Welcome PacketDucote Federal Credit Union Effective November 1, 2016

ContentsWelcome to Jax Federal Credit Union ........................................3

Getting Started and Open House Invitation ..............................4

Products and Services ....................................................................5

Comparison Chart ............................................................................6

Account Access ................................................................................7

Direct Deposits and Automatic Payments .................................7

Your New Account Number ...........................................................8

Hours and Locations .......................................................................9

Frequently Asked Questions (FAQs) ......................................... 10

Open House Invitation .................................................................. 13

Referral Special ............................................................................... 14

Online Banking Quick-Start Guide .............................................. 15

Overdraft Lin Of Credit Insert .................................................... 17

Truth in Savings Disclsoure .......................................................... 18

904-475-8000 answers@jaxfcu.org www.jaxfcu.org

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If you have any questions, we are here to help!Please contact us:

Due to security concerns, please do not include account numbers or personal information via email.

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Welcome!Dear Valued Ducote Members,

Welcome to Jax Federal Credit Union! On November 1, 2016, Ducote Federal Credit Union will merge with Jax Federal Credit Union. The staff and management at JAXFCU are honored to serve the loyal mem-bers of Ducote Federal Credit Union and appreciate the confidence you have placed in us. We will work hard to earn your business and provide you with products and services to meet your needs.

As a result of the merger, we can offer you a greater range of benefits including:

• Debit Cards for Checking Accounts - along with a coast-to-coastcooperative network of branches and ATMs providing you great-er convenience to over 5,500 Shared Branches and 30,000surcharge-free ATMs.

• Financial security in knowing that Jax Federal has strong capital re-serves that are well above the regulatory requirement. We also havemore than $362 million in total assets with $316 million in deposits.

• Expanded selection of products and services, including Mortgages,Certificates, Free Checking with Mobile Banking, Credit Cards andmore!

Enclosed is a Question & Answer (Q&A) document that focuses on questions related to the merger. We encourage you to speak to our associates.

Ducote Federal Credit Union is an important part of the history of the credit union movement. This merger builds upon that legacy by intro-ducing new products and services to help you pass on the credit union membership to generations for years to come. We value you as a mem-ber and are dedicated to bringing you a wonderful Credit Union expe-rience. We look forward to serving you!

Sincerely

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Getting StartedStarting November 1, 2016

• Bring your photo ID to any Jax Federal Credit Union Branch.

• Open a free checking account and/or order a debit card for your existing checkingaccount.

• Order a box of free checks to replace your existing checks. There will be a change ofthe encoded numbers on your personal checks, which you will notice when you reor-der checks. Your first box of basic checks will be provided at no charge. Any existingchecks you may have written will continue to clear, but please discard all of your oldchecks, as they will no longer be valid.

• Get a new membership card with your expanded JAXFCU account number.

• Sign a new signature card and update your beneficiary information.

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Products and ServicesSavings Accounts

• $5.00 minimum balance savings account: Earn dividends when your balance is $100 or more. Also, avoid a monthly maintenance fee of $5.00 by maintaining a $100 bal-ance OR have another service such as a checking account or loan.

• We also offer “You-Name-It” Savings Accounts - which will replace Ducote Club Accounts. In addition, you can open Holiday Savings, which will replace Ducote “club” accounts.

Checking Accounts• Free Checking offers no monthly service fees, no minimum balance requirement and

a VISA Debit Card. See the section on Account Access for more information.

• Interest Checking pays dividends on balances of $2,500 or more and if you keep at least $100 in your account, you’ll avoid the $3.50 monthly fee. A VISA Debit Card is included.

• We also offer Small Business Free Checking and Small Business Interest Checking!

Money Market, Certificates and IRAs• Our Money Market Account offers higher earnings and gives you easy access to your

funds. Dividends are tiered, compounded and paid monthly based on the daily bal-ance. There is a $100 minimum balance requirement and no monthly fees.

• Certificates are offered at terms from 6 months to 5 years. Interest is compounded and credited to your certificate monthly or you may request a check or transfer to your JAXFCU account. Ducote Certificates will not automatically renew. A JAXFCU associ-ate will contact members for reinvestment options.

• IRAs are designed to help you save for retirement. We offer both IRA Certificates (Terms 6 months to 5 years) and IRA Share Accounts ($1 minimum). Choose Traditional, Roth or Coverdell Education Savings Accounts.

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Comparison ChartsSee Truth-in-Savings Disclosure for Complete details.

Savings Ducote JAXFCU

Membership Fee $5 $5

Minimum Balance to Open $5 $5

Minimum Balance to Earn Dividends $500 $100

Dividends Rates Calculated Daily

$501-$4,999 0.04% 0.15%

$5,000-$49,999 0.05% 0.15%

$50,000 & Over 0.10% 0.15%

Dividend Period Monthly Monthly

Dividend Calculation Method Daily Balance Method Daily Balance Method

Compounding Monthly Monthly

Accrual of Dividends Begins Day of the Deposit Day of the Deposit

Checking & Related Fees Ducote Checking JAXFCU Free Checking

Draft Monthly Fee if Balance is Less than $300 $4.00 No charge for Free Checking

Excess Withdrawal Fee $2.00/after 3/month $2.00/after 10/month

NSF Fee (ACH & Draft) $37.00 $32.50

Stop Payment Fee $35.00 $32.50

Copy Fee $4.00 $2.50

Credit Union Check Fee (Cashier’s Check) $5.00 $2.00

Research Fee (Per Hour) $25.00 $20.00

Statement Copy Fee $6.00 $3.00

Account History Fee $3.00 $3.00

Call us if you would like to switch your Free Checking Account to Interest Checking.

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Account Access

( Debit CardsIf you have a checking account, you can either call 904-475-8000 or visit any branch to request a debit card.

! Online Banking & Bill PayPlease contact us at 904-475-8000 or visit any branch for first-time access. See Quick Start Guide in this packet for step-by-step instructions. We offer eServices Support during business hours.

) Mobile 360After you are set up in Online Banking, see our Mo-bile 360 Quick Start Guide in this Packet for step-by-step instructions. We offer eServices Support during business hours.

* eStatementseStatements are good for the environment, reduce paper clutter, and won’t get lost or stolen in the mail.

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You can also view your check images. To sign up for eStatements, click the eStatements Tab inside On-line Banking.

+ Shared BranchingIn addition to JAXFCU branches, members have ac-cess to over 5,500 Shared branches where you can make loan payments, deposit checks, and withdraw cash. You just need your account number and photo ID. See the locations page on our website or ask an associate to search an address.

, Surcharge-free ATMsJAXFCU members don’t have to pay a fee to access their money at nearly 30,000 surcharge-free ATMs across the United States and Canada. Publix Pres-to, Walgreens, Costco, and 7-Eleven are just a few of the more popular locations. Many machines even accept member deposits! See the locations page on our website or ask an associate to search an ad-dress.

Jax Federal Credit Union offers a complete suite of Online Banking and Mobile Banking services designed to help you access your credit union accounts anytime on any device.

Direct Deposits and Automatic Payments

Your current Ducote direct deposits and automatic payments will be directed to your new Jax Federal Credit Union account.

After November 1, 2016, please use your new account number and the Jax Federal Credit Union routing number when setting up any new direct deposit or automatic payment information, including your 2016 federal tax refund.

Your New Jax Federal Account Number

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Due to security concerns, we are not sending your new account number in this Welcome Packet. However, please see the diagram below if you would like to follow the formula we used to create Jax Federal Credit Union account numbers for each of your accounts. Or, you can skip that step and we will provide you with a new account card when you visit our branch or you can call us at 904-475-8000 and we can mail one to you.

JAXFCU’s routing number is: 263079234

This is the full 13-digit account number you would use to set up direct deposit:

Your new account number will be:

For everyday teller transactions or telephone banking, please use this number:

Jax Federal’s Hours of Operation: Lobby: (All branch locations. FAA and Federal Building have limited hours.)

Monday - Friday: 9:00am to 5:00pm

Saturday: 9:00am to 1:00pm

1 0 0 1 7 0 0 0

ENTER:

1 - Savings2 - Free Checking

Fill in the blanks with your DUCOTE Account Number

- -Add a Zero here if you have a 3-digit account.

