growth or if you plan to move or refinance within a few years.

Mortgage Loan Programs · Rural Development · Land Loan· MN Housing Finance Agency Fix-up Fund · Federal Housing Administration Loan · Conventional Loan· Construction Loan· VA Loan· HomeReady® by Fannie Mae

Home Equity Loans Borrow against the equity in your home and use more funds for home improvements, a vacation and more!

· Home Equity Line of Credit: Revolving line of credit, special checks and online access

· Closed End Home Equity Loan: Receive funds all at once, flexible terms available

Lending Options

Home Loan Options

Personal Loans CMCU can help you finance additional expenses that may not fall under other loan categories, such as a vacation or unexpected expenses.

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© CUNAMUTUAL GROUP, 2011, ALL RIGHTS RESERVED DMNVZ0 (29357)-e

MEMEMBERSHIP AGREEMENT

AND DISCLOSURES

20 4th Ave SEMelrose, MN 56352PH: (888) 330-8482www.mycmcu.org

MEMBERSHIP AGREEMENTAND DISCLOSURES

MEMBERSHIP AND ACCOUNT AGREEMENT

DMNRN2 (D10089)-eCUNA Mutual Group 1993, 95, 96, 2000, 03-07, 09-11, 13 All Rights Reserved

This Agreement covers your rights and responsibilities concerning your accounts and the rights and responsibilities of the Credit Unionproviding this Agreement (Credit Union). In this Agreement, the words "you," "your," and "yours" mean anyone who signs an AccountCard, Account Change Card, or any other account opening document (Account Card), or for whom membership and/or servicerequests are approved through the Credit Union's online application and authentication process. The words "we," "us," and "our"mean the Credit Union. The word "account" means any one (1) or more share or other accounts you have with the Credit Union.

Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's onlineapplication and authentication process. By signing an Account Card or authenticating your request, each of you, jointly and severally,agree to the terms and conditions in this Agreement, and any Account Card, Funds Availability Policy Disclosure, Truth-in-SavingsDisclosure, Electronic Fund Transfers Agreement and Disclosure, Privacy Disclosure, or Account Receipt accompanying thisAgreement, the Credit Union's bylaws and policies, and any amendments to these documents from time to time that collectivelygovern your membership and accounts.

1. MEMBERSHIP ELIGIBILITY - To join the Credit Union, you must meet the membership requirements, including purchase andmaintenance of the minimum required share(s) ("membership share") as set forth in the Credit Union's bylaws. You authorize us tocheck your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verifyyour eligibility for the accounts and services you request.

2. INDIVIDUAL ACCOUNTS - An individual account is an account owned by one (1) member (individual, corporation, partnership,trust, or other organization) qualified for credit union membership. If the account owner dies, the interest passes, subject to applicablelaw, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of thisAgreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of anowner's death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights.

3. JOINT ACCOUNTS - A joint account is an account owned by two (2) or more persons.

a. Rights of Survivorship. For a joint account with rights of survivorship, you intend and agree that the balance in the account, uponthe death of any party to the account, shall belong to the surviving party. If there are two (2) or more surviving parties, they shall takethe account as joint tenants. Unless otherwise stated on the Account Card or documented through the Credit Union's onlineapplication and authentication process, a joint account includes rights of survivorship. This means that when one (1) owner dies, allsums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner'sinterest passes to his or her estate. A surviving owner's interest is subject to the Credit Union's statutory lien for the deceasedowner's obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent toit.

b. Control of Joint Accounts. Any owner is authorized and deemed to act for any other owner(s) and may instruct us regardingtransactions and other account matters. Each owner guarantees the signature or authenticated request of any other owner(s). Anyowner may withdraw or transfer funds, pledge to us all or any part of the shares, or stop payment on items without the consent of theother owner(s). We have no duty to notify any owner(s) about any transaction. We reserve the right to require written consent of allowners for any change to or termination of an account. If we receive written notice of a dispute between owners or inconsistentinstructions from them, we may suspend or terminate the account and require a court order or written consent from all owners inorder to act.

c. Joint Account Owner Liability. If an item deposited in a joint account is returned unpaid, a joint account is overdrawn, or if we donot receive final payment on a transaction, the owners, jointly and severally, are liable to us for the amount of the returned item,overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner isindebted to us, we may enforce our rights against any account of the indebted owner, including all funds in the joint account,regardless of who contributed the funds.

4. POD/TRUST ACCOUNT DESIGNATIONS - A Payable on Death (POD) account or trust account designation is an instruction to theCredit Union that an individual or joint account so designated is payable to the owner(s) during his, her, or their lifetimes and, when thelast account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Upon the death of the last account owner, ifthere is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights ofsurvivorship. Any POD or trust beneficiary/payee designation shall not apply to Individual Retirement Accounts (IRAs). We are notobligated to notify any beneficiary/payee of the existence of any account nor the vesting of the beneficiary/payee's interest in anyaccount, except as otherwise provided by law. This paragraph does not apply to an account held on behalf of or in the name of a trust.

5. ACCOUNTS FOR MINORS - We may require any account established by a minor to be a joint account with an owner who hasreached the age of majority under state law and who shall be jointly and severally liable to us for any returned item, overdraft, orunpaid charges or amounts on such account. We may pay funds directly to the minor without regard to his or her minority. Unless aguardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquireabout the use or purpose of any transaction. We will not change the account status when the minor reaches the age of majority unlessthe change is authorized in writing by all account owners.

6. UNIFORM TRANSFERS TO MINORS ACCOUNT - A Uniform Transfers to Minors Account (UTMA) is an individual account createdby a custodian who deposits funds as an irrevocable gift to a minor. The minor to whom the gift is made is the beneficiary of thecustodial property in the account. The custodian has possession and control of the account for the exclusive right and benefit of theminor and, barring a court order otherwise, is the only party authorized to make deposits, withdrawals, or close the account. We haveno duty to inquire about the use or purpose of any transaction. If the custodian dies, we may suspend the account until we receiveinstructions from any person authorized by law to withdraw funds or a court order authorizing withdrawals. The account will terminateand be distributed in accordance with applicable law.

7. AGENCY DESIGNATION ON AN ACCOUNT - An agency designation on an account is an instruction to us that the ownerauthorizes another person to make transactions as agent for the account owner regarding the accounts designated. For an agencyaccount, you appoint the agent listed on the Account Card as your attorney-in-fact to deposit or withdraw funds held in the designatedaccount(s). An agent has no ownership interest in the account(s) or credit union voting rights. We have no duty to inquire about theuse or purpose of any transaction made by the agent.

8. DEPOSIT OF FUNDS REQUIREMENTS - Funds may be deposited to any account, in any manner approved by the Credit Union inaccordance with the requirements set forth in the Truth-in-Savings Disclosure. Deposits made by mail, at night depositories, or atunstaffed facilities are not our responsibility until we receive them. We reserve the right to refuse or to return any deposit.

a. Endorsements. We may accept transfers, checks, drafts, and other items for deposit into any of your accounts if they are madepayable to, or to the order of, one (1) or more account owners even if they are not endorsed by all payees. You authorize us to supplymissing endorsements of any owners if we choose. If a check, draft, or item that is payable to two (2) or more persons is ambiguousas to whether it is payable to either or both, we may process the check, draft, or item as though it is payable to either person. If aninsurance, government, or other check or draft requires an endorsement, we may require endorsement as set forth on the item.Endorsements must be made on the back of the check or draft within 1½ inches of the top edge, although we may acceptendorsements outside this space. However, any loss we incur from a delay or processing error resulting from an irregular endorsementor other markings by you or any prior endorser will be your responsibility.

