IMPORTANT CHANGES TO YOUR ACCOUNT TERMS

NOTICE OF CHANGES IN TEMPORARY FOR TRANSACTION ACCOUNTS All funds in a "non-interest bearing transaction account"* are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

*The term "non-interest bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend.