Concern for member confidentiality and privacy has been a hallmark of Security Service Federal Credit Union operations for decades. At Security Service Federal Credit Union, our employees treat the information we have concerning your accounts in the same responsible, confidential way that we want our own financial affairs treated. We think it's important for you, our member, to be informed of the policies we have in place to safeguard your privacy.

We do all that we can to make sure that any information we have about our members is accurate, and is reviewed only by those employees to either provide services to you, or need to know the information in order to carry out credit union business.

Other than the limited exceptions explained in this policy, it is our practice not to share confidential member information with anyone outside of Security Service Federal Credit Union and our family of companies. You do not need to request this confidentiality - it is our standard practice.

We educate our employees about their responsibility to protect your privacy. We also maintain physical, electronic, and procedural safeguards to ensure your information remains protected.

Here are answers to some of the questions you may have about our policy:

Q. Is my privacy protected if I visit Security Service Federal Credit Union's Website (www.ssfcu.org) on the internet?

A. Yes. As a visitor to our website, you need not be concerned about the privacy of your personal information. For your protection, the credit union uses a process called "encryption" to secure your online banking sessions. Encryption turns all internet communications between you and the credit union - from your passwords to your money transfer requests - into a string of unrecognizable numbers. Only the credit union and our authorized business partners can decode this information. This process safeguards your online banking sessions from intruders. In addition, when simply browsing the Security Service Federal Credit Union's website, our web server recognizes only:

Your Internet Service Provider (for example, America Online or Earthlink), but not your specific e-mail address. For instance, if your e-mail address is "johndoe@earthlink.net," only the earthlink.net part of the address is recognized by our system.

Aggregate information about the pages that our consumers visit. However, no information on pages visited by any individual consumer is retained. The aggregate information we collect (for instance, how many "hits" we receive on a particular web page) is included for internal review so that we may improve the content of our web page. This information is later discarded.

Q. Does Security Service Federal Credit Union collect online information about me?

A. Yes, but only if you voluntarily provide us with your information. We obtain information such as your e-mail address, mailing address and telephone number only if you provide the information to us. Like all other information you provide to the credit union, our policy on sharing this information with third parties applies to online transactions. Here's what we do with information volunteered by you as a member and visitor to www.ssfcu.org:

• a. E-Mail / Mailing Address / Telephone Number - If you supply us with your e-mail, mailing address, or telephone number online, we may from time to time provide you with information about our products and services.
• b. Cookies - To enable features for our web sites, SSFCU may assign one or more "cookies" to your Internet browser. The cookies we use are intended to enable us to provide you with customized content and to prevent non-authorized users from accessing your information. A "cookie" is stored on your local hard drive through the browser and contains a unique sequence of text for identification purpose. Our cookies, by themselves, cannot be used to trace the identity of a user. SSFCU does not use cookies to collect any personal information.

Q. Does Security Service Federal Credit Union allow me to submit loan applications online?

A. Yes. Our online applications assist us in quickly processing your loan request. The disclosure of information is entirely voluntary on your part and, if you choose to give it, the personally identifying data will be used both to make our loan decision as well as provide you with additional information about our credit union and the products and services we offer. However, if you choose not to give us the complete information we request in our application, we may not be able to process your loan request.

Q. What information does Security Service Federal Credit Union collect about me?

A. The information we collect about our members is used only for legitimate business purposes. This information may include data about your identity (such as your name, address, social security or driver's license number), your transactions with Security Service Federal Credit Union and its CUSO (such as your account number, loan or account balance), and your credit report or similar information (such as information about your credit standing or other characteristics) obtained from credit bureaus and other sources outside of Security Service Federal Credit Union.

Q. To what extent does Security Service Federal Credit Union share this information with others?

A. Security Service Federal Credit Union does not disclose any nonpublic personal information about our members or former members to anyone, except as permitted by law. Like virtually all other financial institutions, we lawfully share information when it is necessary to provide you services such as data processing, check printing, insurance products as well as to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. These vendors are required to treat such member information as confidential and use the information only for the specific credit union purpose stated. In fact, our vendors are specifically prohibited from reusing, disclosing or selling your information.