b. Collection of Items. We act only as your agent and we are not responsible for handling items for deposit or collection beyond theexercise of ordinary care. We are not liable for the negligence of any correspondent or for loss in transit, and each correspondent willonly be liable for its own negligence. We may send any item for collection. Items drawn on an institution located outside the UnitedStates are handled on a collection basis only. You waive any notice of nonpayment, dishonor, or protest regarding items we purchaseor receive for credit or collection to your account. We reserve the right to pursue collection of previously dishonored items at any time,including giving a payor financial institution extra time beyond any midnight deadline limits.

c. Restrictive Legends. Some checks and drafts contain restrictive legends or similar limitations on the front of the item. Examples ofrestrictive legends include "two signatures required," "void after 60 days," and "not valid over $500.00." We are not liable forpayment of any check or draft contrary to a restrictive legend or other limitation contained in or on the item unless we have specificallyagreed in writing to the restriction or limitation.

d. Final Payment. All items or Automated Clearing House (ACH) transfers credited to your account are provisional until we receivefinal payment. If final payment is not received, we may charge your account for the amount of such items or ACH transfers andimpose a return item charge on your account. Any collection fees we incur may be charged to your account. We reserve the right torefuse or return any item or funds transfer.

e. Direct Deposits. We may offer preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or othergovernment checks) or preauthorized transfers from other accounts. You must authorize direct deposits or preauthorized transfers byfilling out a separate form. You must notify us at least 30 days in advance to cancel or change a direct deposit or transfer option. Ifyour account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits ofgovernment payments or benefits. If we are required to reimburse the U.S. Government for any benefit payment directly deposited intoyour account, we may deduct the amount returned from any of your accounts, unless prohibited by law.

f. Crediting of Deposits. Deposits made after the deposit cutoff time and deposits made on holidays or days other than our businessdays will be credited to your account on the next business day.

9. ACCOUNT ACCESS -

a. Authorized Signature. Your signature on the Account Card, or authentication and approval of your account, authorizes youraccount access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If youhave authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature, evenif it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have givenyour account information, even if you do not authorize a particular transaction.

b. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated tellermachine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check ordraft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have theright to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We may refuse to honora power of attorney if our refusal is conducted in accordance with applicable state law.

c. Credit Union Examination. We may disregard any information on any check or draft other than the signature of the drawer, theamount, and any magnetic encoding. You agree that we do not fail to exercise ordinary care in paying an item solely because ourprocedures do not provide for sight examination of items.

10. FUND TRANSFERS - Except as amended by this Agreement, electronic fund transfers we permit that are subject to Article 4A ofthe Uniform Commercial Code will be subject to such provisions of the Uniform Commercial Code as enacted by the state where themain office of the Credit Union is located. We may execute certain requests for an electronic fund transfer by Fedwire. Fedwiretransactions are subject to Federal Reserve Board Regulation J. You may order an electronic fund transfer to or from your account. Wewill debit your account for the amount of the electronic fund transfer and will charge your account for any fees related to the transfer.Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or from your account.We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicablefees exceeds the available funds in your account. We are not liable for errors, delays, interruptions, or transmission failures caused bythird parties or circumstances beyond our control, including mechanical, electronic, or equipment failure. We will not provide you withnext day notice of ACH transfers, wire transfers, and other electronic payments credited to your account. You will receive notice ofsuch credits on your account statements. You may contact us to determine whether a payment has been received. If we fail toproperly execute a payment order, and such action results in a delay in payment to you, we will pay you dividends or interest for theperiod of delay as required by applicable law. The dividends or interest paid to you will be based on the lowest nominal dividend orinterest rate we were paying on any account during that period. Payment orders we accept will be executed within a reasonable timeof receipt but may not necessarily be executed on the date they are received. Cutoff times may apply to the receipt, execution andprocessing of fund transfers, payment orders, cancellations, and amendments. If a request for a fund transfer, payment order,cancellation, or amendment is received after a cutoff time, it may be treated as having been received on the next fund transferbusiness day. Information about any cutoff times is available upon request. From time to time, we may need to suspend processing of

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a transaction for greater scrutiny or verification in accordance with applicable law, and this action may affect settlement or availabilityof the transaction. When you initiate a wire transfer, you may identify the recipient and any financial institution by name and byaccount or identifying number. The Credit Union and any other financial institutions facilitating the transfer may rely strictly on theaccount or identifying number, even if the number identifies a different person or financial institution. Any account owner may amendor cancel a payment order, even if that person did not initiate the order. We may refuse any request to amend or cancel a paymentorder that we believe will expose the Credit Union to liability or loss. Any request that we accept to amend or cancel a payment orderwill be processed within a reasonable time after it is received. You agree to hold us harmless from and indemnify us for all losses andexpenses resulting from any actual or attempted amendment or cancellation of a payment order. We may require you to follow asecurity procedure to execute a payment order or certain electronic fund transfer transactions. We will notify you of any such securityprocedures. Unless we permit you to establish a different security procedure, you agree that the security procedures contained in theCredit Union's policies, of which we have notified you, are commercially reasonable verification of payment orders and other electronicfund transfers. If we permit you to establish a different security procedure, you agree that procedure is a commercially reasonablemethod of verifying electronic funds transfers. If we conduct a remittance transfer(s) on your behalf acting as a remittance transferprovider, such transactions will be governed by 12 C.F.R. part 1005, subpart B-Requirements for remittance transfers. A "remittancetransfer" is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in aforeign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and willbe disclosed to you at the time such services are requested and rendered in accordance with applicable law.

11. ACCOUNT RATES AND FEES - We pay account earnings and assess fees against your account as set forth in the Truth-in-Savings Disclosure and Schedule of Fees and Charges. We may change the Truth-in-Savings Disclosure or Schedule of Fees andCharges at any time and will notify you as required by law.

12. TRANSACTION LIMITATIONS -

a. Withdrawal Restrictions. We will pay checks or drafts, permit withdrawals, and make transfers from available funds in youraccount. The availability of funds in your account may be delayed as described in our Funds Availability Policy Disclosure. We mayalso pay checks or drafts, permit withdrawals, and make transfers from your account from insufficient available funds if you haveestablished an overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy.

We may refuse to allow a withdrawal in some situations and will advise you accordingly if: (1) a legal garnishment or attachment isserved; (2) the account secures any obligation to us; (3) required documentation has not been presented; (4) you fail to repay a creditunion loan on time; or (5) any reason allowed by applicable law. We may require you to give written notice of seven (7) to sixty (60)days before any intended withdrawals.

b. Transfer Limitations. We may limit the dollar amount or the number of transfers from your account. Please consult yourTruth-in-Savings Disclosure or your Electronic Fund Transfers Agreement and Disclosure.

13. CERTIFICATE ACCOUNTS - Any time deposit, term share, share certificate, or certificate of deposit account allowed by state law(certificate account), whichever we offer, is subject to the terms of this Agreement, the Truth-in-Savings Disclosure, and the AccountReceipt for each account, the terms of which are incorporated herein by reference.

14. OVERDRAFTS -

a. Payment of Overdrafts. If, on any day, the available funds in your share or deposit account are not sufficient to pay the full amountof a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it,as described below. The Credit Union's determination of an insufficient available account balance may be made at any time betweenpresentation and the Credit Union's midnight deadline with only one review of the account required. We do not have to notify you ifyour account does not have sufficient available funds in order to pay an item. Your account may be subject to a charge for each itemregardless of whether we pay or return the item.

If we offer standard overdraft services, this service allows us to authorize payment for the following types of transactions regardlessof whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using yourchecking account, except as otherwise described below; (2) automatic bill payments; (3) ACH transactions. If you have established aservice linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from otheranother account of yours to cover an insufficient item, including transfers from a share or deposit account, an overdraft line-of-creditaccount, or other account you so designate. Services and fees for these transactions are shown in the document the Credit Unionuses to capture your affirmative consent and the Schedule of Fees and Charges.

Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency offunds in your account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we paythese items or impose a fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including thefee assessed by us, in accordance with our standard overdraft services or any other service you may have authorized with us, or ifyou do not have such protections with us, in accordance with any overdraft payment policy we have, as applicable.

b. Overdraft Tolerance.

Plan, Accounts and Transactions Covered, Limits and Fees: Overdraft Tolerance is a discretionary service that allows us to pay acheck written, online bill payment or ACH transaction to or through a third party on members checking account even if it causes theaccount to become overdrawn. Overdraft Tolerance may provide accountholders who meet certain eligibility requirements with theability to overdraw their checking account up to a predetermined amount including costs associated with this service as explainedbelow. When we pay an item under this program, we will charge the account our overdraft fee as stated in the current Fee Schedule.This fee will be included in calculating your Overdraft Tolerance limit, which is predetermined.

Limitations: Overdraft Tolerance is only available on eligible personal accounts held by persons, including joint account holders, at least21 years of age. Estate, Trust, HSA, MNUTMA, or other accounts with an appointed fiduciary are not eligible for Overdraft Tolerance.

Eligible Transaction Types: Each transaction/item initiated for payment against your checking account(s) may be processed by us usingyour assigned Overdraft Tolerance limit, including without limitation: Checks, ACH, and Online Banking Bill Payments.

Procedures: Before using Overdraft Tolerance we will first attempt to clear any item by using any specific contractual overdraftprotection plan(s) you have with us such as, overdraft from savings accounts and/or overdraft lines of credit. The Overdraft Toleranceprivilege is not an invitation to overdraw your account, but is intended as an added layer of safety should you accidentally writechecks for more than you have in your account, or an inadvertent error causes the account to become overdrawn. You should consultthe Credit Union regarding our formal overdraft services via your accounts or an overdraft line of credit, which may better serve yourneeds.

We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files.Each presentment file received typically contains a large amount of a specific type of item (check or ACH). It is common for each ofthese presentment files to contain multiple items to be processed against your particular account.

The Credit Union's Payment Is Discretionary: Overdraft Tolerance is not an entitlement, nor is it a loan. We will not pay any overdrafts(1) if all of your accounts are not maintained in good standing (2) to pay any loan or other obligation to the Credit Union (3) when anyaccount is subject to any lien, levy, claims or disputes (4) or when we have cause to believe that payment is not in the best interestsor may violate any laws or regulations. The Overdraft Tolerance program does not release you from your obligation to pay your debtsincluding any amount by which your accounts may be overdrawn.

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Your Obligation to Pay: If we pay an overdraft on an account with more than one owner, each owner is jointly and severally liable forsuch overdrafts and/or fees. The Credit Union reserves the right to apply any other or later deposits, including direct deposits(including deposits of Social Security or other government benefits), to pay your overdrafts or overdraft fees. Overdraft Tolerancedoes not affect or limit the Credit Union's other rights/options regarding NSF transactions under our other policies, procedures andapplicable laws. This service is designed to provide limited relief to members that inadvertently overdraw their checking account bypaying items that would otherwise be returned as insufficient funds. You should consult the Credit Union regarding opting out of thisservice.

c. Order of Payments. Checks, drafts, transactions, and other items may not be processed in the order that you make them or in theorder that we receive them. We may, at our discretion, pay a check, draft, or item, and execute other transactions on your account inany order we choose. The order in which we process checks, drafts, or items, and execute other transactions on your account mayaffect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how wepay checks or drafts and process transfers and withdrawals.

15. POSTDATED AND STALEDATED CHECKS OR DRAFTS - You agree not to issue any check or draft that is payable on a future date(postdated). If you do issue a check or draft that is postdated and we pay it before that date, you agree that we shall have no liabilityto you for such payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are notobligated to pay any check or draft drawn on your account that is presented more than six (6) months past its date.

16. STOP PAYMENT ORDERS -

a. Stop Payment Order Request. Any owner may request a stop payment order on any check or draft drawn on the owner's account.To be binding, the order must be in writing, dated and signed, and must accurately describe the check or draft, including the exactaccount number, the check or draft number, and the exact amount of the check or draft. This exact information is necessary for theCredit Union's computer to identify the check or draft. If we receive incorrect or incomplete information, we will not be responsible forfailing to stop payment on the check or draft. In addition, we must receive sufficient advance notice of the stop payment order toallow us a reasonable opportunity to act on it. If we recredit your account after paying a check or draft over a valid and timely stoppayment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payeeor other holders of the check or draft, and to assist us in any legal action.

b. Duration of Order. Oral stop payment orders for check or drafts will lapse within 14 calendar days unless confirmed in writingwithin that time. Written stop payment orders for checks or drafts are effective for six (6) months and may be renewed for additionalsix (6) month periods by requesting in writing that the stop payment order be renewed within a period during which the stop paymentorder is effective. We are not required to notify you when a stop payment order expires.

c. Liability. Fees for stop payment orders are set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges. You maynot stop payment on any certified check, cashier's check, teller's check, or any other check, draft, or payment guaranteed by us.Although payment of an item may be stopped, you may remain liable to any item holder, including us. You have the burden ofestablishing the fact and amount of loss resulting from the payment of an item contrary to a binding stop payment order. You agree toindemnify and hold the Credit Union harmless from all costs, including attorney's fees, damages, or claims related to our refusingpayment of an item, including claims of any joint account owner, payee, or endorsee in failing to stop payment of an item as a result ofincorrect information provided by you.

17. CREDIT UNION LIABILITY - If we do not properly complete a transaction according to this Agreement, we will be liable for yourlosses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if: (1) youraccount contains insufficient funds for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss iscaused by your or another financial institution's negligence; or (4) your account funds are subject to legal process or other claim. Wewill not be liable for consequential damages, except liability for wrongful dishonor. We exercise ordinary care if our actions ornonactions are consistent with applicable state law, Federal Reserve regulations and operating letters, clearinghouse rules, and generalfinancial institution practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to relyexclusively on the form of the account and the terms of this Agreement. Any conflict regarding what you and our employees say orwrite will be resolved by reference to this Agreement.

18. CHECKS OR DRAFTS PRESENTED FOR PAYMENT IN PERSON - We may refuse to accept any check or draft drawn on youraccount that is presented for payment in person. Such refusal shall not constitute a wrongful dishonor of the check or draft, and weshall have no liability for refusing payment. If we agree to cash a check or draft that is presented for payment in person, we mayrequire the presenter to pay a fee. Any applicable check or draft cashing fees are stated in the Schedule of Fees and Charges.

19. REMOTELY CREATED CHECKS OR DRAFTS - For purposes of this paragraph, "account" means a transaction account, creditaccount, or any other account on which checks or drafts may be drawn. A remotely created check or draft is a check or draft createdby someone other than the person on whose account the check or draft is drawn. A remotely created check or draft is generallycreated by a third party payee as authorized by the owner of the account on which the check or draft is drawn. Authorization isusually made over the telephone or through on-line communication. The owner of the account does not sign a remotely created checkor draft. In place of the owner's signature, the remotely created check or draft usually bears a statement that the owner authorized thecheck or draft or bears the owner's printed or typed name. If you authorize a third party to draw a remotely created check or draftagainst your account, you may not later revoke or change your authorization. It is your responsibility to resolve any authorizationissues directly with the third party. We are not required to credit your account and may charge against your account any remotelycreated check or draft for which the third party has proof of your authorization.

20. PLEDGE/STATUTORY LIEN - Unless prohibited by law, you pledge and grant as security for all obligations you may have now or inthe future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in allaccounts you have with us now and in the future. If you pledge a specific dollar amount in your account(s) for a loan, we will freezethe funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is arevolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law(depending upon whether we have a federal or state charter) gives us a lien on all shares and dividends and all deposits and interest, ifany, in accounts you have with us now and in the future. Except as limited by federal or state law, the statutory lien gives us the rightto apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise ourstatutory lien rights without further notice to you.

