Disclosure

FCFCU – Reward Checking Disclosure

Annual Percentage Yield (APY) accurate as of 01/01/12. Minimum to open account is $100. Rate tiers are as follows:

1.25% APY applies to balances of $0.01 ‐ $25,000 and

0.35% APY applies to balances over $25,000 if qualifications are met each qualification cycle.

0.01% APY applies to all balances if qualifications are not met.

Rates are subject to change monthly after the account is opened. Fees may reduce earnings. Qualifying transactions must be posted and cleared during the qualification cycle. Some merchant transactions may take one or more business days to post and clear after the transaction date. Intrabank transfers do not count as qualifying ACH transactions. ATM fee refunds are limited to no more than $15 per month and are provided only if qualifications are met within qualification cycle.

Surcharges over $4.99 are not automatically refunded, but may be manually refunded by a credit union representative with the presentation of a receipt within the ten business days following the month that the Reward Checking eligibility requirements were met.