Q. What is the Security Service Federal Credit Union CUSO?

A. Security Service Federal Credit Union CUSO is a sister company of Security Service Federal Credit Union, owned exclusively by us, for the purpose of providing services to our members. In other words, our CUSO is an affiliated company of the credit union that expands the types of services that we can offer to you. The law permits us to share information between the credit union and our CUSO. However, you may direct us not to share certain types of information within our family of companies such as information obtained from a consumer report, credit score or your credit history, information provided by you on a credit application, as well as similar information obtained from others. If you wish to be excluded from sharing this information between the Security Service Federal Credit Union family, please write to Security Service Federal Credit Union, P.O. Box 691510, San Antonio, Texas 78269 or you may call 1-800-52-SSFCU (800-527-7328).

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law. In accordance with the USA Patriot Act, if we are unable to verify the information provided to us at the time of account opening, your account will be closed within 30 days.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

AGREEMENT - This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully. If you sign the signature card or open or continue to have your account with us, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws and the laws of the state of Texas (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:

1. summarize some laws that apply to common transactions;
2. establish rules to cover transactions or events which the law does not regulate;
3. establish rules for certain transactions or events which the law regulates but permits variation by agreement;
4. give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.

As used in this document the words "we," "our," and "us" mean the financial institution and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular. "Party" means a person who, by the terms of an account, has a present right, subject to request, to payment from the account other than as a beneficiary or agent.

BYLAWS - Our bylaws, which we may amend from time to time, establish basic rules about our credit union policies and operations which affect your account and membership. You may obtain a copy of the bylaws on request. Our right to require you to give us notice of your intention to withdraw funds from your account is described in the bylaws. Unless we have agreed otherwise, you are not entitled to receive any original item after it is paid, although you may request that we send you an item(s) or a copy of an item(s). Dividends are based on current earnings and available earnings of the credit union, after providing for required reserves.

All claims or controversies arising between you and the Bank shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION.

ARBITRATION PROVISIONS:

1. Any claim or controversy ("Dispute") between or among the parties and their assigns, including but not limited to Disputes arising out of or relating to this agreement, this arbitration provision ("arbitration clause"), or any related agreements or instruments ("Related Documents"), and including but not limited to a Dispute based on or arising from an alleged tort, will at the request of any party be resolved by binding arbitration in accordance with the applicable arbitration rules of the American Arbitration Association ("the Administrator"). The provisions of this arbitration clause will survive any termination, amendment, or expiration of this agreement or Related Documents. The provisions of this arbitration clause takes the place of any prior arbitration agreement between or among the parties. If any provision of this arbitration clause should be determined to be unenforceable, all other provisions of this arbitration clause shall remain in full force and effect.
2. The arbitration proceedings will be conducted in San Antonio, Texas; or Colorado Springs, Colorado for Colorado residents, at a place to be determined by the Administrator. The administrator and the arbitrator(s) will have the authority to the extent practicable to take any action to require the arbitration proceeding to be completed and the arbitrator(s)' award issued within one-hundred-fifty (150) days of the filing of the Dispute with the Administrator. The arbitrator(s) will have the authority to impose sanctions on any party that fails to comply with time periods imposed by the Administrator or the arbitrator(s), including the sanction of summarily dismissing any Dispute or defense with prejudice. The arbitrator(s) will have the authority to resolve any Dispute regarding the terms of this agreement, this arbitration clause or Related Documents, including any claim or controversy regarding the arbitrability of any Dispute. All limitation periods applicable to any Dispute or defense, whether by statute or agreement, will apply to any arbitration proceeding and the arbitrator(s) will have the authority to decide if any Dispute or defense is barred by a limitations period. The doctrines of compulsory counterclaim, res judicata, and collateral estoppel will apply to any arbitration proceeding hereunder so that a party must state as a counterclaim in the arbitration proceeding any claim or controversy which arises out of the transaction or occurrence that is the subject matter of the Dispute. The arbitrator(s) may in the arbitrator(s)' discretion and at the request of any party: (1) consolidate in a single arbitration proceeding any other claim or controversy involving another party that is substantially related to the Dispute where that other party is bound by an arbitration clause with the Credit Union, such as borrowers, guarantors, sureties, and owners of collateral; (2) consolidate in a single arbitration proceeding any other claim or controversy that is substantially similar to the Dispute; and (3) administer multiple arbitration claims or controversies as class actions in accordance with the provisions of Rule 23 of the Federal Rules of Civil Procedure.
3. The arbitrator(s) will be selected in accordance with the rules of the Administrator from panels maintained by the Administrator. A single arbitrator will have expertise in the subject matter of the Dispute. Where three arbitrators conduct an arbitration proceeding, the Dispute will be decided by a majority vote of the three arbitrators, at least one of whom must have expertise in the subject matter of the Dispute and at least one of whom must be a practicing attorney. The arbitrator(s) will award to the prevailing party recovery of all costs and fees (including attorneys' fees and costs, arbitration administration fees and costs, and arbitrator(s)' fees). The arbitrator(s), either during the arbitration proceeding or as part of the arbitration award, also may grant temporary or additional remedies including but not limited to an award of injunctive relief, foreclosure, sequestration, attachment, replevin, garnishment, or the appointment of a receiver.
4. No provision of this arbitration clause, nor the exercise of any rights hereunder, will limit the right of any party to: (1) judicially or non-judicially foreclose against any real or personal property collateral or their security; (2) exercise self-help remedies, including but not limited to repossession and setoff rights; or (3) obtain from a court having jurisdiction over any provisional or ancillary remedies including but not limited to injunctive relief, foreclosure, sequestration, attachment, replevin, garnishment, or the appointment of a receiver. Such rights can be exercised at any time, before or during initiation of an arbitration proceeding, except to the extent such action is contrary to the arbitration award. The exercise of such rights will not constitute a waiver of the right to submit any Dispute to arbitration, and any claim or controversy related to the exercise of such rights will be a Dispute to be resolved under the provisions of this arbitration clause. Any party may initiate arbitration with the Administrator, however, if any party initiates litigation and another party disputes any allegation in that litigation, the disputing party--upon the request of the initiating party--must file a demand for arbitration with the Administrator and pay the Administrator's filing fee. The parties may serve by mail a notice of an initial motion for an order of arbitration.
5. Notwithstanding the applicability of any other law to this agreement, the arbitration clause, or Related Documents between or among the parties, the Federal Arbitration Act, 9 U.S. C. § 1 et seq., will apply to the construction and interpretation of this arbitration clause.

LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us"). Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next following business day that we are open.

WITHDRAWALS - Any of you, acting alone, who signs in the space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time. Each of you authorizes each other person signing the signature card to endorse any item payable to you or your order for deposit to this account or any other transaction with us. If an item (check) is presented for payment prior to the issue date on the check, we may charge your account for the check unless we have received written notice of the post dated item within a time period that gives a reasonable time to act and you have received written confirmation from us that we will not honor the item (check) prior to the issue date. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. On all multiple party accounts, all rights and responsibilities contained in this agreement apply to each owner and can be enforced or agreed upon by the credit union between either owner individually or all owners collectively. For example, the credit union may close an account, enter into special agreements, stop payments on any check and exercise its right of set off based upon any single owners request or action.

SINGLE-PARTY ACCOUNT WITHOUT "P.O.D." (PAYABLE ON DEATH) DESIGNATION - The party to the account owns the account. On the death of the party, ownership of the account passes as a part of the party's estate under the party's will or by intestacy.

SINGLE-PARTY ACCOUNT WITH "P.O.D." (PAYABLE ON DEATH) DESIGNATION - The party to the account owns the account. On the death of the party, ownership of the account passes to the P.O.D. beneficiaries of the account. The account is not a part of the party's estate.

MULTIPLE-PARTY ACCOUNT WITHOUT RIGHT OF SURVIVORSHIP - The parties to the account own the account in proportion to the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of a party, the party's ownership of the account passes as a part of the party's estate under the party's will or by intestacy.

MULTIPLE-PARTY ACCOUNT WITH RIGHT OF SURVIVORSHIP - The parties to the account own the account in proportion to the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of a party, the party's ownership of the account passes to the surviving parties.

MULTIPLE-PARTY ACCOUNT WITH RIGHT OF SURVIVORSHIP AND "P.O.D." (PAYABLE ON DEATH) DESIGNATION - The parties to the account own the account in proportion to the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of the last surviving party, the ownership of the account passes to the P.O.D. beneficiaries.

CONVENIENCE ACCOUNT - The parties to the account own the account. One or more convenience signers to the account may make account transactions for a party. A convenience signer does not own the account. On the death of the last surviving party, ownership of the account passes as a part of the last surviving party's estate under the last surviving party's will or by intestacy. The financial institution may pay funds in the account to a convenience signer before the financial institution receives notice of the death of the last surviving party. The payment to a convenience signer does not affect the parties' ownership of the account.

TRUST ACCOUNT - The parties named as trustees to the account own the account in proportion to the parties' net contributions to the account. A trustee may withdraw funds from the account. A beneficiary may not withdraw funds from the account before all trustees are deceased. On the death of the last surviving trustee, the ownership of the account passes to the beneficiary. The trust account is not a part of a trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.

BUSINESS ACCOUNTS - Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity.

STOP PAYMENTS - You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee.

You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of a stop payment request may be made only by an owner of the account on which the stop payment was initiated. We may ask to have a written request to release a Stop Payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

TELEPHONE TRANSFERS - If a prearranged agreement or an authorized code word exists on the account, a telephone transfer of funds from this account to another account on which the ownership differs, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere.

AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided for each product type in the Truth-In-Savings Disclosure portion of this brochure. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you.

STATEMENTS - Statements will be mailed by us to the last address that you have given in writing. You should carefully examine the statement when you receive it. If you feel that there is an error on the statement, or that someone has made an unauthorized debit to your account, you must notify us, in writing at Security Service Federal Credit Union, P.O. Box 691510, San Antonio, Texas 78269-1510, promptly after any error is discovered. You can telephone us, but doing so will not preserve your rights. Because you are in the best position to detect and report unauthorized debits, you agree that the credit union will not be liable for payment of such debits if (a) you do not report the error within 30 days of the mailing date of the earliest statement containing the first unauthorized debit, (b) the unauthorized debits were drawn in such a way (as by a signature stamp or otherwise) that the lack of authority could not be detected by the credit union, or (c) you fail to exercise reasonable care in protecting your account against fraud (such as a failure to immediately report lost or stolen checks or identification).

NO SIGHT-REVIEW OF DRAWER SIGNATURES - You agree that the Credit Union does not fail to exercise ordinary care in paying an item solely because its procedures do not provide for sight-review, or provide for sight-review only for items above a threshold level, or on a sample basis, at the discretion of the Credit Union. The Credit Union reserves the right not to sight-review drawer signatures because it pays items on an automated basis to reduce costs for all members.

ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.

DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

RIGHT TO REPAYMENT OF INDEBTEDNESS - You each agree that we may (without prior notice and when permitted by law) charge against and deduct from this account any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw. If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we charge the account, including any balance the due date for which we properly accelerate under the note.

In addition to these contract rights, we may also have rights under a "statutory lien." A "lien" on property is a creditor's right to obtain ownership of the property in the event a debtor defaults on a debt. A "statutory lien" is one created by federal or state statute. If federal or state law provides us with a statutory lien, then we are authorized to apply, without prior notice, your shares and dividends to any debt you owe us, in accord with the statutory lien.

Neither our contract rights nor rights under a statutory lien apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), (c) the debtor's right of withdrawal arises only in a representative capacity, or (d) the debt is created by a home equity loan (for Texas residents only). We will not be liable for the dishonor of any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your account. You agree to hold us harmless from any claim arising as a result of our exercise of our right to repayment.

CHARGE-BACK - If any check or other item deposited into or cashed against your account is returned to us by the institution on which it was drawn, we may accept the return and charge the item back against your account without regard to whether the drawee bank returned the item before its midnight deadline. If a late return is based on a forged indorsement or alteration, we may place a hold on your account until we make a final determination as to the validity of that claim.

CONFLICTING DEMANDS/DISPUTES - If conflicting demands over the ownership or control of an account or funds deposited within an account arise, including, but not necessarily limited to, demands, claims, actions, or law suits initiated by either 3rd parties or other account holders surrounding your account, or we are unable to determine any person's continuing authority to give instructions, we may, at our sole discretion: (1) freeze the account and withhold payment from all of you until we receive written proof (in form and substance satisfactory to us) of your right and authority over the account and its funds; (2) require the signatures of all of you for the withdrawal of funds, the closing of an account, or any change in the account regardless of the number of authorized signers on the account; (3) request instructions from a court of competent jurisdiction at your expense regarding the ownership or control of the account; and/or (4) continue to honor checks and other instructions given to us by the individuals who appear as authorized signers according to our records. In no event will we be liable for any delay or refusal to follow instructions that occurs as a result of a dispute or uncertainty over the ownership or control of your account. We may return checks and other items, marked "Refer to Maker" (or similar language), in the event there is a dispute or uncertainty over an account's ownership or control.