Your pledge and our statutory lien rights will allow us to apply the funds in your account(s) to what you owe when you are in default,except as limited by federal or state law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place anadministrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to theamount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any otheraccount that would lose special tax treatment under federal or state law if given as security. By not enforcing our right to apply fundsin your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time.

21. LEGAL PROCESS - If any legal action is brought against your account, we may pay out funds according to the terms of the actionor refuse any payout until the dispute is resolved, as permitted by law. Any expenses or attorney fees we incur responding to legalprocess may be charged against your account without notice, unless prohibited by law. Any legal process against your account issubject to our lien and security interest.

22. ACCOUNT INFORMATION - Upon request, we will give you the name and address of each agency from which we obtain a creditreport regarding your account. We agree not to disclose account information to third parties except when: (1) it is necessary tocomplete a transaction; (2) the third party seeks to verify the existence or condition of your account in accordance with applicable law;(3) such disclosure complies with the law or a government agency or court order; (4) you give us written permission; or (5) youguarantee a check or share draft by a third party.

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23. NOTICES -

a. Name or Address Changes. You are responsible for notifying us of any name or address change. The Credit Union is onlyrequired to attempt to communicate with you at the most recent address you have provided to us. We may require all name andaddress changes to be provided in writing. If we attempt to locate you, we may impose a service fee as set forth in theTruth-in-Savings Disclosure or Schedule of Fees and Charges.

b. Notice of Amendments. Except as prohibited by applicable law, we may change the terms of this Agreement at any time. We willnotify you of any change in terms, rates, or fees as required by law. We reserve the right to waive any terms of this Agreement. Anysuch waiver shall not affect our right to future enforcement.

c. Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effectivewhen it is deposited in the U.S. mail, postage prepaid, and addressed to you at your statement mailing address. Notice to any accountowner is considered notice to all account owners.

d. Electronic Notices. If you have agreed to receive notices electronically, we may send you notices electronically and discontinuemailing paper notices to you until you notify us that you wish to reinstate receiving paper notices.

24. TAXPAYER IDENTIFICATION NUMBER AND BACKUP WITHHOLDING - Your failure to furnish a correct Taxpayer IdentificationNumber (TIN) or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we mustwithhold and pay to the Internal Revenue Service (IRS) a percentage of dividends, interest, and certain other payments. If you fail toprovide your TIN, we may suspend opening your account.

25. STATEMENTS -

a. Contents. If we provide a periodic statement for your account, you will receive a periodic statement of transactions and activity onyour account during the statement period as required by applicable law. If a periodic statement is provided, you agree that only one (1)statement is necessary for joint accounts. For share draft or checking accounts, you understand and agree that your original check ordraft, when paid, becomes property of the Credit Union and may not be returned to you, but copies of the check or draft may beretained by us or by payable-through financial institutions and may be made available upon your request. You understand and agreethat statements are made available to you on the date they are sent to you. You also understand and agree that checks, drafts, orcopies thereof are made available to you on the date the statement is sent to you, even if the checks or drafts do not accompany thestatement.

b. Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us. Ifyou fail to report any irregularities such as forged, altered, unauthorized, unsigned, or otherwise fraudulent items drawn on youraccount, erroneous payments or transactions, or other discrepancies reflected on your statement within 33 days of the date we sentthe statement to you, we will not be responsible for your loss. We also will not be liable for any items that are forged or altered in amanner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.

c. Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility toexamine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, andwe will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit fornotifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularlyreceive a statement.

26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions overa period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive ordormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Scheduleof Fees and Charges, for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your lastknown address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To theextent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further accountstatements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you withinthe period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported andremitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for suchfunds, and if you choose to reclaim such funds, you must apply to the appropriate state agency.

27. SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, will, or court-ordered accountarrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement mostappropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we believemight expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow yourinstructions or may require you to indemnify us or post a bond or provide us with other protection. We may require that accountchanges requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed AccountChange Card or other document which evidences a change to an account and accepted by us.

28. TERMINATION OF ACCOUNT - We may terminate your account at any time without notice to you or may require you to close youraccount and apply for a new account if: (1) there is a change in owners or authorized signers; (2) there has been a forgery or fraudreported or committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the account;(4) any checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan;(6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) we reasonably deem it necessary toprevent a loss to us. You may terminate an individual account by giving written notice. We reserve the right to require the consent ofall owners to terminate a joint account. We are not responsible for payment of any check, draft, withdrawal, transaction, or other itemafter your account is terminated; however, if we pay an item after termination, you agree to reimburse us.

29. TERMINATION OF MEMBERSHIP - You may terminate your membership by giving us written notice or by withdrawing yourminimum required membership share(s), if any, and closing all your accounts. You may be denied services for causing a loss to theCredit Union, or you may be expelled for any reason as allowed by applicable law.

30. DEATH OF ACCOUNT OWNER - We may continue to honor all transfer orders, withdrawals, deposits, and other transactions on anaccount until we know of a member's death. Once we know of a member's death, we may pay checks or drafts or honor otherpayments or transfer orders authorized by the deceased member for a period of ten (10) days after that date unless we receiveinstructions from any person claiming an interest in the account to stop payment on the checks, drafts, or other items. We may requireanyone claiming a deceased owner's account funds to indemnify us for any losses resulting from our honoring that claim. ThisAgreement will be binding upon any heirs or legal representatives of any account owner.

31. UNLAWFUL INTERNET GAMBLING AND OTHER ILLEGAL ACTIVITIES - You agree that you are not engaged in unlawful Internetgambling or any other illegal activity. You agree that you will not use any of your accounts, access devices or services for unlawfulInternet gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling orother illegal activities.

32. SEVERABILITY - If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreementshall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are notto be construed as part of the Agreement.

33. ENFORCEMENT - You are liable to us for any losses, costs, or expenses we incur resulting from your failure to follow thisAgreement. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we bringa legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, topayment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgmentcollection actions.

34. GOVERNING LAW - This Agreement is governed by the Credit Union's bylaws, federal laws and regulations, the laws, includingapplicable principles of contract law, and regulations of the state in which the Credit Union's main office is located, and localclearinghouse rules, as amended from time to time. As permitted by applicable law, you agree that any legal action regarding thisAgreement shall be brought in the county in which the Credit Union is located.

35. NEGATIVE INFORMATION NOTICE - We may report information about your loan, share, or deposit accounts to credit bureaus. Latepayments, missed payments, or other defaults on your accounts may be reflected in your credit report.

DMNRN2 (D10089)-e

Effective 05-12-2016

FEE SCHEDULE Services

• Overdraft or Non Sufficient Funds Fee $25.00 each

(By check, ACH, ATM withdrawal or other electronic means)

• Stop Payment $25.00 / item

• Returned Statement/Notice Fee $5.00 per postal return including forwarding notification

• Account Research/Reconciliation $20.00 / hour

• Returned Deposit $3.00 / item

• Mobile Deposit Fee up to $1.00 / item1

• Collection Item $5.00 / item

• Garnishments/Levies $50.00 /item

• Cashier Check Fee $5.00 each

• Money Order Fee $2.00 each

• Dormant Account Check Cashing Fee $5.00 each5

• Wire Transfer Origination $15.00 / Domestic Transfer

$45.00 / Foreign Transfer

Incoming Wire Transfer $5.00 each

• Fax Service $.10 per page $2.50 min

• Copies of Statements/Checks $1.50 each

• Gift Card Activation $2.00 each

• Foreign Check $10.00 / item

Inactive Account Fee $5.00 / month2

Abandoned Account Fee $50.00 / account3

• Safe Deposit Box Rentals (Annual)

3 x 5 $15.00

3 x 10 $25.00

5 x 5 $20.00

5 x 10 $35.00

10 x 10 $60.00

Share Accounts

• My Goal Savings Early Withdrawal Fee $10.00

• Certificates of Deposit: Minimum Deposit and Early Withdrawal Penalties Apply

Electronic Transfers in Excess of 6/month (Fed Reg D) $5.00 each

Checking Accounts

• Check Printing Prices Vary by Style

• Checks Returned w/ Statement $10.00 / statement5

• Health Savings Account $3.00 / month

• eChecking $5.00 / month4

• See Business Checking Account Packages document for checking program details including monthly maintenance fees if applicable.

