Disclosure Statements:

• OASIS/Home Banking and Bill Pay Services Disclosure, Terms and Conditions
• Electronic Funds Transfer Agreement and Disclosure with Application
• Share Certificate Truth in Savings Disclosure
• Share Accounts Truth in Savings Disclosure
• Linked Website Disclosure

RATE AND FEE INFORMATION

The following factors may affect the amount of dividends and the annual percentage yield you receive on your credit union account.

NATURE OF DIVIDENDS

All accounts with the exception of our basic share draft accounts and term accounts (share certificates), are considered variable rate accounts. The dividend rate and annual percentage yield applicable to an account may therefore change as often as each dividend period listed for the various credit union accounts as determined by the Board of Directors of Cornerstone Community FCU.

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

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

DIVIDEND RATE AND ANNUAL PERCENTAGE YIELD

As used in this disclosure, "dividend rate" means the dividends paid (or expected to be paid) on an account, without giving effect to the compounding of previously earned dividends, shown as an annual figure and expressed as a percentage of the account balance; and "annual percentage yield" or "APY" means a percentage rate reflecting the total amount of dividends expected to be earned in a year on an account, based on the dividend rate and the frequency of compounding accrued dividends.

All disclosures concerning the APY applicable to an account (other than term accounts) assume that the dividend rate disclosed remains in effect for one year and that dividends are not withdrawn.

COMPOUNDING AND CREDITING

Dividends for all accounts, except term accounts, are compounded and credited for the dividend period as follows:

	Div. Period	Compounded	Credited
Regular Shares	Quarterly	Quarterly	Quarterly
Money Market Account	Monthly	Monthly	Monthly
Christmas Club	Quarterly	Quarterly	Quarterly
IRA Share Accounts	Quarterly	Quarterly	Quarterly
Other Suffix Accounts	Quarterly	Quarterly	Quarterly
Member Plus Checking	Quarterly	Quarterly	Quarterly

The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

MINIMUM BALANCE REQUIREMENTS

In order to join the credit union and use the many services available, you must deposit at least $5.00, the par value of a share, into the regular share account. This $5.00 must remain in the account at all times.

Dividends for variable rate accounts are calculated using the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the beginning daily balance in the account for each day of the period and dividing that figure by the number of days in the period.

The minimum balances required to open an account and receive dividends are as follows:

	Minimum Balance to Open Account	Minimum Average Daily Balance to Earn APY
Regular Share	$5.00	$50.00
Money Market Account	$2,500.00	$2,500.00
Christmas Club		$50.00
IRA Share Account		$50.00
Other Suffix Accounts		$50.00
Member Plus Checking		$1,000.00

In order to earn the annual percentage yield disclosed on the rate table for a particular account, you must maintain an average daily balance as stated above during the entire dividend period. If your average daily balance falls below the stated amount above, you will not earn any dividends during that dividend period.

ACCRUAL OF DIVIDENDS

Dividends will begin to accrue on both cash and noncash (checks) deposits the morning following the business day the funds were deposited to your account. The average daily balance method uses the beginning balance of each day for its dividend calculation.

CLOSING AN ACCOUNT

For any account, except term accounts, if you close your account before accrued dividends are credited, you will not be paid any dividends for the dividend period.

If you prematurely close your Individual Retirement Account (IRA), you will be charged a $20.00 closing fee.

TRANSACTION LIMITATIONS

The credit union limits cash withdrawals to $3,000 per member per day. Exceptions may be made pending availability of cash on hand and management's approval.

If a member withdraws funds from their Christmas Club prior to the yearly payout, there is a $5.00 fee per withdrawal.

Should the credit union Board of Directors and management feel it is necessary, and as stated in the credit union bylaws, the credit union reserves the right to require a member intending to make a withdrawal from any account (except a share draft account) to give written notice of such intent not less than seven days and up to 60 days before the withdrawal.

There is no limit to the number of transactions that a member may do each month to their account(s) at this time. However, if withdrawing funds from either an automated teller machine (ATM), a point of banking terminal (POB) or a point of sale terminal (POS) the following applies:

You may make a total of 6 ATM or POB withdrawals per your entire credit union account. After six, there is a $1.00 per transaction fee. For specifics, see fee schedule.

FEE SCHEDULE

This Fee Schedule for all accounts sets forth certain fees and charges applicable to all credit union variable rate share accounts as of March 1, 2005. Fees are subject to change. You will receive prior notification if a fee is to be changed via your credit union statement.

Savings Account Fees
Change of Address at Credit Union	No Charge
Change of Address via Post Office Notification	$2.00
Address Unavailable/No Forwarding-Post Office	$5.00 One Time Fee
System Statement copy fee	$.50 per page
Microfiche Statement copy fee	$1.00 per page
Premature closing fee - IRA	$20.00
Outgoing wire transfer fee - National	$10.00
Outgoing wire transfer fee - International	$25.00
Restraining notice fee	$25.00
Account reconciliation fee	$25.00 per hour
Account research fee	$25.00 per hour
Corporate Check copy fee	$2.00 per copy/$3.00 if faxed
Corporate Stop Payment fee	$10.00 per draft
Inactive/Dormant account fee	$2.00 per month starting after 24 months of no activity initiated by the member