Drive Up: (Offered at Park Street, Westside, and Atlantic Beach)

Monday - Thursday: 8:00am to 5:00pm

Friday: 8:00am to 6:00pm

Saturday: 9:00am to 1:00pm

. /

1 7 0 0 0

Jax Federal Branch Locations:

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Branch Nickname Address City State Zip

FAA - No Public Access 37075 Aviation Lane Hilliard FL 32046

Federal Building - ID req’d 400 W Bay St. Suite #111 Jacksonville FL 32202

Southpoint 4100 Belfort Rd. Jacksonville FL 32216

Main Office 562 Park St. Jacksonville FL 32204

Westside 7254 103rd St. Jacksonville FL 32210

Atlantic Beach 801 Atlantic Blvd. Atlantic Beach FL 32233

Orange Park 950 Blanding Blvd. Orange Park FL 32065

Northside 1440-31 Dunn Ave. Jacksonville FL 32218

Mandarin 11406-2 San Jose Blvd. Jacksonville FL 32223

➒

➐

➎➌

➏

➑➊ ➋

➍

➊ Main Office ➋ Atlantic Beach ➌ Mandarin➍ Northside➎ Orange Park ➏ Southpoint ➐ Westside ➑ Federal Building➒ FAA

Complete ATM Network locators are available by visiting our web site: www.jaxfcu.org

THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION

We do business in accordance with the Federal Fair Housing Law and The Equal Credit Opportunity Act.

Frequently Asked Questions

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How will this merger benefit Ducote members?Ducote members will now have access to a wider array of financial services, including Real Estate Loans, Money Market Accounts, Mobile Banking, e-Statements, Shared Branching, and Mobile Check Deposit capture, to name a few. You also may enjoy lower loan rates, higher dividend rates, and lower fees. Members will also now have ac-cess to 7 public access branches in Northeast Florida, as well as the addition of the CO-OP Shared Branching net-work, with access to over 5,500 shared branch locations worldwide. The Credit Union will also now be a part of the CO-OP ATM Network, with access to nearly 30,000 fee-free ATMs nationwide. To find an ATM near you visit the locations page on www.jaxfcu.org.

Who is Jax Federal Credit Union?Jax Federal Credit Union was originally founded in 1935 to serve federal employees. Today, Jax Federal is open to serve anyone who lives, works, learns, or worships in Northeast Florida (Duval, Clay, St. Johns, Nassau and Baker Counties). Jax Federal Credit Union currently has more than 33,000 members and over $362 million in as-sets. Our credit union is safe, strong, well-capitalized and poised for future growth and long term stability. We have a passion for service and look forward to welcoming Du-cote members into our family.

Who is Jax Federal’s CEO and what will happen to Ducote employees?The combined credit union will be Jax Federal Credit Union effective November 1, 2016. Gerri Sexsion, the cur-rent President and CEO of Jax Federal Credit Union will be the CEO of the combined credit union. Eleanor Peter-son will continue to work for Jax Federal at Park Street by providing services for Ducote and other members. The

remaining employees of Ducote will be considered for any openings they may qualify for at Jax Federal Credit Union following the consummation of the merger.

Will the Ducote office remain open after the merger?Two branches are in close proximity. The Ducote of-fice on Myrtle Ave will close on 10/28/16. The nearest branches are the Northside Branch located at 1440 Dunn Ave. and the Main Office located at 562 Park Street. We hope the Durkeeville Historical Society re-ceives the grant they have requested to purchase the Ducote Building.

+ Account FAQsWill my account balances continue to be insured?Your accounts will continue to be federally insured through the National Credit Union Share Insurance Fund (NCUSIF), and backed by the NCUA, a U.S. Government Agency, to at least $250,000 for regular deposits and $250,000 for IRAs.

Will I receive a new account number from Jax Federal Credit Union?Your new Jax Federal Credit Union account number will include your Ducote account number with the addition of 017000 or 0170000 as a prefix depending on if you have a 3 or 4-digit account number. Please use the full 13-digit account number for direct deposit. The goal is to make this transition as seamless as possible for all our members.

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What will happen to my club account?All club accounts will be mapped over to JAXF-CU’s Secondary Savings or “You-Name-It” Account. You can call us to rename your account if you wish.

Will my payroll deposit post to my new Credit Union account?Yes, your payroll deposit will continue to post to your new Jax Federal Credit Union account after the merger. Your current direct deposits and automatic payments will be directed to your new account at Jax Federal Credit Union. After the merger on November 1, 2016, if you set up any new direct deposit, payroll allotment or electronic withdrawals, you’ll need to use your full 13-digit Credit Union account number and routing number 263079234. Some companies may require you to complete the name and address of the financial institution to set up an elec-tronic deposit or withdrawal. Please use the following in-formation:

Jax Federal Credit UnionP.O. Box 2357Jacksonville, FL 32232-0011

What will happen to the Ducote FCU checks I have already written?We will continue to honor and clear any outstanding Du-cote checks that you have written. We encourage you to order your new box of basic Jax Federal Credit Union checks (at no charge) as soon as possible.

What will happen to my Ducote Overdraft Protection (Transfer from Savings)?Any overdraft protection transfers that are set up from your Ducote accounts will transfer over to your Jax Fed-eral Credit Union account. In addition to the transfer from your Share or Club accounts, Jax Federal Credit Union also offers Courtesy Pay to those who qualify. You must contact the Credit Union and “opt-in” to have your Debit and ATM transactions covered by Courtesy Pay. Mem-bers may also apply for an Overdraft Line of Credit. The enclosed fee schedule details specific service fees.

( Debit Card FAQsHow does a Debit Card work?

Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a per-sonal check. When you use a debit card, your money is quickly deducted from your account. You can use a deb-it card to make purchases at any location that accepts VISA using your person identification number (PIN) or just your signature. And, when you sign for purchases, VISA’s zero liability policy guarantees you won’t be held responsible for fraudulent charges.

Can I use my Debit Card for any purchase? There are a few instances where you may not want to use a debit card. Airline companies, cruise reservations, hotels, car rental agencies and pay at the pump gas sta-tions may place a hold on your account for a set amount. For example, a car rental agency may hold $400 in your account when your actual rental fees are only $100. Use a credit card to avoid tying up funds you may need.

How can I get cash from my account using my Debit Card? You can use any bank ATM that accepts VISA, but you may end up paying fees for using your card at a foreign ATM, as well as a terminal fee. To avoid paying ATM fees, please use any Jax Federal ATM or get at least 5 free ATM transactions per month at any of our 30,000 surcharge-free ATMs like Publix Presto or Kangaroo Gas Stations. You can also get cash back on your PIN purchases and avoid ATM surcharge fees. Or get a cash advance at a financial institution using your VISA debit card. (Great for emergency situations)

% Loan FAQsWhat will happen to my Ducote FCU Loan?All Ducote loans will be automatically transferred to Jax Federal Credit Union on November 1, 2016. If you have an existing loan with Ducote, your loan will continue to have the same Annual Percentage Rate and monthly payment until the loan is paid off.

Frequently Asked Questions

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% Loan FAQsWhere do I send my loan payments that are not payroll or direct deposited now?You can make a loan payment over the phone at 904-475-8000 via transfer from another JAXFCU account, you can visit any Jax Federal Branch, you can use night deposit at any branch for next day credit, you can make a payment through Online Banking or Bill Pay, Telephone Banking, or you can mail your payment to our address:

Jax Federal Credit UnionP.O. Box 2357Jacksonville, FL 32232-00110

How are Jax Federal’s Loan Rates compared to Ducote’s?JAXFCU’s loan rates will likely be lower. Any member wishing to get a lower rate is invited to apply for a new loan with Jax Federal. Your credit records from Ducote will transfer to a JAXFCU file, so most will continue to qualify for loans. Eleanor Peterson and other JAXFCU staff will be able to assist you.

Can I get a VISA Credit Card?Once you are a Jax Federal Credit Union member, you can apply for a JAXFCU VISA Credit Card by visiting www.jaxfcu.org, calling 904-475-8000 or by visiting one of our branch offices.

! eServices (Electronic Services) FAQsHow do I log in to Online Banking?Please contact us at 904-475-8000, or visit any branch for first-time access. See Quick Start Guide in this pack-et for step-by-step instructions. We also offer eServices Support during business hours!

Can I download Jax Federal Credit Union’s Mobile 360 App?Yes! Once you have accessed Online Banking, you may download our Mobile App for iPhone or Android phones by visiting the Apple store or Google Play Store. See our Quick Start Guide for help.

Will I be able to see my past Ducote account history once I’ve enrolled in Online Banking and Mobile Banking?No, only new transaction history from Jax Federal Credit Union will be available in Online Banking. Once you’ve enrolled in Online Banking, you will be able to enroll to receive eStatements.

Open House for Ducote Members November 5, 2016 | 10:00am - 1:00pmAll Ducote members are invited to attend an Open House at Jax Federal Credit Union’s Headquarters at 562 Park Street.

• Learn more about JAXFCU’s products and services: Investment Services, Mortgages, Debit and Credit Cards, Online Banking and Bill Pay, Mobile Apps, and more!

• Live music by Ducote member, Rev. Dr. Eugene L White.

• RSVP to enjoy a delicious BBQ luncheon.

Call Joy at 904-475-8013 to make your reservation by November 3rd, if you have not done so already.

Top Ten Open House To-Dos:1. Update the information on your Account

2. Order a debit card

3. Open new accounts, apply for loans and credit cards

4. Speak with a Certified Financial/Credit Counselor

5. Learn about all the ways to access your account through cooperative convenience

6. Check out our Coindexter Kids Club Account

7. Sign up and learn how to use Online Banking and Bill Pay

8. Speak with our Investment Services Team

9. Learn about Mortgages from our in-house expert

10. Discover the features of mobile banking and telephone banking

You’re Invited!

562 Park St.Jacksonville, FL 32204

904-475-8000

jaxfcu.org0

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Exclusive Referral Bonus for Ducote MembersHurry, Limited Time Offer Ends December 31, 2016!Refer your friends and family in Northeast Florida to open a new checking account, share certificate, or apply for a new loan at Jax Federal Credit Union! You get $10 and they get $10 – which pays for their membership fee and initial $5 deposit.

Important:

Your referral must open their account and/or apply for their loan by December 31, 2016 in order for you both to receive your bonus money.

Your referral bonus will be deposited to your Primary Savings account within 10 business days of the new referral’s account opening. Your referral must present coupon at the time of account opening.

Join me as a proud member-owner of I love banking with a credit union, and I think you would too! Take this slip to any Jax Federal Credit Union Branch, open a Free Checking Account and we’ll BOTH receive $10.00!*

Name of current member

Phone number of current member

o Yes, the person listed above told me how great Jax Federal Credit Union is, so I want to open a new Free Checking Account!

Name of person joining

All who live or work in Duval, Clay, St. John’s, Nassau, and Baker Counties are eligible to join.*For a limited time.

THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATIONWe do business in accordance with the Federal Fair Housing Law and The Equal Credit Opportunity Act.

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904-475-8000 jaxfcu.org0#

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• Available in $500 or $1,000 lines*• No Transfer Fees• No Annual Fees• $65 Monthly Payment due on last day of the month,

and can be set up as an automatic transfer from checking

• Minimal Finance Charge Applies: For example on a loan balance of $500, the finance charges are less than $8 per month even at 18% APR.

APPLY FOR AN OVERDRAFT LINE OF CREDIT ONLINE AT:

http://bit.ly/overdraft-loc

FOR MORE ABOUT ALL OVERDRAFT PROTECTION OPTIONS VISIT:

www.jaxfcu.org/overdraft-protection

OVERDRAFT LINE OF CREDIT

904-475-8000 ›› www.jaxfcu.org

We do business in accordance with the Federal Fair Housing Law and The Equal Credit Opportunity Act. All loans are subject to credit approval and underwriting standards.

JAXFCU-ODPCP-10.16

APPS

904-475-8000 ›› www.jaxfcu.org

We do business in accordance with the Federal Fair Housing Law and The Equal Credit Opportunity Act. All loans are subject to credit approval and underwriting standards.

JAXFCU-ODPCP-10.16

APPS

AUTOMATIC TRANSFERFROM SAVINGS(LINKED ACCOUNTS)

The first level of overdraft protection is to link your membership savings, money market account, or other emergency savings account here at JAXFCU to your JAXFCU checking account.

If you overdraw your checking account, the credit union will transfer funds in increments of $100 from your savings or money market account into your checking account for a nominal fee of $3.00 per transfer. If less than $100 is available, then the available amount will be transferred. If a scheduled JAXFCU bill pay causes an overdraft, then the transfer will be for the amount need-ed to cover the payment plus the $3 transfer fee.

Keep in mind: A separate Regulation (D) limits the total number of transfers from a

savings account to 6 per month.

Please check with any JAXFCU associate to be sure your savings accounts are linked to your checking account.

We recommend that members set up balance alerts through online banking to get immediate updates when balances are running low.

FOR MORE ABOUT ALL OVERDRAFT PROTECTION OPTIONS VISIT:

www.jaxfcu.org/overdraft-protection

17

Dividend Rate/Annual Percentage

Yield (APY)MinimumOpeningDeposit

DIVIDENDS BALANCE REQUIREMENTS ACCOUNT LIMITATIONS

See Section 6Minimum

Balance toAvoid a

Service Fee

MinimumBalance toEarn the

Stated APY

ACCOUNT TYPE

Balance MethodDividendsCredited

DividendsCompounded Dividend Period

RATE SCHEDULEThe rates, fees and terms applicable to your account at the Credit Union are provided w ith this Truth-In-Savings Disclosure. The Credit Union may offer other rates for these accounts from t ime to

TRUTH-IN-SAVINGS DISCLOSURE

Except as specif ically described, the follow ing disclosures applyto all of the accounts. All accounts described in thisTruth-in-Savings Disclosure are share accounts. 1. Rate Information. The Annual Percentage Yield is apercentage rate that ref lects the total amount of dividends to bepaid on an account based on the dividend rate and frequency ofcompounding for an annual period. For all accounts, theDividend Rate and Annual Percentage Yield may change at anytime as determined by the Credit Union' s Board of Directors.The Dividend Rates and Annual Percentage Yields are theprospective rates and yields that the Credit Union anticipatespaying for the applicable dividend period. The Money Marketaccounts is a t iered rate account. If your daily balance is from$100.00 to $2,499.99, the first dividend rate and annualpercentage yield listed for this account in the Rate Schedule w illapply. If your daily balance is from $2,500.00 to $9,999.99,the second dividend rate and annual percentage yield listed for

DFLDYB (D37003)-eCUNA Mutual Group 1993, 2003, 07-10 All Rights Reserved

Monthly Monthly(Calendar)

Share SavingsAccounts

Monthly

Monthly

Monthly

Monthly

Coindexter Kids ClubAccounts

Secondary Savings (You Name It) Accounts

Money MarketAccounts

---

IRA Accounts

Monthly(Calendar)

Monthly(Calendar)

Monthly(Calendar)

---

Monthly(Calendar)

$100.00

$5.00

$100.00

$100.00

---

$100.00

Account transfer limitat ions apply.

Account transfer and w ithdraw al limitat ions apply.

Account transferlimitat ions apply.

---Fresh Start CheckingAccounts

Account transferlimitat ions apply.

Daily Balance

Daily Balance

Account transferlimitat ions apply.Monthly

Monthly

/

$5.00

$5.00

Effect ive Date

Daily BalanceMonthly

Monthly

Holiday Club Accounts ---

--- Daily Balance

---

/

--- ---

---

$100.00

$100.00$2,500.00$10,000.00$25,000.00$50,000.00$100,000.00

Monthly

---

---

---

ACCOUNT DISCLOSURES

---

---

---

---

Account transferlimitat ions apply.

/

/

//

Monthly Monthly(Calendar) Daily BalanceMonthly $100.00 ---

Monthly Monthly(Calendar) $2,500.00 Daily BalanceMonthly ---Interest Checking

Accounts* $100.00 ---

/////

Daily Balance

this account w ill apply. If your daily balance is from $10,000.00to $24,999.99, the third dividend rate and annual percentageyield listed for this account w ill apply. If your daily balance isfrom $25,000.00 to $49,999.99, the fourth dividend rate andannual percentage yield listed for this account w ill apply. If yourdaily balance is from $50,000.00 to $99,999.99, the fif thdividend rate and annual percentage yield listed for this accountw ill apply. If your daily balance is $100,000.00 or greater, thesixth dividend rate and annual percentage yield listed for thisaccount w ill apply. Once a part icular range is met, the dividendrate and annual percentage yield for that balance range w illapply to the full balance of your account. * The ExtremeChecking account is a Tiered Rate account. If your DailyBalance is $5,000.00 or below AND you meet all of thefollow ing minimum service requirements during the calendarmonth, the first Dividend Rate and Annual Percentage Yieldlisted for this account in the Rate Schedule w ill apply: 1) you

Monthly Monthly(Calendar) ---

---

---

---

Daily BalanceMonthly ---Extreme CheckingAccounts

Free CheckingAccounts

---

--- --- ------ --- ---

/

//

receive e-statements each month; 2) you complete six (6) ormore debit card signature based transactions each month; and3) have direct deposits of at least $500.00 each month. If yourbalance is $5,000.00 or greater, the second Dividend Rate andAnnual Percentage Yield listed for this account w ill apply. Eachrate w ill apply only to that port ion of the account balance w ithineach balance range. If you fail to meet any of the minimumservice requirements during a calendar month, the secondDividend Rate and Annual Percentage Yield listed for thisaccount w ill apply to the entire balance in the account2. Nature of Dividends. Dividends are paid from currentincome and available earnings after required transfers toreserves at the end of the dividend period. In Credit Unions,members are ow ners, therefore, interest equals dividends.3. Dividend Compounding and Credit ing. The compoundingand credit ing frequency of dividends and dividend periodapplicable to each account are stated in the Rate Schedule. The

07/01/2014

0.150 0.150

0.150 0.150

0.150 0.150

0.250 0.250

0.050 0.0500.150 0.1500.200 0.2000.250 0.2500.300 0.3000.350 0.350

0.150 0.150

0.050 0.050

0.350 0.3500.050 0.050

FEE SCHEDULEShare Value/Membership Fee

Extreme Checking Account Fee- Service Fee...................................

$ 5.00$ 5.00$ 5.00

$10.00/Month fee if DirectDeposit of $500.00 ormore is not maintained.First 90 days are free.

Checking Account Fees$ 3.00/Item$32.50/Item$32.50/Item$32.50/RequestPrices vary depending uponstyle.$ 2.50/Item$ 5.00/Item$ 3.50/MonthIf minimum balance is notmaintained.$ 1.00/12

Other Service FeesDividend Period is the period of t ime at the end of w hich anaccount earns dividend credit . The Dividend Period begins on thefirst calendar day of the period and ends on the last calendar dayof the period. 4. Accrual of Dividends. For all accounts, dividends w ill begin toaccrue on noncash deposits (e.g. checks) on the business day youmake the deposit to your account.5. Balance Information. To open any account, you must depositor already have on deposit the minimum required share(s) in yourShare Savings account. The par value amount is stated in the FeeSchedule. Some accounts may have addit ional minimum openingdeposit requirements. The minimum balance requirementsapplicable to each account are stated in the Rate Schedule. ForInterest Checking accounts, there is a minimum Daily Balancerequired to avoid a service fee for the dividend period. If theminimum daily balance is not met during each day of the dividendperiod, there w ill be a service fee as stated in the Rate Schedule.For Share Savings, Coindexter Kids Club, Money Market, HolidayClub and Checking accounts, there is a minimum Daily Balancerequired to earn the Annual Percentage Yield disclosed for thedividend period. If the minimum daily balance is not met each dayof the dividend period, you w ill not earn the stated AnnualPercentage Yield. For accounts using the Daily Balance method asstated on the Rate Schedule, dividends are calculated by applyinga daily periodic rate to the balance in the account each day. 6. Account Limitat ions. For Share Savings, Coindexter KidsClub, Secondary Savings, Money Market and Holiday Clubaccounts, you may make no more than six (6) transfers andw ithdraw als from your account to another account of yours or to athird party in any month by means of a preauthorized, automaticor internet transfer, by telephonic order or instruct ion, or by check,draft, debit card or similar order. If you exceed these limitat ions,your account may be subject to a fee or be closed. For HolidayClub accounts, the entire balance w ill be transferred to anotheraccount of yours on or after November 1st and the account w illremain open. If you w ithdraw from your account, you w ill becharged a fee as disclosed in the Fee Schedule. How ever, no feew ill be charged if the w ithdraw al occurs w ithin seven (7) days ofthe date the account is opened. For IRA accounts, you may notmake any pre-authorized, automatic or telephone transfers fromyour account to another account of yours or to a third party at anytime. For each w ithdraw al from your account before the age of59½ , you w ill be charged a fee as disclosed in the Fee Schedule.Please refer to your IRA Trust Agreement for addit ional limitat ionson account transactions. For Extreme Checking, Free Checking,and Fresh Start Checking accounts, no account limitat ions apply.7. Fees for Overdraw ing Accounts. Fees for overdraw ing youraccount may be imposed on each check, draft, item, ATMtransaction and one-t ime debit card transaction (if member hasconsented to overdraft protect ion plan for ATM and one-t ime debitcard transactions), preauthorized automatic debit, telephoneinit iated w ithdraw al or any other electronic w ithdraw al or transfertransaction that is draw n on an insuff icient available accountbalance. The entire balance in your account may not be availablefor w ithdraw al, transfer or paying a check, draft or item. You mayconsult the Funds Availability Policy Disclosure for informationregarding the availability of funds in your account. Fees foroverdraw ing your account may be imposed for each overdraft,regardless of w hether w e pay or return the draft, item ortransaction. If w e have approved an overdraft protect ion limit foryour account, such fees may reduce your approved limit. Pleaserefer to the Fee Schedule for current fee information. For ATM and one-t ime debit card transactions, you must consentto the Credit Union' s overdraft protect ion plan in order for thetransaction amount to be covered under the plan. Without yourconsent, the Credit Union may not authorize and pay an overdraftresult ing from these types of transactions. Services and fees foroverdrafts are show n in the document the Credit Union uses tocapture the member' s opt-in choice for overdraft protect ion andthe Schedule of Fees and Charges.

EFT Fees

IRA Account Fees Safe Deposit Box Fees- Annual Rental Size- 3 x 5..........................................- 3 x 10........................................- 5 x 10 .......................................- 10 x 10......................................- Key - Nonrefundable.....................- Drilling of Box..............................- Lost Key Fee...............................

$30.00$45.00$60.00$75.00$ 5.00Cost$35.00

$20.00

The rates appearing in this Schedule are accurate as of the Last Dividend Declarat ionDate indicated on this Truth-in-Savings Disclosure. If you have any questions orrequire current rate and fee information on your accounts, please call the Credit Union.* Escheatment Fee - When an account has no activity for f ive years or more, and theow ners of the account cannot be reached, this fee w ill be deducted from the balanceof the account and the remainder of the funds (if any) w ill be turned over to the Stateof Florida for the Unclaimed Funds.

Share Savings Account Fees- Monthly Maintenance

Service Fee.................................... $ 5.00/Month if minimumbalance is not maintainedfor savings only account.

DFLDYB (D37003)-e

Fresh Start Checking Account Fee- Service Fee................................... $ 5.00/Month-w aived w ith

Direct Deposit of $300.00or more.

$ 1.00

$ 20.00/Hour (Minimum1 Hour)$10.00$ 5.00$ 3.00/Month (After 3months$32.50$25.00

$20.00

- Nonproprietary ATM/DebitWithdraw al/Transfer.......................

- Five Nonproprietary ATMWithdraw als per month w ithout acharge

- ATM/Debit Research......................

- ATM/Debit Replacement Card..........- ATM/Debit/Audio Lost PIN..............- Bad Address ................................

- Stop Payment ACH........................- Debit Card Rush/Overnight..............- Debit Card Special Order

(new address)................................

$ 1.00$10.00$ 2.50 per transaction$32.50 w ithin the f irstten (10) days. Free afterten (10) days.$ 7.00$20.00$20.00$28.00 (over $500, thenaddit ional $12.00)$20.00$48.00/Transfer$ 2.95 fee to sendMoney to anotherinst itut ion.

$ 9.953% for members7% for non-members

$ 2.50

$50.00 (per account/box)

$10.00

- Par Value of One Share...................- One Time Membership Fee..............- Early Account Closure Fee...............

- Overdraft Transfer Fee....................- Overdraw n Fee (Check and ACH).....- Returned Item (Check and ACH)......- Stop Payment................................- Check Print ing...............................

- Copy of Check...............................- Copy of Check by Fax.....................- Monthly Maintenance Service..........

- Starter Checks...............................

- Excessive Withdraw al..................- Photo Copy Front/Back.................- Account Research/Reconciliat ion...

- Return Deposited Item(Same Party).- Return Deposited Item(Other Party).- Wire Transfer Fee (Outgoing)........- Cashiers Check...........................- Money Order...............................- Garnishments/Levies....................- Inactive Account.........................

- Statement/History........................

$ 2.00 after ten (10)$ 2.50/Copy$20.00/Hour (Minimum1 Hour)$32.50/Item$ 6.00/Item$15.00/Transfer$ 2.00/Check$ 2.00/Item$45.00$10.00 after 2 years andonly if not subject to share maintenance fee.$ 3.00/Statement/History

- Phone Transfer(Same Account)...........................

- Holiday Club Withdraw al...............- Shared Branching.........................- Cashiers Check Stop Payment.......

- Money Order Stop Payment..........- Foreign Checks - Canada..............- Foreign Checks - Others...............- Foreign Currency - Orders.............

- Foreign Currency - Deposits..........- Foreign Wire Transfer (Outgoing)...- Online Banking External Transfer....

- Debit/Credit Cash Advance Feeby Telephone...............................

- Coin Handling..............................

- Copy of Bill Payment CancelledCheck.........................................

- * Escheatment Fee(abandoned account or safedeposit box processing)................

- Exchange Check Fee(Replace member check forCashier' s Check)..........................

- IRA Withdraw al Term.....................