Electronic Funds Transfers

• Debit/Credit Card or PIN Replacement $5.00 each

1 Mobile Deposit Fee is $1 per item for Free Checking, $.50 per item for Relationship Checking and waived for eChecking. 2 Inactive for 365 days or greater with a balance of less than $50.00, excluding members 21 years of age or younger. 3A processing fee for abandoned property submitted to the state. 4 Fee waived if account is enrolled in eStatements and has a Debit Card. 5 Subject to CMCU staff approval.

Central Minnesota Credit Union reserves the right to amend this Fee Schedule from time to time.

© CUNA Mutual Group, 1993, 2007, ALL RIGHTS RESERVED DMNRL1 (510024)-e

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE For Consumer Accounts Only

This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (“EFT”) services offered to you by Central Minnesota Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one (1) or more savings and checking accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. 1. EFT SERVICES — If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union. a. ATM Card. If approved, you may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, VISA, PLUS, and Interlink networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to: • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings and checking accounts. • Obtain balance information for your savings and checking accounts. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or

services at POS terminals that carry VISA, PLUS, Interlink network logo(s). The following limitations on the frequency and amount of ATM transactions may apply: • There is no limit on the number of cash withdrawals you may make in any one (1) day. • You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. • There is no limit on the number of POS transactions you may make in any one (1) day. • You may purchase up to a maximum of $500.00 from POS terminals per day, if there are sufficient funds in your

account. • You may transfer up to the available balance in your accounts at the time of the transfer. • The customary amount of time needed to complete an ATM transaction and have the transaction posted to your

account is two (2) business days. • The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to

your account is two (2) business day(s). • See Section 2 for transfer limitations that may apply to these transactions. b. VISA Check Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. For transactions other than ATM and one-time debit card transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, VISA, PLUS, and Interlink networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings and checking accounts. • Obtain balance information for your savings and checking accounts. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or

services at merchants that accept VISA.

DMNRL1 (510024)-e

• Order goods or services by mail or telephone from places that accept VISA. The following limitations on the frequency and amount of VISA Check Card transactions may apply: • There is no limit on the number of VISA Check Card purchases you make per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $1,500.00 per day. • You may purchase up to a maximum of $1,500.00 per debit card purchase. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds

in your account. • There is no limit on the number of POS transactions you may make in any one (1) day. • You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient funds in your

account. • You may transfer up to the available balance in your accounts at the time of the transfer. • The customary amount of time needed to make a VISA Check Card purchase at a merchant facility and have the

transaction posted to your account is two (2) business day(s). • The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to

your account is two (2) business day(s). • See Section 2 for transfer limitations that may apply to these transactions. c. Phone Banking (Audio Response). If we approve the Phone Banking audio response access service for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use the audio response access service to: • Transfer funds from your savings and checking accounts. • Obtain balance information for your savings, checking and loan accounts. • Access your Ready Reserve, Home Equity Line of Credit, and Instant Credit account. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Review account history. Your accounts can be accessed under the Phone Banking audio response service via a touch tone telephone only. Phone Banking service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call. d. Preauthorized EFTs. • Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions,

the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your savings and/or checking account.

• Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your savings and checking account.

• See Section 2 for transfer limitations that may apply to these transactions. • Stop Payment Rights. If you have arranged in advance to make electronic fund transfers out of your account(s) for

money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made. A stop payment request for preauthorized Electronic Fund Transfers will apply to all subsequent transfers, unless you withdraw the request.

• Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

DMNRL1 (510024)-e

• Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

e. Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. f. Internet Banking Electronic/PC EFTs. If we approve the Internet Banking electronic/PC access service for your accounts, a separate password will be assigned to you. You must use your password along with your account number to access your accounts. At the present time, you may use the Internet Banking access service to: • Withdraw funds by check from your savings and checking accounts. • Transfer funds from your checking and savings accounts to open a new share certificate. • Transfer funds from your savings and checking accounts. • Obtain balance information for your savings, checking, and loan accounts. • Make loan payments from your savings and checking accounts. • Access your Ready Reserve, Instant Credit, and Home Equity Line of Credit account. Your accounts can be accessed under the Internet Banking electronic/PC access service via personal computer. Internet Banking service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access. • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Maximum withdrawal by check of $10,000.00. • See Section 2 for transfer limitations that may apply to these transactions. g. Bill Payer (Bill Payments). We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking account for bill payment transfer by the designated cut-off time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you are scheduled for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. • There is no limit on the number of bill payments per day. • Maximum withdrawal/transfer of $30,000.00. 2. TRANSFER LIMITATIONS — For all share, savings, Holiday Club, Little Scholars, Boom!, Money Market, Save the Change, and IRA accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. 3. CONDITIONS OF EFT SERVICES — a. Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person. b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund. c. Foreign Transactions. VISA. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate

DMNRL1 (510024)-e

selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash withdrawals and credits to your account. A fee of 0.80% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. d. Security of Access Code. You may use one (1) or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately. e. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings and checking accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. f. Reversal of Transactions. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. Use of the Card, the account number on the Card, the access code, or any combination of the three for payments, purchases, or to obtain cash from merchants, financial institutions, or others who honor the Card is an order by you for the withdrawal of the amount of the transaction from your account. Each transaction with the Card will be charged to your account on the date the transaction is posted to your account. Use of the Card is subject to the terms and conditions of your account, and any future changes to your account may affect your use of the Card. 4. FEES AND CHARGES — There are certain fees and charges for electronic funds transfer services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry. 5. LIABILITY FOR UNAUTHORIZED TRANSACTIONS — You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe your Card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and was either a VISA or Interlink transaction, you will have no liability for the transaction unless you were grossly negligent in the handling of your Card. The Credit Union will be liable for unauthorized withdrawals at ATMs, unless the unauthorized withdrawal was due to the loss or theft of your Card, in which case you will be liable for the withdrawal up to $50.00, provided you notify us of the loss or theft of your Card within sixty (60) days of receipt of the first statement showing the unauthorized withdrawal. Also, if your statement shows transfers with your Card or Card number that you did not make including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend

DMNRL1 (510024)-e

the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (888) 330-8482 or write to: Central Minnesota Credit Union 20 South Fourth Avenue East Melrose, MN 56352-0010 Fax: (320) 256-4532 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. 6. RIGHT TO RECEIVE DOCUMENTATION — a. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debit Card transactions, audio response transactions, preauthorized EFTs, electronic/PC transactions or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no electronic transaction in a particular month. In any case, you will receive a statement at least quarterly. b. Terminal Receipt. You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point-of-sale (POS) terminal. c. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (888) 330-8482. This does not apply to transactions occurring outside the United States. 7. ACCOUNT INFORMATION DISCLOSURE — We will disclose information to third parties about your account or the transfers you make: • As necessary to complete transfers; • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a

credit bureau or merchant; • If your account is eligible for emergency cash and/or emergency card replacement services, and you request such

services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s);

• To comply with government agency or court orders; or • If you give us your written permission. 8. BUSINESS DAYS — Our business days are Monday through Saturday, excluding holidays. 9. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS — If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events: • If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your

accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.

• If you used your Card or access code in an incorrect manner. • If the ATM where you are making the transfer does not have enough cash. • If the ATM was not working properly and you knew about the problem when you started the transaction. • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the money in your account is subject to legal process or other claim. • If funds in your account are pledged as collateral or frozen because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any

EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working

properly and you know or should have known about the breakdown when you started the transaction. • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill

payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors.

