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1. Rate Information
The Annual Percentage Yield (APY) 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 Regular Share and Christmas Club accounts, the Dividend Rate and APY may change quarterly as determined by the Credit Union's Board of Directors. For IRA accounts, the Dividend Rate and APY may change quarterly based on our index of the 52 Week Treasury Bill Discount Auction rate which is determined from previous quarter auctions. The IRA Dividend rate is the lower of the 52 Week Treasury Bill Discount Auction rate or the highest dividend rate NODA pays on Regular Share accounts. The Dividend Rates and APY are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Regular Share and Christmas Club accounts are Tiered Rate accounts. If your account average daily balance is $1,999.99 or below for the quarter, the first Dividend Rate Schedule and APY listed for this account in the Rate Schedule will apply. If your account has an average daily balance for the quarter $2000.00 to $9,999.99, the second Dividend Rate and APY listed for this account will apply. If your account average daily balance is $10,000.00 or more for the quarter, the third Dividend Rate and APY listed for this account will apply. Once a particular balance range is met, the Dividend Rate and APY for that balance range will apply to average daily balance of your account for the number of days in that quarter.

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

3. Dividend Compounding and Crediting
The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends
For regular Share, Christmas Club and IRA accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Regular Share, Christmas and IRA accounts, that are closed before dividends are paid will receive no dividend for that quarter.

5. Balance Information
The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share Draft/ Checking accounts, there is a minimum balance required to avoid a monthly service fee. If the minimum balance is not maintained for the entire calendar month, there will be a service fee as set forth in the Fee Schedule. For Regular Share accounts, there is a minimum daily balance required to obtain the APY for the dividend period. If the minimum daily balance is not met, you will not earn the stated APY. For Regular Share, Christmas Club and IRA accounts using an Average Daily Balance method, dividends are calculated by applying a daily periodic rate to the average daily balance of the account for the number of days in the quarter.

6. Account Limitations
For a Christmas Club account, the entire balance will be available to you on your request by cash, check or transferred to another account of yours on or after November 1, and the account will remain open. After January 1st of the New Year you will only be allowed 1 emergency withdrawal without a penalty. After the 1 emergency withdrawal there is a fee as set forth in the Fee Schedule charged per withdrawal.

For IRA accounts, any withdrawal made prior to eighteen (18) months from date of deposit, may impose a fee. No rollover deposits are allowed from other financial institutions at this time.