PAYMENT ORDER OF ITEMS - The law permits us to pay items, such as ATM/Debits, Teller Withdrawals, CompuBranch Transactions, Automated Clearing House (ACH) Transactions, or Checks (each an "Item Type"), drawn on your account in any order and SSFCU reserves the right to change the methods used to prioritize the payment order of items without providing you with advance notice of such a change. However, to assist you in handling your account with us, we are providing you with the following information regarding how we process the items. When processing items drawn on your account, our policy is to pay them first according to their Item Type. Then, within each Item Type, the largest items are paid first. Item Types are paid in the following order: (a) ATM/POS/Debits, (b) Over-the-Counter Checks, (c) Teller Withdrawals, (d) Closing Withdrawals, (e) CompuBranch / CallPlus Transactions, (f) Automated Clearing House (ACH) Transactions, and (g) Checks. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your largest, and perhaps, more important, items to be paid first (such as your rent or mortgage payment), but may also increase the overdraft or NSF fees you have to pay if funds are not available to pay all of the items. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

PREAUTHORIZED DRAFTS - If you voluntarily give information about your account (such as our routing number and your account number) to a party who is seeking to sell you property or services, and you do not physically deliver a check to the party, any debit to your account initiated by the party to whom you gave the information is deemed authorized.

PLEDGES - Each owner of this account may pledge funds in the account for any purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any other account owner or beneficiary become effective.

ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.

Federal law requires us to provide the following notice to members before any "negative information" may be furnished to a nationwide consumer reporting agency. "Negative information" includes information concerning delinquencies, overdrafts or any form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about members that have not done what they are required to do under our agreement.

After providing this notice, additional negative information may be submitted without providing another notice.

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

• Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
• Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.
• Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

Call Plus Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (210) 357-9000 or 1-800-527-7328 using your account numbers and your access code, to:

• transfer funds from checking to checking, savings, or MoneyFundPlus
• transfer funds from savings to checking, savings, or MoneyFundPlus
• transfer funds from line of credit to checking or savings
• transfer funds from checking or savings to line of credit
• make payments from checking or savings to loan accounts with us
• get information about:
• the account balance of checking or savings accounts
• the last five deposits to checking or savings accounts
• the last five withdrawals from checking or savings accounts
• the account balance and other information on loans and MoneyFundPlus accounts
• the last ten checks from checking accounts cleared within the last 30 days and other information
• a specific check number cleared within the last 30 days

ATM Transfers - PULSE and all major ATM Networks- types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card or debit card and personal identification number, to:

• make deposits to checking or savings account(s) at most ATMs we own or operate.
• get cash withdrawals from checking or savings account(s)
• you may withdraw no more than $500.00 per 24 hours
• There is a charge of $1.00 per withdrawal at ATMs we do not own or operate. In addition, the owner of the ATM may add a fee to the amount of your transaction. If so, that fact should be disclosed on the ATM.
• transfer funds between checking and savings account(s)
• there is a charge of $1.00 per transfer at ATMs we do not own or operate
• transfer funds from line of credit to checking or savings account(s) only at ATMs we own or operate
• transfer funds from checking or savings accounts to line of credit only at ATMs we own or operate
• get information about:
• the account balance of your checking or savings accounts
• the last ten transactions and last ten checks cleared to your checking accounts
• the last ten transactions to your savings accounts
• there is a charge of $1.00 per inquiry at ATMs we do not own or operate

Some of these services may not be available at all terminals.

Types of Point-of-Sale/ATM Card Transactions - You may access your checking account(s) to purchase goods (in person) and pay for services (in person).

ATM Card Transactions - dollar limitations and charges - Using your ATM card for point-of-sale:

• you may not exceed $3,000.00 in transactions per 24 hours
• There is a charge of $.25 per withdrawal at point-of-sale machines we do not own or operate. In addition, the owner of the POS device may add a fee to the purchase amount and should indicate so with appropriate signage.

Types of Point-of-Sale/Debit Card Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Debit Card Transactions - dollar limitations - Using your debit card:

• you may not exceed $3,000.00 in transactions per 24 hours

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

CompuBranch Computer Transfers - types of transfers and charges - You may access your account(s) by computer at our website address using your account numbers and your access code, to:

• transfer funds between accounts
• make bill payments from checking accounts through a bill payment service
• there is a monthly charge for this service (refer to disclosure at opening)
• get information about the account balance and last months' history of accounts
• order checks
• request a copy of a check or statement
• there is a charge of $2.00 per copy
• request a credit union check from your account to be mailed to a designated payee
• there is a $3.00 fee per check for this service
• place a stop payment request
• Security Service fees for stop payment requests apply for all stop payment requests initiated through CompuBranch
• download account information to Quicken or Microsoft Money

Cross Border Pricing refers to any transaction on a MasterCard debit card in which the cardholder country code differs from the country code of the merchant. Transactions that qualify as Cross Border transactions will be assessed a fee of 0.80%.

If a Cross Border transaction on a U.S. issued MasterCard debit card is submitted to MasterCard in a currency other than U.S. dollars, MasterCard will convert the transaction to U.S. dollars using its currency conversion procedure. A Currency Conversion Assessment of 0.20% will be charged on any transactions requiring currency conversion.

The currency conversion rate used to determine the transaction amount in U.S. dollars may be either a wholesale market rate or government-mandated rate in effect the day MasterCard processes the transaction, which may differ from the date the transaction occurred or when it is posted to the cardholder's account.

* We do not charge for direct deposits to any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (210) 357-9000 or 1-800-527-7328 to find out whether or not the deposit has been made.
• Periodic statements.
• You will get a monthly account statement from us for your checking accounts.
• You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
• Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
• We will charge you $20.00 for each stop-payment order you give.
• Notice of varying amounts. If these regular payments may vary in amount, the person or company you are going to pay should tell you, 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.)
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 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.

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 will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If the funds are subject to legal process or other encumbrance restricting such transfer.
3. If the transfer would go over the credit limit on your overdraft line.
4. If the automated teller machine where you are making the transfer does not have enough cash.
5. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
6. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
7. If any authorized signer on the account has made an oral or written request to stop any and/or all transactions.
8. If transactions are stopped for security reasons.
9. Conditions Under Which Your Card May Be Recalled or Its Use Limited. If we suspect the Credit Union may incur a loss if your accounts can be accessed with your card.
10. There may be other exceptions stated in our agreement with you.

We will disclose information to third parties about your account or the transfers you make:

1. where it is necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency or court orders; or
4. as explained in the Privacy Disclosure contained elsewhere in this document.

(a) Consumer liability.

• Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. 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 you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.
• If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
  Also, if your statement shows transfers 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 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 the time periods.
• Additional Limits on Liability for MasterCard®-branded debit card, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your MasterCard®-branded debit card, when used for point-of-sale transactions, if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check or draft without your permission.

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. 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 10 business days.

We will tell you the results of our investigation within 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 45 days (90 days if the transfer involved a point-of-sale or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is an error, so that you will have the use of the money during the time it takes us to complete our investigation. If your account has been opened 30 days or less, we will provisionally credit your account within 20 days after we hear from you and will correct any error promptly. If we need more time; however, we may take up to 90 days to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation with 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

SECURITY SERVICE FEDERAL CREDIT UNION
ELECTRONIC CARD SERVICES
P.O. BOX 691510
SAN ANTONIO, TEXAS 78269-1510
Business Days: Monday through Saturday
Excluding Federal Holidays
Phone: (210) 357-9000 1-800-527-7328
In Colorado Springs, Colorado call (719) 534-9100

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

This policy statement applies to all accounts.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

If you are a new member, the following special rules may apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks, unless we have reasonable grounds to suspect the negotiability of the item, will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

If you make a deposit at an ATM before 2:30 P.M. CST on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 2:30 P.M. CST or on a day we are not open, we will consider that the deposit was made on the next business day.

Rate Information:

The dividend rate and annual percentage yield may change every week. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period. For the example above, the dividend declaration date is January 31.

Minimum balance requirements:
The minimum balance required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information.

You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the full balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations:
No ATM transaction limitations apply to this account except for those listed below and in the Common Features section located at the back of this brochure.

You are permitted or authorized to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of yours at the credit union or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, and no more than three of the six such transfers may be made by check, draft, debit card, or similar order made by you and payable to third parties. A preauthorized transfer includes any arrangement by the credit union to pay a third party from your account upon written or oral instruction (including an order received through an automated clearing house (ACH)) or any arrangement by the credit union to pay a third party from the your account at a predetermined time or on a fixed schedule.

Withdrawal Limitations for Youth Savings:
An excess withdrawal fee of $2.00 will be charged for each over-the-counter withdrawal in excess of four during a month.

Par value of a share:
The par value of a share in this account is $5.00.

Fees and charges:
An excess withdrawal fee of $2.00 will be charged for each withdrawal or overdraft transfer in excess of four during a month. Closure of the account within 90 days of opening date may result in a $5.00 fee.

CLASSIC CHECKING ACCOUNT
(SHARE DRAFT)
Minimum balance requirements: There is no minimum balance required to open this account.

Transaction limitations:
No transaction limitations apply to this account except for those listed in the Common Features section located at the back of this brochure.

GOLD CHECKING ACCOUNT
(Youth or Merit Checking with DIVIDENDS)
Rate Information:
The dividend rate and annual percentage yield may change every week. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period. For the example above, the dividend declaration date is January 31.

Minimum balance requirements:
There is no minimum balance required to open this account.

You must maintain a minimum daily balance of $500.00 in your account to avoid a minimum balance fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a minimum balance fee of $6.00 once during that month.

You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations:
No transaction limitations apply to this account except for those listed in the Common Features section located at the back of this brochure.

REWARDS DEBIT CARD
A monthly program fee of $1.50 will be automatically charged to the cardholder’s primary checking account accessed by the Rewards Debit Card unless cardholder notifies Security Service of cancellation of that card.

Rate Information:

The dividend rate and annual percentage yield may change every week. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements:

The minimum balance required to open this account is $1,000.00.

You must maintain a minimum daily balance of $1,000.00 in your account to avoid a minimum balance fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a minimum balance fee of $10.00 once during the statement cycle.

You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, or telephonic order or instruction. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Fees and charges:

A Money Fund withdrawal fee of $10.00 will be charged for each withdrawal in excess of three during a month.

There is an excess check fee of $10.00 for each check paid in excess of three during the month.

The account may be assessed a $10.00 early closeout fee if the account has been opened less than 90 days.

Rate Information:

The dividend rate and annual percentage yield may change every week. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other

dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements:

The minimum balance required to open this account is $100.00 or a completed direct transfer of IRA assets request.

You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, or telephonic order or instruction, or similar order to a third party.

(3-, 6-, 12-, 24-, 36-, 60-, and 84-Month, other terms may be offered during promotions)

Rate Information - Refer to rate sheet for current rates and certificate amounts. You will be paid this rate until first maturity.

Compounding frequency - Unless otherwise paid, dividends will be compounded monthly.

Crediting frequency - Dividends will be credited monthly. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend period - For this account type, the dividend period is monthly.

Minimum balance requirements:

The minimum balance required to open a Share Certificate is $500.00. You must maintain a minimum daily balance of $500.00 in your Share Certificate account each day to obtain the disclosed annual percentage yield.

The minimum balance required to open an IRA Share Certificate is $100.00. You must maintain a minimum daily balance of $100.00 in your IRA Share Certificate account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations:

After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may not make withdrawals of principal from your account before maturity.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account.

Time requirements - Your account will mature as specified on your certificate or renewal notice.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

• If your account has an original maturity of one year or less:
  We may impose a penalty of all dividends earned not to exceed 90 days with a minimum of 30 days dividends, whether earned or not.
• If your account has an original maturity of more than one year, but less than five years:
  We may impose a penalty of all dividends earned not to exceed 180 days with a minimum of 60 days dividends, whether earned or not.
• If your account has an original maturity of five years or more:
  We may impose a penalty of all dividends earned not to exceed 360 days with a minimum of 90 days dividends, whether earned or not.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you notify us by telephone before maturity of your intention not to renew or we receive written notice from you before maturity of your intention not to renew. If you prevent renewal, dividends will not accrue after final maturity.

You will receive a notice at least 20 days prior to the maturity date. The dividend rate and annual percentage yield that will apply to your account if it is renewed have not been determined. At maturity, you may call the credit union at 1-800-527-7328 to find out the dividend rate and annual percentage yield that will apply to your account if it is renewed.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

(3-, 6-, 12-, 24-, 36-, 60-, and 80-Month)

Rate Information - Refer to rate sheet for current rates and certificate amounts. You will be paid this rate until first maturity.

Compounding frequency - Unless otherwise paid, dividends will be compounded every month.

Crediting frequency - Dividends will be credited to your account every month. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend period - For this account type, the dividend period is monthly.

Minimum balance requirements:

The minimum balance required to open this account is $500.00.

You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

The minimum amount you can deposit is $100.00 during the first six months of the term and additional deposits to the Saver's Share Certificate are limited to the first six months of the term unless otherwise noted on the certificate.

There are no limitations on the frequency or timing of additions during the first six months of the term, except that no additions can be made in the last seven days before maturity.

You may not make withdrawals of principal from your account before maturity.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account.

Time requirements - Your account will mature as specified on your certificate or renewal notice.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

• If your account has an original maturity of one year or less:
  We may impose a penalty of all dividends earned not to exceed 90 days with a minimum of 30 days dividends, whether earned or not.
• If your account has an original maturity of more than one year, but less than five years:
  We may impose a penalty of all dividends earned not to exceed 180 days with a minimum of 60 days dividends, whether earned or not.
• If your account has an original maturity of five years or more:
  We may impose a penalty of all dividends earned not to exceed 360 days with a minimum of 90 days dividends, whether earned or not.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you or you notify us by telephone before maturity of your intention not to renew. If you prevent renewal, dividends will not accrue after final maturity.

You will receive a notice at least 20 days prior to the maturity date. The dividend rate and annual percentage yield that will apply to your account if it is renewed have not been determined. At maturity, you may call the credit union at 1-800-527-7328 to find out the dividend rate and annual percentage yield that will apply to your account if it is renewed.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. Non-standard term CDs, i.e. 9 month, 15 month, 18 month, etc., will renew at the terms and conditions outlined at the time you originate the certificate.

You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Rate Information - Refer to rate sheet for current rates and certificate amounts. You will be paid this rate until first maturity.

Compounding frequency - Unless otherwise paid, dividends will be compounded monthly.

Crediting frequency - Dividends will be credited monthly. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend period - For this account type, the dividend period is monthly.

Minimum balance requirements:

The minimum balance required to open this account is $250.00.

You must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.

Transaction limitations:

You may make unlimited additions into your account.

There are no limitations on the frequency or timing of additions, except that no additions can be made in the last seven days before maturity.

You may make withdrawals of up to 50% of the certificate's balance.

You can withdraw dividends anytime during the term of crediting after they are credited to your account.

Time requirements - Your account will mature as specified on your certificate or renewal notice.

Early withdrawal penalties (a penalty may be imposed for withdrawals exceeding 50% of the certificate's balance before maturity) -

• We may impose a penalty of all dividends earned not to exceed 90 days with a minimum of 30 days dividends, whether earned or not.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you notify us by telephone before maturity of your intention not to renew or we receive written notice from you before maturity of your intention not to renew. If you prevent renewal, dividends will not accrue after final maturity.

You will receive a notice at least 20 days prior to the maturity date. The dividend rate and annual percentage yield that will apply to your account if it is renewed have not been determined. At maturity, you may call the credit union at 1-800-527-7328 to find out the dividend rate and annual percentage yield that will apply to your account if it is renewed.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Bylaw requirements:

You must deposit one share (valued at $5.00) in your Share Savings Account as a condition of admission to membership. You must maintain one share in the Share Savings Account throughout the life of your membership.

Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

The maximum automated teller machine withdrawal we allow is $500.00 per 24 hours.

The above withdrawal limitation applies to your account in combination with SavingsPlus and other checking accounts.

The maximum point of sale withdrawal we allow is $3,000.00 per 24 hours in combination with other checking accounts.

The maximum debit card withdrawal we allow is $3,000.00 per 24 hours in combination with other checking accounts.

Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).)

National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, in-person withdrawal, ATM withdrawal, or other electronic means.

Please refer to our separate fee schedule for additional charges that may be assessed against your account.

Member Contact Center
1-866-361-1902

CallPlus Service
(210) 357-9000
In Colorado, call (719) 534-9100
1-800-52-SSFCU

Corporate Headquarters
(210) 476-4000

International Toll-Free Numbers
From Canada: 800-527-7328
From Germany: 0800-810-1000
From United Kingdom: 0-800-89-1650
From Japan: 00531-11-3116
From Korea: 00798-11-899-0829

Website address: ~
E-Mail address: ssfcu@ssfcu.org

Rev. 10/06
610300-020
© 2000 Wolters Kluwer Financial Services - Bankers Systems™
Form AIB-TIS-CU-P 9/04/2001 9a Custom TCM-53CUm,2as,3l,4p,6