• Any other exceptions as established by the Credit Union.

DMNRL1 (510024)-e

10. NOTICES — All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM) and night deposit facilities: • Be aware of your surroundings, particularly at night. • Consider having someone accompany you when the ATM or night deposit facility is used after dark. • If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you

complete your transaction. • Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place

your money in your purse or wallet. Count the cash later in the safety of your car or home. • If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit

facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.

• If you are followed after making a transaction, go to the nearest public area where people are located. • Do not write your personal identification number or code on your ATM Card. • Report all crimes to law enforcement officials immediately. 11. BILLING ERRORS — In case of errors or questions about electronic funds transfers from your savings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Call us at: (888) 330-8482 or write to: Central Minnesota Credit Union 20 South Fourth Avenue East Melrose, MN 56352-0010 Fax: (320) 256-4532 • Tell us your name and account number. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit

Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate. NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days. 12. TERMINATION OF EFT SERVICES — You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify

DMNRL1 (510024)-e

any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination. 13. GOVERNING LAW — This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Minnesota and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located. 14. ENFORCEMENT — You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions. You may bring a civil action against any person violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500.00, whichever is greater, and punitive damages, together with court costs and reasonable attorney’s fees incurred.

© C

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RJ7

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TRU

TH-IN

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DIS

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FEC

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DA

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Th

e ra

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fees

and

term

s ap

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able

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our a

ccou

nt a

t the

Cre

dit U

nion

are

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vide

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this

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th-in

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r oth

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acc

ount

s fr

om ti

me

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RA

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NG

S A

CC

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AN

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CC

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AC

CO

UN

T TY

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DIV

IDEN

DS

BA

LAN

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REQ

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AC

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T LI

MIT

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S

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iden

d R

ate/

A

nnua

l Pe

rcen

tage

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eld

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)

Div

iden

ds

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poun

ded

Div

iden

ds

Cre

dite

d D

ivid

end

Pe

riod

Min

imum

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peni

ng

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osit

Min

imum

B

alan

ce to

Ea

rn th

e St

ated

APY

Bal

ance

M

etho

d to

Cal

cula

te

Div

iden

ds

See

Para

grap

h 6

Sh

are

/

Mon

thly

M

onth

ly

Mon

thly

(Cal

enda

r)

$5.0

0 $5

.00

Dai

ly B

alan

ce

Acc

ount

tran

sfer

and

with

draw

al

limita

tions

app

ly.

Sa

ving

s

/

M

onth

ly

Mon

thly

M

onth

ly (C

alen

dar)

--

- --

- D

aily

Bal

ance

A

ccou

nt tr

ansf

er a

nd w

ithdr

awal

lim

itatio

ns a

pply

.

M

y G

oal S

avin

gs

/

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onth

ly

Mon

thly

M

onth

ly (C

alen

dar)

$5

.00

---

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ly B

alan

ce

Acc

ount

tran

sfer

and

with

draw

al

limita

tions

app

ly.

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ttle

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lars

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m!

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onth

ly

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thly

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onth

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dar)

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aily

Bal

ance

A

ccou

nt tr

ansf

er a

nd w

ithdr

awal

lim

itatio

ns a

pply

.

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ey M

arke

t

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thly

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onth

ly

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thly

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enda

r)

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- D

aily

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ance

A

ccou

nt tr

ansf

er a

nd w

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awal

lim

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---

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.

D

MN

RJ7

(D37

003)

-e

AC

CO

UN

T D

ISC

LOSU

RES

Exce

pt

as

spec

ifica

lly

desc

ribed

, th

e fo

llow

ing

disc

losu

res

appl

y to

al

l of

th

e ac

coun

ts.

All

acco

unts

de

scrib

ed

in

this

Tr

uth-

in-S

avin

gs

Dis

clos

ure

are

shar

e ac

coun

ts.

1.

RA

TE I

NFO

RM

ATI

ON

— T

he a

nnua

l pe

rcen

tage

yi

eld

is a

per

cent

age

rate

that

ref

lect

s th

e to

tal a

mou

nt

of d

ivid

ends

to

be p

aid

on a

n ac

coun

t ba

sed

on t

he

divi

dend

rat

e an

d fre

quen

cy o

f co

mpo

undi

ng f

or a

n an

nual

per

iod.

For

all

divi

dend

bea

ring

acco

unts

, th

e di

vide

nd r

ate

and

annu

al p

erce

ntag

e yi

eld

may

cha

nge

mon

thly

as

dete

rmin

ed b

y th

e C

redi

t U

nion

's B

oard

of

Dire

ctor

s. T

he d

ivid

end

rate

s an

d an

nual

per

cent

age

yiel

ds a

re t

he p

rosp

ectiv

e ra

tes

and

yiel

ds t

hat

the

Cre

dit

Uni

on

antic

ipat

es

payi

ng

for

the

appl

icab

le

divi

dend

per

iod.

The

Mon

ey M

arke

t, IR

A,

Rel

atio

nshi

p C

heck

ing,

and

HS

A C

heck

ing

acco

unts

are

tie

red

rate

ac

coun

ts.

The

bala

nce

rang

es

and

corre

spon

ding

di

vide

nd r

ates

and

ann

ual p

erce

ntag

e yi

elds

app

licab

le

to e

ach

tier

are

disc

lose

d in

the

Rat

e Sc

hedu

le.

For

tiere

d ac

coun

ts,

once

a p

artic

ular

ran

ge i

s m

et,

the

divi

dend

ra

te

and

annu

al

perc

enta

ge

yiel

d fo

r th

at

bala

nce

rang

e w

ill a

pply

to

the

full

bala

nce

of y

our

acco

unt.

2.

NA

TUR

E O

F D

IVID

END

S —

Div

iden

ds a

re p

aid

from

cu

rrent

in

com

e an

d av

aila

ble

earn

ings

af

ter

requ

ired

trans

fers

to re

serv

es a

t the

end

of t

he d

ivid

end

perio

d.

3.

DIV

IDEN

D C

OM

POU

ND

ING

AN

D C

RED

ITIN

G —

Th

e co

mpo

undi

ng a

nd c

redi

ting

frequ

ency

of

divi

dend

s an

d th

e di

vide

nd p

erio

d ap

plic

able

to e

ach

acco

unt a

re

stat

ed in

the

Rat

e S

ched

ule.

The

div

iden

d pe

riod

is th

e pe

riod

of t

ime

at t

he e

nd o

f w

hich

an

acco

unt

earn

s di

vide

nd c

redi

t. Th

e di

vide

nd p

erio

d be

gins

on

the

first

ca

lend

ar d

ay o

f the

per

iod

and

ends

on

the

last

cal

enda

r da

y of

the

perio

d.

4.

AC

CR

UA

L O

F D

IVID

END

S —

For

all

acco

unts

, di

vide

nds

will

beg

in to

acc

rue

on n

onca

sh d

epos

its (e

.g.

chec

ks)

on t

he b

usin

ess

day

you

mak

e th

e de

posi

t to

yo

ur a

ccou

nt. I

f you

clo

se y

our

acco

unt b

efor

e ac

crue

d di

vide

nds

are

cred

ited,

you

will

not

rec

eive

the

accr

ued

divi

dend

s. H

owev

er, f

or M

y G

oal S

avin

gs a

ccou

nts,

any

ac

crue

d di

vide

nds

will

be

paid

if y

ou c

lose

the

acc

ount

w

ithin

sev

en (7

) day

s of

the

date

you

ope

n it.

5.

B

ALA

NC

E IN

FOR

MA

TIO

N

—

To

open

an

y ac

coun

t, yo

u m

ust

depo

sit

or a

lread

y ha

ve o

n de

posi

t th

e m

inim

um r

equi

red

shar

e(s)

in a

Sha

re a

ccou

nt. T

he

par

valu

e of

one

sha

re is

sta

ted

in P

arag

raph

9.

Som

e ac

coun

ts m

ay h

ave

addi

tiona

l min

imum

ope

ning

dep

osit

requ

irem

ents

. Th

e m

inim

um

bala

nce

requ

irem

ents

ap

plic

able

to

ea

ch

acco

unt

are

stat

ed

in

the

Rat

e S

ched

ule.

For

Sha

re a

ccou

nts,

ther

e is

a m

inim

um d

aily

bala

nce

requ

ired

to e

arn

the

annu

al p

erce

ntag

e yi

eld

disc

lose

d fo

r th

e di

vide

nd p

erio

d. I

f th

e m

inim

um d

aily

ba

lanc

e is

not

met

eac

h da

y of

the

divi

dend

per

iod,

you

w

ill n

ot e

arn

the

stat

ed a

nnua

l pe

rcen

tage

yie

ld.

For

acco

unts

usi

ng t

he d

aily

bal

ance

met

hod

as s

tate

d on

th

e R

ate

Sche

dule

, div

iden

ds a

re c

alcu

late

d by

app

lyin

g a

daily

per

iodi

c ra

te to

the

bala

nce

in th

e ac

coun

t eac

h da

y.

6.

AC

CO

UN

T LI

MIT

ATIO

NS

— F

or S

hare

, S

avin

gs,

My

Goa

l Sav

ings

, Litt

le S

chol

ars,

Boo

m!,

Mon

ey M

arke

t, IR

A, a

nd S

ave

the

Cha

nge

acco

unts

, you

may

mak

e no

m

ore

than

six

(6)

tra

nsfe

rs a

nd w

ithdr

awal

s fro

m y

our

acco

unt t

o an

othe

r acc

ount

of y

ours

or t

o a

third

par

ty in

an

y m

onth

by

mea

ns o

f a

prea

utho

rized

, au

tom

atic

or

Inte

rnet

tran

sfer

, by

tele

phon

ic o

rder

or i

nstru

ctio

n, o

r by

chec

k, d

raft,

deb

it ca

rd o

r si

mila

r or

der.

If yo

u ex

ceed

th

ese

limita

tions

, yo

ur a

ccou

nt m

ay b

e su

bjec

t to

a fe

e or

be

clos

ed. F

or E

scro

w a

ccou

nts,

with

draw

als

for

the

purp

ose

of p

ayin

g ta

xes

and

insu

ranc

e w

ill b

e m

ade

by

the

cred

it un

ion

on y

our

beha

lf. F

or M

y G

oal

Savi

ngs

acco

unts

, th

e en

tire

bala

nce

will

be

tra

nsfe

rred

to

anot

her

acco

unt

of y

ours

on

the

mat

urity

dat

e an

d th

e ac

coun

t w

ill r

emai

n op

en.

If yo

u w

ithdr

aw f

rom

you

r ac

coun

t, yo

u w

ill b

e ch

arge

d a

fee

as d

iscl

osed

in t

he

Fee

Sche

dule

. H

owev

er,

no f

ee w

ill b

e ch

arge

d if

the

with

draw

al o

ccur

s w

ithin

sev

en (

7) d

ays

of th

e da

te th

e ac

coun

t is

ope

ned.

The

max

imum

dep

osit

allo

wed

is

$100

.00

per

wee

k. F

or L

ittle

Sch

olar

s ac

coun

ts, e

ligib

le

mem

bers

m

ust

be

0-12

ye

ars

old.

A

t ag

e 13

, th

e ba

lanc

e w

ill b

e tra

nsfe

rred

to a

Boo

m!

Sha

re a

ccou

nt.

For

Boo

m!

acco

unts

, el

igib

le m

embe

rs m

ust

be 1

3-19

ye

ars

of a

ge. A

t age

20,

the

bala

nce

will

be

trans

ferre

d to

a

Sav

ings

ac

coun

t. Fo

r eC

heck

ing

acco

unts

, a

serv

ice

fee

of $

0.10

per

che

ck w

ill b

e ch

arge

d fo

r ea

ch

chec

k in

exc

ess

of f

our

(4)

durin

g th

e di

vide

nd p

erio

d an

d a

$5.0

0 se

rvic

e fe

e w

ill be

ass

esse

d on

the

last

day

of

th

e m

onth

if

the

acco

unt

is

not

enro

lled

in

eSta

tem

ents

. Fo

r R

elat

ions

hip

Che

ckin

g ac

coun

ts,

a se

rvic

e fe

e of

$0.

10 p

er c

heck

will

be

char

ged

for

each

ch

eck

in e

xces

s of

15

durin

g th

e di

vide

nd p

erio

d. T

his

fee

will

not

app

ly i

f yo

u m

aint

ain

a $1

,000

.00

daily

ba

lanc

e th

roug

hout

the

mon

th.

For

Sav

e th

e C

hang

e ac

coun

ts, d

epos

its c

an o

nly

be m

ade

thro

ugh

the

roun

d-up

pro

gram

des

crib

ed b

elow

and

you

mus

t be

enr

olle

d in

bot

h in

tern

et b

anki

ng a

nd e

-sta

tem

ents

. Fo

r Fr

ee

Che

ckin

g an

d H

SA

C

heck

ing

acco

unts

, no

ac

coun

t lim

itatio

ns a

pply

. 7.

SA

VE T

HE

CH

AN

GE

RO

UN

D-U

P PR

OG

RA

M —

a.

W

hen

you

enro

ll in

the

Save

the

Cha

nge

Rou

nd-U

p P

rogr

am,

the

Cre

dit

Uni

on w

ill ro

und

up t

he a

mou

nt o

f an

y de

bit c

ard

purc

hase

s as

soci

ated

with

you

r che

ckin

g

acco

unt t

o th

e ne

xt w

hole

dol

lar a

mou

nt a

nd tr

ansf

er th

e am

ount

in

exce

ss o

f th

e pu

rcha

se a

mou

nt f

rom

you

r ch

ecki

ng a

ccou

nt to

you

r Sav

e th

e C

hang

e ac

coun

t. b.

Th

e C

redi

t U

nion

will

agg

rega

te t

he r

ound

ed u

p am

ount

s fro

m p

urch

ases

tha

t po

st t

o yo

ur c

heck

ing

acco

unt

each

bus

ines

s da

y an

d m

ake

a si

ngle

tra

nsfe

r at

the

end

of th

e bu

sine

ss d

ay. I

f on

a bu

sine

ss d

ay y

ou

do n

ot h

ave

suffi

cien

t av

aila

ble

fund

s in

you

r ch

ecki

ng

acco

unt,

or

if an

y tra

nsac

tion

has

over

draw

n yo

ur

chec

king

acc

ount

, th

e C

redi

t U

nion

will

not

rou

nd u

p pu

rcha

ses

post

ed o

n th

at b

usin

ess

day

and

will

can

cel

the

daily

roun

d-up

tran

sfer

for t

hat d

ay.

c.

If yo

ur

debi

t ca

rd

purc

hase

is

su

bseq

uent

ly

canc

elle

d or

reve

rsed

, suc

h as

a re

turn

ed p

urch

ase,

the

corre

spon

ding

dai

ly ro

und-

up tr

ansf

er w

ill re

mai

n in

you

r S

ave

the

Cha

nge

acco

unt.

Cre

dit

trans

actio

ns

or

adju

stm

ent t

rans

actio

ns w

ill n

ot b

e ro

unde

d-up

. d.

Th

e C

redi

t U

nion

res

erve

s th

e rig

ht t

o ca

ncel

or

mod

ify th

e S

ave

the

Cha

nge

Rou

nd-U

p Pr

ogra

m a

t any

tim

e.

8.

