(rates are subject to change without notice)

TRUTH IN SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all variable rate Share, Checking and Money Market account types.

RATE INFORMATION: Annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid based on the dividend rate and frequency of compounding for an annual period when dividends are not withdrawn.

NATURE OF DIVIDENDS: Dividends are paid from current and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. Rates are set at the discretion of the credit union. All rates are subject to change without notice.

COMPOUNDING AND CREDITING: Dividends will be compounded and credited for the periods described, provided the account remains opened on the day dividends are credited. Quarterly dividend periods begin on the first day of the calendar quarter, and dividends are paid on the last calendar day of the quarter. Monthly dividend periods begin on the first day of the calendar month and dividends are paid on the last day of the calendar month. Dividends are calculated on the entire balance of the account once the minimum balance is on deposit.

ACCRUAL OF DIVIDENDS: Dividends will begin to accrue on deposits on the business day of the deposit. If the account is closed before accrued dividends are credited, accrued dividends will be paid on the day the account is closed.

MINIMUM DEPOSIT: Minimum deposit is the amount required to open the account.

MINIMUM BALANCE: Minimum balance is the daily balance required for the accrual of dividends for one day at the stated rate. Any day the balance is below the minimum balance, no dividends will be accrued.

DAILY BALANCE METHOD: Dividends are calculated by applying a daily periodic rate to the principal balances in the account each day.

ACCOUNT LIMITATIONS: The credit union reserves the right to impose a notice of up to 60 days for the withdrawal of shares. Shares may not be pledged, transferred or assigned to any party other than the credit union. The first $5 deposit in the regular share account is not available for withdrawal, and is required to maintain your membership, to open other types of accounts and to be eligible for services.

For share accounts in which transfer limitations apply, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six transfers may be made by check, draft or debit card to a third party. If you exceed these limitations, your account may be closed. Pre-authorized transfers are not permitted from IRA shares, Special shares, Holiday Club and Vacation Club accounts.

ACCOUNT SERVICE FEES: See separate schedule for fees that apply to each account. Fees are subject to change.

SHARE CERTIFICATE PENALTY:  If certificate funds other than dividends are withdrawn prior to maturity, a substantial penalty is imposed as follows:  If the qualifying period is one year or less the member shall forfeit an amount equal to the lesser of:  (A) All dividends for 90 days on the amount withdrawn, or (B) All dividends on the amount withdrawn since the date of issuance or renewal. If the qualifying period is greater than one year, the member shall forfeit an amount equal to the lesser of: (A) All dividends for 180 days on the amount withdrawn, or (B) All dividends on the amount withdrawn since the date of issuance or renewal.

LOAN RATES -

(rates are subject to change without notice)

+Annual percentage rates subject to change without notice.
(1) Prime Rate is 3.25% as of the effective date indicated above. Rates are subject to change without notice. Call 202-479-2270 for current rates.
**The rates and terms for these products are determined by applicant credit and payment history. Term is determined by loan amount.
*** Minimum balance requirements exclude refinancing or current AFCU loans. Closing costs must be paid if loan remains open for less than 24 months. Minimum loan amount is $10,000. Certain restrictions may apply.

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