FEES

FO

R O

VER

DR

AW

ING

AC

CO

UN

TS —

Fee

s m

ay

be

impo

sed

on

each

ch

eck,

dr

aft,

item

, A

TM

trans

actio

n an

d on

e-tim

e de

bit

card

tra

nsac

tion

(if

mem

ber

has

cons

ente

d to

ove

rdra

ft pr

otec

tion

plan

for

A

TM

and

one-

time

debi

t ca

rd

trans

actio

ns),

prea

utho

rized

au

tom

atic

de

bit,

tele

phon

e in

itiat

ed

with

draw

al o

r any

oth

er e

lect

roni

c w

ithdr

awal

or t

rans

fer

trans

actio

n th

at i

s dr

awn

on a

n in

suffi

cien

t av

aila

ble

acco

unt

bala

nce.

The

ent

ire b

alan

ce i

n yo

ur a

ccou

nt

may

not

be

avai

labl

e fo

r with

draw

al, t

rans

fer o

r pay

ing

a ch

eck,

dr

aft

or

item

. Y

ou

may

co

nsul

t th

e Fu

nds

Avai

labi

lity

Polic

y D

iscl

osur

e fo

r in

form

atio

n re

gard

ing

the

avai

labi

lity

of

fund

s in

yo

ur

acco

unt.

Fees

fo

r ov

erdr

awin

g yo

ur a

ccou

nt m

ay b

e im

pose

d fo

r ea

ch

over

draf

t, re

gard

less

of

whe

ther

we

pay

or r

etur

n th

e dr

aft,

item

or

tra

nsac

tion.

If

we

have

ap

prov

ed

an

over

draf

t pr

otec

tion

limit

for

your

acc

ount

, su

ch f

ees

may

redu

ce y

our a

ppro

ved

limit.

Ple

ase

refe

r to

the

Fee

Sch

edul

e fo

r cur

rent

fee

info

rmat

ion.

Fo

r ATM

and

one

-tim

e de

bit c

ard

trans

actio

ns, y

ou m

ust

cons

ent t

o th

e C

redi

t Uni

on’s

ove

rdra

ft pr

otec

tion

plan

in

orde

r fo

r th

e tra

nsac

tion

amou

nt t

o be

cov

ered

und

er

the

plan

. W

ithou

t yo

ur c

onse

nt,

the

Cre

dit

Uni

on m

ay

not a

utho

rize

and

pay

an o

verd

raft

resu

lting

from

thes

e ty

pes

of t

rans

actio

ns.

Ser

vice

s an

d fe

es f

or o

verd

rafts

ar

e sh

own

in t

he d

ocum

ent

the

Cre

dit

Uni

on u

ses

to

capt

ure

the

mem

ber’s

op

t-in

choi

ce

for

over

draf

t pr

otec

tion

and

the

Sche

dule

of F

ees

and

Cha

rges

.

D

MN

RJ7

(D37

003)

-e

9.

MEM

BER

SHIP

— A

s a

cond

ition

of

mem

bers

hip,

yo

u m

ust p

urch

ase

and

mai

ntai

n th

e m

inim

um r

equi

red

shar

e(s)

as

set f

orth

bel

ow.

Par V

alue

of O

ne S

hare

$5.0

0 N

umbe

r of S

hare

s R

equi

red

1 10

. R

ates

– T

he R

ates

and

fee

s ap

pear

ing

with

thi

s S

ched

ule

are

accu

rate

as

of th

e ef

fect

ive

date

indi

cate

d on

thi

s Tr

uth-

in-S

avin

gs D

iscl

osur

e. I

f yo

u ha

ve a

ny

ques

tions

or

requ

ire c

urre

nt r

ate

and

fee

info

rmat

ion

on

your

acc

ount

s, p

leas

e ca

ll th

e C

redi

t Uni

on.

11.

FEES

– S

ee s

epar

ate

fee

sche

dule

for

a li

stin

g of

fe

es a

nd c

harg

es a

pplic

able

to y

our a

ccou

nt(s

). 12

. B

ON

US

—

You

will

re

ceiv

e a

bonu

s up

on

pres

entm

ent

of a

Cer

tific

ate

of B

onus

whe

n yo

u m

eet

the

open

ing

requ

irem

ents

of

sp

ecifi

ed

prod

ucts

or

se

rvic

es.

Ple

ase

see

cred

it un

ion

repr

esen

tativ

e fo

r m

ore

deta

ils.

Acco

unt T

ype:

___

____

____

____

_.

Min

imum

tim

e fra

me

fund

s ne

ed to

be

on d

epos

it:

____

____

____

____

____

____

____

____

____

____

____

Min

imum

bal

ance

requ

ired:

___

____

____

____

____

___

The

bonu

s w

ill b

e pr

ovid

ed w

hen

___

____

____

____

__

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

Dol

lar A

mou

nt o

f bon

us: _

____

____

____

____

____

___.

 

© CUNA Mutual Group 1993, 2003, 07, 08, 10 All Rights Reserved DMNRK4 (D3100)-e

 

TRUTH-IN-SAVINGS DISCLOSURE Effective Date:

Maturity Date:

The rates, fees and terms applicable to your certificate account at the credit union are provided in this Truth-in-Savings Disclosure. This credit union may offer other rates for these accounts from time to time.

RATE SCHEDULE AND ACCOUNT INFORMATION Dividend

Rate (%) Annual

Percentage Yield (APY%)

Terms Minimum Opening Deposit

Dividends Compounded

Dividends Credited

Dividend Period

Additional Deposits Withdrawals Renewable

Certificate

Month Fixed None Monthly

Monthly Account’s

Term Not Allowed

Allowed - See

Transaction Limitations

Section

Automatic

IRA Certificate

Month

Fixed Monthly Monthly Account’s

Term Not Allowed

Allowed - See

Transaction Limitations

Section

Automatic

Boom! Certificate

Month

Fixed

Monthly

Monthly

Account’s

Term

Allowed - $25.00 minimum/deposit

Allowed - See

Transaction Limitations

Section

Automatic

ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts. 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 Certificate accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. 2. DIVIDEND PERIOD — For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date. 3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends are stated in the Rate Schedule. For Certificate accounts, at your option, you may choose to have dividends credited to your certificate account, paid to you by check or transferred to another account of yours. If you elect to have dividends paid to you by check or transferred to another account, compounding will not apply. 4. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a Share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day. 5. ACCRUAL OF DIVIDENDS — For Certificate accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. 6. TRANSACTION LIMITATIONS — For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated in the Amount of Penalty section. For Boom! Certificate accounts, eligible members must be 19 years old or under upon opening the account. 7. MATURITY — Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice. 8. EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date.

a. Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 9 Months 90 days’ dividends

Terms of 9 Months but less than 24 Months 180 days’ dividends Terms of 24 Months or greater 365 days’ dividends b. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal. c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a

court or other body of competent jurisdiction. (ii) Where the account is an Individual Retirement Account (IRA) and any

portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled.

9. RENEWAL POLICY — The renewal policy for your accounts is stated in the Rate Schedule. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. 10. NONTRANSFERABLE/NONNEGOTIABLE — Your account is nontransferable and nonnegotiable. 11. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. Par Value of One Share $5.00 Number of Shares Required 1

The rates and fees appearing with this Schedule are accurate as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

The following is a summary of the changes that are being made to your Home Equity Line of Credit Agreement.These changes will take effect on 05/01/2017.

Credit Advances under your credit line can be accessed as follows: ChecksTelephone RequestMail RequestIn PersonOnline Banking

No Minimum advancePayments will be based on an amortization of the balance after your most recent credit advance.Payments will be due monthly on the 25th of each month.Adjustments to the ANNUAL PERCENTAGE RATE resulting from changes in the Index will take effect at the last day of each quarter.

Revised Terms as of 05/01/2017

Home Equity Line of Credit Change in Terms

888.330.84821140 Elm Street E

PO Box 935St. Joseph, MN 56374